BlastPoint's Banking Scorecard
The Park Bank
Community
Specialty: Commercial
WI
FDIC cert 19608
Madison, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
The Park Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 25% in Community
- - Liquidity Strain: Bottom 50% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+7.3% YoY
+3.3% QoQ
|
+$180.3M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$1.3B
+4.7% YoY
+1.4% QoQ
|
+$325.3M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$1.3B
+10.1% YoY
+7.3% QoQ
|
+$129.3M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
0.56%
+66.9% YoY
+9.5% QoQ
|
-0.60% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
2.74%
+19.0% YoY
+4.1% QoQ
|
-0.93% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
76.28%
-8.4% YoY
-1.2% QoQ
|
+13.65% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 15% in tier |
| Delinquency Rate ? |
0.24%
+519.7% YoY
+6.9% QoQ
|
-0.39% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
100.53%
-4.9% YoY
-5.4% QoQ
|
+17.47% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.11%
-5.9% YoY
-8.8% QoQ
|
+0.06% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.20%
+504.6% YoY
+5.0% QoQ
|
-0.30% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
11.69%
-2.0% YoY
-1.4% QoQ
|
+1.45% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.36%
-11.7% YoY
+32.3% QoQ
|
-0.38% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#161 of 642 · Bottom 25% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Liquidity Strain
risk
#255 of 513 · Bottom 50% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
100.53%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
88
88th pctile
Loan-to-Deposit Ratio
Current: 100.53% · Tier avg: 83.06%
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
67
67th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.63%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 21.11% · Tier avg: 21.05%
44
44th pctile
Tier 1 Capital Ratio
Current: 11.69% · Tier avg: 10.24%
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
15
15th pctile
Efficiency Ratio
Current: 76.28% · Tier avg: 62.63%
13
13th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.16%
10
10th pctile
Net Interest Margin
Current: 2.74% · Tier avg: 3.66%
Top Weaknesses
10
10th pctile
Net Interest Margin
Current: 2.74% · Tier avg: 3.66%
13
13th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.16%
15
15th pctile
Efficiency Ratio
Current: 76.28% · Tier avg: 62.63%
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
44
44th pctile
Tier 1 Capital Ratio
Current: 11.69% · Tier avg: 10.24%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 21.11% · Tier avg: 21.05%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
67
67th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.63%
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
88
88th pctile
Loan-to-Deposit Ratio
Current: 100.53% · Tier avg: 83.06%