Park State Bank & Trust: how it compares with its peers
Against 23 CO banks with half to twice its assets, Park State Bank & Trust's strongest measure in Q2 2026 is net interest margin (4.66% vs. a 4.06% peer median). Its weakest relative measure is assets per employee ($4.8M vs. $7.3M).
| Measure | Park State Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.05% | 0.93% | Middle third Ahead of 57% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.66% | 4.06% | Top third Ahead of 83% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 78.95% | 67.89% | Bottom third Ahead of 30% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.8M | $7.3M | Bottom third Ahead of 17% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.64% | 78.38% | Context |
What it means for lending operations
Its efficiency ratio of 78.95% is above the 67.89% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First National Bank, Cortez Cortez, CO · $157M
- Equitable Savings and Loan Association Sterling, CO · $168M
- Del Norte Bank Del Norte, CO · $155M
- Fowler State Bank Fowler, CO · $155M
- Bank of Estes Park Estes Park, CO · $172M
- Evergreen National Bank Evergreen, CO · $140M
Questions about Park State Bank & Trust
How big is Park State Bank & Trust?
Park State Bank & Trust, established in 1965, is headquartered in Woodland Park, CO. It reported $162M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Park State Bank & Trust's return on assets?
1.05% annualized in Q2 2026, against a 0.93% median for 23 CO banks with half to twice its assets, ahead of 57% of them.
What is Park State Bank & Trust's efficiency ratio?
78.95% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 67.89%, and lower is better.
Is Park State Bank & Trust growing its loans?
Net loans grew 5.2% over the year to Q2 2026, while deposits grew 8.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Colorado bank ranked.