Park State Bank&Trust
Woodland Park, Colorado · FDIC Cert #19381
Park State Bank&Trust is an FDIC-insured bank (Certificate #19381) with $138M in total assets and $124M in total deposits as of the Q2 2024 Call Report. Headquartered in Woodland Park, Colorado, the bank maintains a Tier 1 capital ratio of 16.30% (Well-Capitalized) and a nonperforming loan ratio of 1.07%. BankHealthData assigns a composite Health Grade of B (70/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Park State Bank&Trust (FDIC cert 19381) is a community bank — $138M in total assets, $124M in deposits, serving the Woodland Park, Colorado 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 16.30% 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 is normal: non-performing loan ratio of 1.07% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 11.2% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 0.91% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Park State Bank&Trust carries a composite BankHealth grade of B (70/100) 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 State Bank&Trust
- Total Assets
- $138M
- Total Deposits
- $124M
- Tier 1 Capital Ratio
- 16.30%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.07%
- Liquidity Ratio
- 11.21%
- Return on Assets
- 0.91%
- Headquarters
- Woodland Park, Colorado
- FDIC Certificate
- #19381
- Health Grade
- B (70/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Park State Bank&Trust holds a Tier 1 capital ratio of 16.30%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Park State Bank&Trust has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Park State Bank&Trust shows strong financial health indicators. With $138M in assets and a Health Score of 70/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
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 State Bank&Trust Compares
Park State Bank&Trust’s Health Score of 70 is 1 points below the Colorado state average of 71 across 62 FDIC-insured banks. Its 16.30% Tier 1 capital ratio is 2.3 points above the US banking industry average near 14%. The 1.07% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.91% is below the national ROA benchmark of ~1.1%. Among 1318 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort.
Frequently Asked Questions
Park State Bank&Trust has a Bank Health Score of B (70/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 16.30%, 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 State Bank&Trust's Tier 1 capital ratio of 16.30% and nonperforming loan ratio of 1.07% indicate a low 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 State Bank&Trust is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #19381). 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 State Bank&Trust holds $138M in total assets and $124M in total deposits. It is headquartered in Woodland Park, Colorado (FDIC Certificate #19381).
Park State Bank&Trust has a Tier 1 capital ratio of 16.30%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.07%, and the return on assets is 0.91%.
Yes. Park State Bank&Trust is FDIC-insured (Certificate #19381). 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 B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Park State Bank&Trust's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.