Park Bank National Assn
Holmen, Wisconsin · FDIC Cert #13054
Park Bank National Assn is an FDIC-insured bank (Certificate #13054) with $66M in total assets and $53M in total deposits as of the Q2 2024 Call Report. Headquartered in Holmen, Wisconsin, the bank maintains a Tier 1 capital ratio of 30.66% (Well-Capitalized) and a nonperforming loan ratio of 5.25%. BankHealthData assigns a composite Health Grade of C (63/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Park Bank National Assn (FDIC cert 13054) is a community bank — $66M in total assets, $53M in deposits, serving the Holmen, Wisconsin area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 30.66% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality shows stress: non-performing loan ratio of 5.25% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is very high: 51.5% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is thin: ROA of 0.22% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Park Bank National Assn carries a composite BankHealth grade of C (63/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Park Bank National Assn
- Total Assets
- $66M
- Total Deposits
- $53M
- Tier 1 Capital Ratio
- 30.66%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 5.25%
- Liquidity Ratio
- 51.52%
- Return on Assets
- 0.22%
- Headquarters
- Holmen, Wisconsin
- FDIC Certificate
- #13054
- Health Grade
- C (63/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Park Bank National Assn holds a Tier 1 capital ratio of 30.66%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Park Bank National Assn has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Park Bank National Assn shows average financial health. While not alarming, its Health Score of 63/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Park Bank National Assn Compares
Park Bank National Assn’s Health Score of 63 is 4 points below the Wisconsin state average of 67 across 141 FDIC-insured banks. Its 30.66% Tier 1 capital ratio is 16.7 points above the US banking industry average near 14%. The 5.25% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.22% is below the national ROA benchmark of ~1.1%. Among 734 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Park Bank National Assn is 7 points below the portfolio average of 70.
Frequently Asked Questions
Park Bank National Assn has a Bank Health Score of C (63/100), placing it in average financial health. It holds a Tier 1 capital ratio of 30.66%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Park Bank National Assn's Tier 1 capital ratio of 30.66% and nonperforming loan ratio of 5.25% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Park Bank National Assn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #13054). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Park Bank National Assn holds $66M in total assets and $53M in total deposits. It is headquartered in Holmen, Wisconsin (FDIC Certificate #13054).
Park Bank National Assn has a Tier 1 capital ratio of 30.66%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 5.25%, and the return on assets is 0.22%.
Yes. Park Bank National Assn is FDIC-insured (Certificate #13054). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Park Bank National Assn's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.