Park State Bank & Trust
Total assets
$162.3M
▲ +8.1% YoY
Deposits
$145.7M
▲ +8.0% YoY
Loans
$110.2M
▲ +5.2% YoY
Offices
1
ROA (annualized)
1.05%
peers 1.24%
ROE (annualized)
10.43%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +4.4% | +3.7 pts |
| Deposit growth (YoY) | +8.0% | +4.0% | +4.0 pts |
| Loan growth (YoY) | +5.2% | +5.6% | -0.4 pts |
| ROA | 1.05% | 1.24% | -0.2 pts |
| ROE | 10.4% | 11.9% | -1.4 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
Profile
- Established
- 1965
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 710 W Us Highway 24, Woodland Park, CO, 80863
- County
- Teller
- Metro area
- Colorado Springs, CO
- Offices
- 1
- FDIC cert #
- 19381
- RSSD ID
- 480059
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $162.3M | $145.7M | $110.2M | $16.3M | $845K | 1.05% | 4.66% | 0.71% |
| Q1 2026 | $158.8M | $142.4M | $107.1M | $16.0M | $436K | 1.09% | 4.53% | 0.84% |
| Q4 2025 | $161.5M | $144.7M | $106.1M | $16.3M | $2.0M | 1.34% | 4.85% | 0.71% |
| Q3 2025 | $158.8M | $142.5M | $100.7M | $15.9M | $1.7M | 1.51% | 4.92% | 0.91% |
| Q2 2025 | $150.1M | $134.9M | $104.8M | $14.9M | $1.1M | 1.52% | 4.96% | 0.73% |
| Q1 2025 | $140.9M | $126.1M | $108.0M | $14.5M | $595K | 1.69% | 5.00% | 0.78% |
| Q4 2024 | $141.2M | $126.8M | $102.0M | $14.1M | $1.4M | 0.99% | 4.71% | 0.77% |
| Q3 2024 | $142.6M | $127.8M | $102.6M | $14.4M | $1.0M | 1.00% | 4.60% | 0.77% |
Loan mix (Q2 2026): real estate $106.5M · commercial $3.0M · consumer $2.2M · securities $14.5M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Park State Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.24% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 11.9% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.96% | 83th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.9% | 62.9% | 84th | |
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% |
Balance sheet
| Ratio | Park State Bank & Trust | 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% |
Capital
| Ratio | Park State Bank & Trust | 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% |
Credit quality
| Ratio | Park State Bank & Trust | 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% |
Franchise
| Ratio | Park State Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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