BlastPoint's Banking Scorecard
Park Bank, National Association
Designations: ✓ Community bank
Holmen, WI
3 branches across WI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 12 in WI.
- Deposits -0.5% year over year ($63.7M on the books).
- Delinquency rate 2.38%.
- Return on assets 0.11%.
- Efficiency ratio 99.70% vs a 119.40% peer average.
- Loan-to-deposit ratio 39.90% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Park Bank, National Association has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.82% below tier average
- + Efficiency Ratio 19.69% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.89% below tier average
- - Net Interest Margin 0.32% below tier average
- - Delinquency Rate 0.90% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$76.5M
-0.0% YoY
+1.4% QoQ
|
+$14.0M |
$62.4M
-0.0% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
65% |
| Total Loans ? |
$25.4M
+0.8% YoY
-1.6% QoQ
|
-$9.5M |
$34.9M
-0.6% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
36% |
| Total Deposits ? |
$63.7M
-0.5% YoY
+1.3% QoQ
|
+$12.1M |
$51.6M
-0.2% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
65% |
| Return on Assets ? |
0.11%
+21.2% QoQ
|
-0.89% |
1.00%
+3.5% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
Bottom 14.4% in tier |
| Net Interest Margin ? |
3.60%
+3.4% YoY
+0.1% QoQ
|
-0.32% |
3.91%
+2.3% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
34% |
| Efficiency Ratio ? |
99.70%
-4.5% YoY
+0.1% QoQ
|
-19.69% |
119.40%
+49.6% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Bottom 12.3% in tier |
| Delinquency Rate ? |
2.38%
-56.8% YoY
-48.3% QoQ
|
+0.90% |
1.48%
+31.8% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
39.90%
+1.4% YoY
-2.8% QoQ
|
-34.31% |
74.21%
+12.6% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
27.38%
+8.7% YoY
+1.9% QoQ
|
+3.89% |
23.49%
+0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.79%
-56.4% YoY
-49.8% QoQ
|
-0.05% |
0.84%
+23.0% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
29.61%
+1.9% YoY
+4.4% QoQ
|
+2.48% |
27.13%
+3.0% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.56%
-5.5% YoY
+111.2% QoQ
|
-0.82% |
1.38%
+6.3% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
Top 8.4% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
27.4%
+2.2pp YoY +0.5pp QoQ |
+2.7pp | 24.6% | 18.9% | 22.2% | 65% |
| Brokered Deposits | n/a | n/a | 9.8% | 9.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.7%
-1.5pp YoY -2.0pp QoQ |
-0.7pp | 13.4% | 10.5% | 12.5% | 60% |
| CRE | n/a | n/a | 25.2% | 46.4% | 41.4% | n/a |
| 1-4 Family |
60.1%
+1.0pp YoY +2.8pp QoQ |
+25.1pp | 35.0% | 32.3% | 31.3% | 81% |
| Consumer |
4.5%
-0.6pp YoY -0.2pp QoQ |
-3.1pp | 7.7% | 2.6% | 5.0% | 46% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
29.6%
+0.6pp YoY +1.2pp QoQ |
-9.1pp | 38.7% | 15.5% | 19.7% | 72% |
| Leverage Ratio |
14.3%
+0.1pp YoY +0.2pp QoQ |
-3.4pp | 17.7% | 12.6% | 12.6% | 65% |
| Total Capital Ratio |
30.9%
+0.6pp YoY +1.2pp QoQ |
-8.8pp | 39.7% | 16.6% | 20.8% | 73% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
13
0 YoY 0 QoQ |
+1 | 12 | 134 | 482 | 62% |
| Assets per Employee ($) |
$5.9M
0.0% YoY +1.4% QoQ |
-$306K | $6.2M | $8.2M | $8.8M | 48% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 9 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-1.0pp | 1.0% | 0.4% | 0.4% | 2% |
| Nonaccrual |
2.4%
-3.1pp YoY -2.2pp QoQ |
+0.6pp | 1.7% | 0.9% | 1.0% | 81% |
| Allowance Coverage |
2.81x
+169.3% YoY +101.1% QoQ |
-3.60x | 6.41x | 56.89x | 20.23x | 69% |
| Net Charge-off Rate (YTD) |
-0.4%
+0.8pp YoY -0.2pp QoQ |
-0.6pp | 0.2% | 0.0% | 0.2% | 2% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
0.8%
+0.7pp YoY +0.1pp QoQ |
-5.6pp | 6.4% | 11.8% | 11.6% | 15% |
| Cost of Funds (YTD) |
1.5%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.4% | 1.8% | 1.7% | 55% |
| Net Income ($, YTD) |
$41,000
+4000.0% YoY — QoQ |
-$277K | $317,817 | $7.9M | $40.4M | 16% |
Get Full Access to Park Bank, National Association
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.