BlastPoint's Banking Scorecard
Park State Bank
Community
Specialty: Commercial
MN
FDIC cert 8851
Duluth, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Park State Bank faces 1 concern 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 24% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+5.3% YoY
+4.9% QoQ
|
+$93.7M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$883.9M
+1.5% YoY
+3.6% QoQ
|
-$91.6M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$1.2B
-2.7% YoY
+4.5% QoQ
|
+$54.3M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
1.44%
+13.3% YoY
+7.4% QoQ
|
+0.27% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
3.30%
+5.1% YoY
+0.2% QoQ
|
-0.37% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
48.56%
-0.1% YoY
-1.1% QoQ
|
-14.07% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
0.70%
+151.0% YoY
+36.6% QoQ
|
+0.07% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
72.52%
+4.3% YoY
-0.8% QoQ
|
-10.55% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
16.59%
+22.5% YoY
+8.8% QoQ
|
-4.45% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.43%
+146.3% YoY
+37.2% QoQ
|
-0.07% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
14.73%
+2.1% YoY
-8.5% QoQ
|
+4.48% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.64%
+13.8% YoY
+58.7% QoQ
|
-0.10% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#154 of 642 · Bottom 24% 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
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
86
86th pctile
Efficiency Ratio
Current: 48.56% · Tier avg: 62.63%
77
77th pctile
Loan-to-Deposit Ratio
Current: 72.52% · Tier avg: 83.06%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.73% · Tier avg: 10.24%
70
70th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.16%
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
65
65th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.74%
63
63th pctile
Total Loans
Current: $883.9M · Tier avg: $975.5M
43
43th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
35
35th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.63%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.59% · Tier avg: 21.05%
30
30th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.66%
Top Weaknesses
30
30th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.66%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.59% · Tier avg: 21.05%
35
35th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.63%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
63
63th pctile
Total Loans
Current: $883.9M · Tier avg: $975.5M
65
65th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.74%
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
70
70th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.16%
74
74th pctile
Tier 1 Capital Ratio
Current: 14.73% · Tier avg: 10.24%
77
77th pctile
Loan-to-Deposit Ratio
Current: 72.52% · Tier avg: 83.06%
86
86th pctile
Efficiency Ratio
Current: 48.56% · Tier avg: 62.63%