BlastPoint's Banking Scorecard
Park State Bank & Trust
Micro
Specialty: Commercial
CO
FDIC cert 19381
Designations: ✓ Community bank
Woodland Park, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
Park State Bank & Trust shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$161.5M
+14.3% YoY
+1.7% QoQ
|
-$56.0M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$106.1M
+4.0% YoY
+5.4% QoQ
|
-$33.0M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$144.7M
+14.1% YoY
+1.6% QoQ
|
-$38.9M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
1.34%
+35.8% YoY
-11.6% QoQ
|
+0.25% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
4.85%
+3.0% YoY
-1.3% QoQ
|
+1.00% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
73.55%
-10.0% YoY
+3.0% QoQ
|
+5.83% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
0.05%
+476.8% YoY
-85.4% QoQ
|
-0.59% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
73.34%
-8.9% YoY
+3.8% QoQ
|
-1.19% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
14.80%
-16.6% YoY
-8.4% QoQ
|
-7.59% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.71%
-8.3% YoY
-22.0% QoQ
|
+0.26% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
19.19%
+3.6% YoY
+0.7% QoQ
|
+10.34% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.85%
-6.4% YoY
+31.7% QoQ
|
+0.29% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Non-Interest Income / Assets
Current: 0.85% · Tier avg: 0.56%
88
88th pctile
Net Interest Margin
Current: 4.85% · Tier avg: 3.85%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.19% · Tier avg: 8.85%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
67
67th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.08%
45
45th pctile
Total Loans
Current: $106.1M · Tier avg: $139.2M
44
44th pctile
Loan-to-Deposit Ratio
Current: 73.34% · Tier avg: 74.53%
44
44th pctile
Total Deposits
Current: $144.7M · Tier avg: $183.7M
41
41th pctile
Total Assets
Current: $161.5M · Tier avg: $217.5M
32
32th pctile
Efficiency Ratio
Current: 73.55% · Tier avg: 67.73%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.45%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.80% · Tier avg: 22.39%
Top Weaknesses
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.80% · Tier avg: 22.39%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.45%
32
32th pctile
Efficiency Ratio
Current: 73.55% · Tier avg: 67.73%
41
41th pctile
Total Assets
Current: $161.5M · Tier avg: $217.5M
44
44th pctile
Total Deposits
Current: $144.7M · Tier avg: $183.7M
44
44th pctile
Loan-to-Deposit Ratio
Current: 73.34% · Tier avg: 74.53%
45
45th pctile
Total Loans
Current: $106.1M · Tier avg: $139.2M
67
67th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.08%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
85
85th pctile
Tier 1 Capital Ratio
Current: 19.19% · Tier avg: 8.85%
88
88th pctile
Net Interest Margin
Current: 4.85% · Tier avg: 3.85%
89
89th pctile
Non-Interest Income / Assets
Current: 0.85% · Tier avg: 0.56%