BlastPoint's Banking Scorecard
Park Bank, National Association
Designations: ✓ Community bank
Holmen, WI
3 branches across WI
Park Bank, National Association has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.41% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.24% above tier average
- - ROA 0.77% below tier average
- - Net Interest Margin 0.28% below tier average
- - Efficiency Ratio 12.01% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$75.4M
+4.2% YoY
-5.4% QoQ
|
+$13.2M |
$62.3M
-0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.0% YoY
|
64% |
| Total Loans ? |
$25.8M
+1.6% YoY
+3.8% QoQ
|
-$8.5M |
$34.3M
-1.5% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.7% YoY
|
38% |
| Total Deposits ? |
$62.9M
+4.5% YoY
-6.5% QoQ
|
+$11.0M |
$51.8M
-0.6% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.0% YoY
|
63% |
| Return on Assets ? |
0.09%
+147.1% YoY
-45.2% QoQ
|
-0.77% |
0.86%
-3.6% YoY
|
1.50%
+15.4% YoY
|
1.24%
+13.1% YoY
|
16% |
| Net Interest Margin ? |
3.59%
+7.6% YoY
+2.1% QoQ
|
-0.28% |
3.87%
+2.7% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
36% |
| Efficiency Ratio ? |
99.64%
-9.2% YoY
+1.8% QoQ
|
+12.01% |
87.63%
+2.3% YoY
|
64.74%
-4.5% YoY
|
66.84%
-3.8% YoY
|
Bottom 13.4% in tier |
| Delinquency Rate ? |
4.60%
-15.8% YoY
-3.6% QoQ
|
+3.24% |
1.36%
+33.7% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 6.6% in tier |
| Loan-to-Deposit Ratio ? |
41.05%
-2.8% YoY
+11.0% QoQ
|
-23.06% |
64.11%
-0.9% YoY
|
86.53%
+1.6% YoY
|
76.69%
+0.9% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
26.86%
-1.8% YoY
-5.1% QoQ
|
+3.07% |
23.79%
+0.5% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.1% YoY
|
63% |
| Nonperforming Asset Ratio ? |
1.57%
-17.9% YoY
+5.8% QoQ
|
+0.80% |
0.77%
+28.7% YoY
|
0.63%
+35.0% YoY
|
0.66%
+19.3% YoY
|
Bottom 14.5% in tier |
| Tier 1 Capital Ratio ? |
28.36%
-5.0% YoY
-1.7% QoQ
|
+1.59% |
26.77%
+2.0% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.26%
-11.1% YoY
-75.8% QoQ
|
-0.41% |
0.67%
+1.6% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.0% YoY
|
Top 8.8% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.