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The Park Bank

$1B-$10B Specialty: Commercial WI FDIC cert 19608

Designations: ✓ Community bank

Madison, WI

10 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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
  • Deposits +5.0% year over year ($1.2B on the books).
  • Delinquency rate 0.24%.
  • Return on assets 0.71%.
  • Efficiency ratio 71.27% vs a 59.73% peer average.
  • Loan-to-deposit ratio 103.51% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in WI
View $1B-$10B leaderboard (WI) →

The Park Bank has 1 strength but faces 6 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

  • + Credit Quality Leader: Top 14.9% in tier

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 0.8% in tier
  • - Credit Quality Pressure: Bottom 8.3% in tier
  • - Liquidity Strain: Bottom 45.4% in tier
  • - ROA 0.68% below tier average
  • - Net Interest Margin 0.89% below tier average
  • - Efficiency Ratio 11.54% above tier average
Get updates when The Park Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $1.5B
+2.8% YoY +0.7% QoQ
-$1.3B $2.8B
-0.6% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
35%
Total Loans ? $1.3B
+1.6% YoY +2.0% QoQ
-$673.1M $2.0B
-0.3% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
47%
Total Deposits ? $1.2B
+5.0% YoY -0.1% QoQ
-$1.1B $2.3B
-0.5% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
34%
Return on Assets ? 0.71%
+48.9% YoY +31.7% QoQ
-0.68% 1.39%
+17.0% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
Bottom 13.6% in tier
Net Interest Margin ? 2.98%
+15.3% YoY +3.8% QoQ
-0.89% 3.87%
+6.2% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
Bottom 14.4% in tier
Efficiency Ratio ? 71.27%
-8.8% YoY -7.2% QoQ
+11.54% 59.73%
-12.6% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
19%
Delinquency Rate ? 0.24%
+3.5% YoY -7.5% QoQ
-0.63% 0.87%
+11.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
75%
Loan-to-Deposit Ratio ? 103.51%
-3.3% YoY +2.2% QoQ
+18.48% 85.04%
-0.1% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 8.8% in tier
Non-Interest-Bearing Deposit Share ? 21.45%
-13.1% YoY -0.5% QoQ
+0.18% 21.27%
-1.5% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
58%
Nonperforming Asset Ratio ? 0.20%
+2.3% YoY -6.2% QoQ
-0.47% 0.67%
+11.7% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
72%
Tier 1 Capital Ratio ? 12.10%
+1.7% YoY -0.5% QoQ
-2.74% 14.84%
-0.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
35%
Non-Interest Income / Assets ? 0.21%
+16.9% YoY +124.8% QoQ
-0.32% 0.53%
+2.5% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
33%

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 21.5%
-3.2pp YoY
-0.1pp QoQ
 +0.1pp 21.4% 18.9% 22.2% 58%
Brokered Deposits 2.4%
+0.8pp YoY
-0.5pp QoQ
 -7.1pp 9.5% 9.2% 8.5% 30%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 4.6%
-0.1pp YoY
+0.2pp QoQ
 -9.4pp 14.0% 10.5% 12.5% 16%
CRE 70.4%
-1.4pp YoY
0.0pp QoQ
 +20.4pp 50.0% 46.4% 41.4% 88%
1-4 Family 20.6%
-0.5pp YoY
+0.3pp QoQ
 -5.8pp 26.4% 32.3% 31.3% 43%
Consumer 1.6%
+0.6pp YoY
-0.3pp QoQ
 -3.1pp 4.7% 2.6% 5.0% 57%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio 12.1%
+0.2pp YoY
-0.1pp QoQ
 -3.5pp 15.6% 15.5% 19.7% 26%
Leverage Ratio 10.7%
+0.3pp YoY
+0.2pp QoQ
 -0.6pp 11.3% 12.6% 12.6% 55%
Total Capital Ratio 13.3%
+0.2pp YoY
-0.1pp QoQ
 -3.3pp 16.7% 16.6% 20.8% 29%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 161
+3 (+1.9%) YoY
+1 (+0.6%) QoQ
 -153 313 134 482 27%
Assets per Employee ($) $9.6M
+0.8% YoY
+0.1% QoQ
 -$929K $10.5M $8.2M $8.8M 61%
Branch Count 10
0 YoY
0 QoQ
 -10 20 9 18 29%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.4% 0.4% n/a
Nonaccrual 0.2%
0.0pp YoY
0.0pp QoQ
 -0.6pp 0.8% 0.9% 1.0% 24%
Allowance Coverage 5.19x
-4.8% YoY
+6.4% QoQ
 -13.52x 18.71x 56.89x 20.23x 79%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.0% 0.2% 22%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 7.1%
+2.1pp YoY
+1.6pp QoQ
 -5.5pp 12.6% 11.8% 11.6% 16%
Cost of Funds (YTD) 1.9%
-0.3pp YoY
0.0pp QoQ
 0.0pp 1.9% 1.8% 1.7% 50%
Net Income ($, YTD) $5.5M
+55.2% YoY
— QoQ
 -$13.8M $19.2M $7.9M $40.4M 14%

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 (1)

Credit Quality Leader

growth
#34 of 221 • Top 14.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.24%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (3)

Credit Risk Growth

risk
#4 of 402 • Bottom 0.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#42 of 492 • Bottom 8.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.24%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#165 of 361 • Bottom 45.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 103.51%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

219
Delinquency Rate
credit_quality
Value: 0.24%
Peer Median: 0.87%
#219 of 882 Top 24.7% in $1B-$10B

Top Weaknesses (4 metrics)

808
Loan-to-Deposit Ratio
liquidity
Value: 103.51%
Peer Median: 85.04%
#808 of 885 Bottom 8.8% in $1B-$10B
766
Return on Assets
profitability
Value: 0.71%
Peer Median: 1.39%
#766 of 885 Bottom 13.6% in $1B-$10B
759
Net Interest Margin
profitability
Value: 2.98%
Peer Median: 3.87%
#759 of 885 Bottom 14.4% in $1B-$10B
720
Efficiency Ratio
profitability
Value: 71.27%
Peer Median: 59.73%
#720 of 885 Bottom 18.8% in $1B-$10B
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