BlastPoint's Banking Scorecard

Park State Bank

$1B-$10B Specialty: Commercial MN FDIC cert 8851

Designations: ✓ Community bank

Duluth, MN

20 branches across MN

884 banks in the $1B-$10B peer group nationally 16 in MN

Park State Bank has 2 strengths but faces 2 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

+ ROA 0.07% above tier average
+ Efficiency Ratio 12.13% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.47% below tier average
- Delinquency Rate 0.10% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$1.5B +2.7% YoY -0.9% QoQ	-$1.3B	$2.8B -0.1% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	33%
Total Loans ?	$903.2M +3.1% YoY +2.2% QoQ	-$1.1B	$2.0B +0.6% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	25%
Total Deposits ?	$1.2B -3.4% YoY -1.5% QoQ	-$1.1B	$2.3B -0.3% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	31%
Return on Assets ?	1.43% +18.5% YoY -0.1% QoQ	+0.07%	1.37% +19.6% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	66%
Net Interest Margin ?	3.35% +3.4% YoY +1.7% QoQ	-0.47%	3.82% +6.9% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	32%
Efficiency Ratio ?	48.93% -0.4% YoY +0.8% QoQ	-12.13%	61.06% -4.6% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	81%
Delinquency Rate ?	0.99% +380.5% YoY +41.4% QoQ	+0.10%	0.89% +14.1% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	27%
Loan-to-Deposit Ratio ?	75.20% +6.7% YoY +3.7% QoQ	-9.00%	84.20% +0.3% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	76%
Non-Interest-Bearing Deposit Share ?	16.69% +21.5% YoY +0.6% QoQ	-4.60%	21.29% -2.5% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	34%
Nonperforming Asset Ratio ?	0.62% +388.2% YoY +45.0% QoQ	-0.06%	0.67% +15.6% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	35%
Tier 1 Capital Ratio ?	14.77% -2.4% YoY +0.3% QoQ	-0.39%	15.16% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.14% +9.4% YoY -77.9% QoQ	-0.12%	0.26% +1.6% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	50%

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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 884 peers in $1B-$10B

Top Strengths (2 metrics)

170

Efficiency Ratio

profitability

Value: 48.93%

Peer Median: 61.06%

#170 of 884 Top 19.1% in $1B-$10B

217

Loan-to-Deposit Ratio

liquidity

Value: 75.20%

Peer Median: 84.20%

#217 of 884 Top 24.4% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available