BlastPoint's Banking Scorecard

Park Bank, National Association

under $100M Specialty: Other WI FDIC cert 13054

Designations: ✓ Community bank

Holmen, WI

3 branches across WI

541 banks in the under $100M peer group nationally 11 in WI

Park Bank, National Association has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest Income / Assets 0.40% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 3.23% above tier average
- ROA 0.75% below tier average
- Net Interest Margin 0.27% below tier average
- Efficiency Ratio 11.30% above tier average

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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	+$13.3M	$62.2M -0.6% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	64%
Total Loans ?	$25.8M +1.6% YoY +3.8% QoQ	-$8.4M	$34.2M -1.4% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	38%
Total Deposits ?	$62.9M +4.5% YoY -6.5% QoQ	+$11.1M	$51.7M -0.7% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	63%
Return on Assets ?	0.09% +147.1% YoY -45.2% QoQ	-0.75%	0.84% -2.3% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	17%
Net Interest Margin ?	3.59% +7.6% YoY +2.1% QoQ	-0.27%	3.86% +2.8% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	37%
Efficiency Ratio ?	99.64% -9.2% YoY +1.8% QoQ	+11.30%	88.34% +0.3% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Bottom 13.9% in tier
Delinquency Rate ?	4.60% -15.8% YoY -3.6% QoQ	+3.23%	1.37% +33.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	Bottom 6.9% in tier
Loan-to-Deposit Ratio ?	41.05% -2.8% YoY +11.0% QoQ	-23.16%	64.22% -0.7% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	80%
Non-Interest-Bearing Deposit Share ?	26.86% -1.8% YoY -5.1% QoQ	+3.15%	23.71% +0.3% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	63%
Nonperforming Asset Ratio ?	1.57% -17.9% YoY +5.8% QoQ	+0.79%	0.79% +28.2% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	Bottom 14.8% in tier
Tier 1 Capital Ratio ?	28.36% -5.0% YoY -1.7% QoQ	+1.68%	26.68% +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	-0.40%	0.67% +1.9% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	Top 8.7% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.26%

Peer Median: 0.67%

#48 of 541 Top 8.7% in under $100M

Tier 1 Capital Ratio

capital

Value: 28.36%

Peer Median: 26.68%

#92 of 541 Top 16.8% in under $100M

107

Loan-to-Deposit Ratio

liquidity

Value: 41.05%

Peer Median: 64.22%

#107 of 541 Top 19.6% in under $100M

Top Weaknesses (4 metrics)

486

Delinquency Rate

credit_quality

Value: 4.60%

Peer Median: 1.37%

#486 of 521 Bottom 6.9% in under $100M

467

Efficiency Ratio

profitability

Value: 99.64%

Peer Median: 88.34%

#467 of 541 Bottom 13.9% in under $100M

462

Nonperforming Asset Ratio

credit_quality

Value: 1.57%

Peer Median: 0.79%

#462 of 541 Bottom 14.8% in under $100M

452

Return on Assets

profitability

Value: 0.09%

Peer Median: 0.84%

#452 of 541 Bottom 16.6% in under $100M