TellerScore

Park Bank, National Association (FDIC certificate #13054) is based in Holmen, Wisconsin. Its Q2 2026 call report shows $76.5M in total assets and $63.7M in deposits and 3 offices.

Park Bank, National Association has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 546 banks with under $100 million in assets. Among 154 banks headquartered in Wisconsin, it ranks 123rd. Funding & liquidity contributes the most (100/100, 40% loans-to-deposits, 10% uninsured); earnings contributes the least (24/100, 0.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion93/100
Tier 1 leverage ratio: 14.26%
Loan quality26/100
Noncurrent loans ÷ total loans: 2.23%
Earnings24/100
Return on assets (annualized): 0.11%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 39.9% · 10.4% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.83%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 9 points (54 → 63), mostly because the loan quality component improved by 26 points.

TellerScore
525863Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202461
Q4 202460
Q1 202554
Q2 202554
Q3 202552
Q4 202554
Q1 202655
Q2 202663
Tier 1 leverage ratio
5.00%10.46%15.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.86%
Q3 202415.92%
Q4 202415.63%
Q1 202514.44%
Q2 202514.14%
Q3 202513.38%
Q4 202513.54%
Q1 202614.09%
Q2 202614.26%
Noncurrent loans
2.23%3.74%5.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20245.25%
Q3 20244.56%
Q4 20244.96%
Q1 20255.17%
Q2 20255.20%
Q3 20255.24%
Q4 20254.47%
Q1 20264.32%
Q2 20262.23%
Return on assets
-0.19%0.13%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.31%
Q3 20240.45%
Q4 20240.38%
Q1 2025-0.19%
Q2 20250.00%
Q3 2025-0.04%
Q4 20250.16%
Q1 20260.09%
Q2 20260.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$76.5M14.26%2.23%0.11%39.9%
Q1 202655$75.4M14.09%4.32%0.09%41.1%
Q4 202554$79.7M13.54%4.47%0.16%37.0%
Q3 202552$79.1M13.38%5.24%-0.04%37.6%
Q2 202554$76.5M14.14%5.20%0.00%39.4%
Q1 202554$72.4M14.44%5.17%-0.19%42.2%
Q4 202460$73.6M15.63%4.96%0.38%40.7%
Q3 202461$68.1M15.92%4.56%0.45%47.4%
Q2 202458$65.7M15.86%5.25%0.31%48.1%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.26%
65th
Total risk-based capital30.90%
88th
Problem loans2.23%
17th
Net charge-offs-0.42%
99th
Return on assets0.11%
14th
Net interest margin3.60%
34th
Efficiency ratio99.7%
12th
Loans to deposits39.9%
82nd
Uninsured deposits10.4%
73rd
Loan-loss reserves6.26%
99th
Texas ratio4.8%
33rd

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of OntarioBank Ontario, WI51 out of 100, Below average$79.0M13.9%8.53%vs
Hustisford State BankBank Hustisford, WI84 out of 100, Strong$80.3M15.2%0.22%vs
Mayville Savings BankBank Mayville, WI86 out of 100, Very strong$84.2M13.4%0.32%vs
Independence State BankBank Independence, WI75 out of 100, Strong$84.2M10.4%0.00%vs
Ladysmith Federal Savings and Loan AssociationBank Ladysmith, WI45 out of 100, Below average$93.2M9.2%2.03%vs
Community First BankBank Rosholt, WI75 out of 100, Strong$97.6M11.0%0.00%vs

Deposit insurance

Is my money safe at Park Bank, National Association?

Yes. Park Bank, National Association is an FDIC-insured institution (FDIC certificate #13054). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.4% of deposits ($6.6M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.26%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 30.90% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Park Bank, National Association lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Park Bank, National Association reported 75 home-loan applications under HMDA (LEI 254900SL0H3ZRSDNV180): 64 originated ($7,330,000 total), 4 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Park Bank, National Association
Former names
Park Bank; Bank of Holmen
Type
National bank
FDIC certificate #
13054
RSSD ID
518354
Primary regulator
OCC
Holding company
Golden Oak Bancshares Inc
Established
January 1, 1909
Headquarters
1200 S Main St, Holmen, WI 54636
Employees
13

Quick answers

Park Bank, National Association: common questions

Is Park Bank, National Association FDIC insured?

Yes. Park Bank, National Association is an FDIC-insured institution (FDIC certificate #13054). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Park Bank, National Association's TellerScore?

63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Park Bank, National Association ever failed?

There is no failure record for FDIC certificate #13054 in the FDIC failed bank list.

How many branches does Park Bank, National Association have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Holmen

InstitutionScoreAssetsCapitalProblem loansCompare
Bluff View BankBank Galesville, WI90 out of 100, Very strong$152.8M14.9%0.00%vs
The First National Bank of BangorBank Bangor, WI83 out of 100, Strong$363.7M31.6%0.95%vs
Firefighters Credit UnionCredit union Onalaska, WI83 out of 100, Strong$133.0M16.1%0.57%vs
Union State BankBank West Salem, WI82 out of 100, Strong$117.6M12.2%0.14%vs
Gundersen Credit UnionCredit union LA Crosse, WI82 out of 100, Strong$85.3M13.8%0.07%vs
Arcadia Credit UnionCredit union Arcadia, WI79 out of 100, Strong$144.2M12.9%0.46%vs