BlastPoint's Banking Scorecard
Park State Bank
Designations: ✓ Community bank
Duluth, MN
17 branches across MN
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 17 in MN.
- Deposits +4.3% year over year ($1.2B on the books).
- Delinquency rate 0.93%.
- Return on assets 1.30%.
- Efficiency ratio 48.58% vs a 59.73% peer average.
- Loan-to-deposit ratio 74.09% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Park State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 11.14% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
- - Net Interest Margin 0.52% below tier average
- - Delinquency Rate 0.07% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+5.7% YoY
+1.4% QoQ
|
-$1.3B |
$2.8B
-0.6% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
34% |
| Total Loans ? |
$893.3M
+3.6% YoY
-1.1% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
23% |
| Total Deposits ? |
$1.2B
+4.3% YoY
+0.4% QoQ
|
-$1.1B |
$2.3B
-0.5% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
31% |
| Return on Assets ? |
1.30%
+0.0% YoY
-9.1% QoQ
|
-0.09% |
1.39%
+17.0% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
55% |
| Net Interest Margin ? |
3.35%
+2.6% YoY
+0.0% QoQ
|
-0.52% |
3.87%
+6.2% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
28% |
| Efficiency Ratio ? |
48.58%
-0.6% YoY
-0.7% QoQ
|
-11.14% |
59.73%
-12.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
81% |
| Delinquency Rate ? |
0.93%
+373.1% YoY
-6.0% QoQ
|
+0.07% |
0.87%
+11.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
74.09%
-0.7% YoY
-1.5% QoQ
|
-10.94% |
85.04%
-0.1% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
17.22%
+16.1% YoY
+3.2% QoQ
|
-4.05% |
21.27%
-1.5% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.56%
+363.6% YoY
-9.4% QoQ
|
-0.12% |
0.67%
+11.7% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
14.94%
-6.0% YoY
+1.2% QoQ
|
+0.10% |
14.84%
-0.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.29%
+6.2% YoY
+104.7% QoQ
|
-0.24% |
0.53%
+2.5% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
50% |
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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.2%
+2.4pp YoY +0.5pp QoQ |
-4.1pp | 21.4% | 21.9% | 22.2% | 35% |
| Brokered Deposits |
18.8%
-3.8pp YoY -0.3pp QoQ |
+9.4pp | 9.5% | 8.3% | 8.5% | 88% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
21.9%
+3.4pp YoY -0.6pp QoQ |
+7.9pp | 14.0% | 14.6% | 12.5% | 84% |
| CRE |
37.4%
-3.2pp YoY +0.3pp QoQ |
-12.6pp | 50.0% | 36.5% | 41.4% | 19% |
| 1-4 Family |
36.0%
-0.5pp YoY +0.2pp QoQ |
+9.6pp | 26.4% | 29.4% | 31.3% | 77% |
| Consumer |
1.6%
+0.7pp YoY -0.1pp QoQ |
-3.1pp | 4.7% | 4.5% | 5.0% | 58% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.9%
-1.0pp YoY +0.2pp QoQ |
-0.7pp | 15.6% | 16.5% | 19.7% | 69% |
| Leverage Ratio |
9.9%
-0.4pp YoY +0.1pp QoQ |
-1.4pp | 11.3% | 11.0% | 12.6% | 34% |
| Total Capital Ratio |
15.8%
-1.1pp YoY 0.0pp QoQ |
-0.9pp | 16.7% | 17.6% | 20.8% | 67% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
158
+9 (+6.0%) YoY -4 (-2.5%) QoQ |
-156 | 313 | 55 | 482 | 25% |
| Assets per Employee ($) |
$9.4M
-0.3% YoY +4.0% QoQ |
-$1.0M | $10.5M | $8.6M | $8.8M | 60% |
| Branch Count |
18
+2 (+12.5%) YoY 0 QoQ |
-2 | 20 | 4 | 18 | 60% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.1pp | 0.2% | 0.4% | 0.4% | 45% |
| Nonaccrual |
0.9%
+0.7pp YoY 0.0pp QoQ |
+0.1pp | 0.8% | 1.0% | 1.0% | 71% |
| Allowance Coverage |
1.13x
-78.6% YoY -5.5% QoQ |
-17.58x | 18.71x | 20.41x | 20.23x | 28% |
| Net Charge-off Rate (YTD) |
0.5%
+0.5pp YoY +0.4pp QoQ |
+0.3pp | 0.3% | 0.2% | 0.2% | 92% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.3%
0.0pp YoY -1.4pp QoQ |
+0.7pp | 12.6% | 13.1% | 11.6% | 60% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.9% | 1.7% | 1.7% | 55% |
| Net Income ($, YTD) |
$9.7M
+4.6% YoY — QoQ |
-$9.6M | $19.2M | $4.5M | $40.4M | 38% |
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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.