| Metric | Park State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +5.5% | +0.3 pts |
| Deposit growth (YoY) | +4.3% | +5.1% | -0.7 pts |
| Loan growth (YoY) | +3.6% | +5.9% | -2.3 pts |
| ROA | 1.30% | 1.26% | +0.0 pts |
| ROE | 13.3% | 12.2% | +1.2 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.49B | $1.21B | $893.3M | $146.8M | $9.7M | 1.30% | 3.35% | 0.56% |
| Q1 2026 | $1.47B | $1.20B | $903.2M | $145.0M | $5.3M | 1.43% | 3.35% | 0.62% |
| Q4 2025 | $1.49B | $1.22B | $883.9M | $143.6M | $20.6M | 1.44% | 3.30% | 0.43% |
| Q3 2025 | $1.42B | $1.17B | $853.3M | $146.7M | $14.2M | 1.34% | 3.29% | 0.31% |
| Q2 2025 | $1.41B | $1.16B | $862.2M | $144.8M | $9.2M | 1.30% | 3.27% | 0.12% |
| Q1 2025 | $1.43B | $1.24B | $876.3M | $138.0M | $4.3M | 1.21% | 3.24% | 0.13% |
| Q4 2024 | $1.41B | $1.25B | $870.4M | $133.6M | $17.1M | 1.27% | 3.13% | 0.17% |
| Q3 2024 | $1.41B | $1.17B | $880.5M | $130.6M | $12.5M | 1.25% | 3.15% | 0.24% |
Loan mix (Q2 2026): real estate $655.9M · commercial $196.1M · consumer $14.6M · securities $421.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Park State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.26% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 12.2% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.6% | 59.0% | 20th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Park State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Park State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Park State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Park State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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