Headquartered in Woodland Park, Colorado, Park State Bank & Trust is a state-chartered bank with $162.3M in total assets and $145.7M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1965.
Based on its Q2 2026 filing, Park State Bank & Trust scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 23rd. Its strongest component is loan quality (98/100; 0.05%), and its lowest is earnings (62/100; 1.05%).
TellerScore · Q2 2026
Scorecard
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 fell 5 points (82 → 77), mostly because the earnings component weakened by 19 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 77 |
| Q4 2024 | 77 |
| Q1 2025 | 82 |
| Q2 2025 | 82 |
| Q3 2025 | 79 |
| Q4 2025 | 80 |
| Q1 2026 | 75 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.79% |
| Q3 2024 | 11.49% |
| Q4 2024 | 11.61% |
| Q1 2025 | 11.73% |
| Q2 2025 | 11.74% |
| Q3 2025 | 11.28% |
| Q4 2025 | 11.20% |
| Q1 2026 | 11.08% |
| Q2 2026 | 11.26% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.07% |
| Q3 2024 | 0.01% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.01% |
| Q3 2025 | 0.35% |
| Q4 2025 | 0.05% |
| Q1 2026 | 0.23% |
| Q2 2026 | 0.05% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.91% |
| Q3 2024 | 1.00% |
| Q4 2024 | 0.99% |
| Q1 2025 | 1.69% |
| Q2 2025 | 1.52% |
| Q3 2025 | 1.51% |
| Q4 2025 | 1.34% |
| Q1 2026 | 1.09% |
| Q2 2026 | 1.05% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $162.3M | 11.26% | 0.05% | 1.05% | 75.6% |
| Q1 2026 | 75 | $158.8M | 11.08% | 0.23% | 1.09% | 75.2% |
| Q4 2025 | 80 | $161.5M | 11.20% | 0.05% | 1.34% | 73.3% |
| Q3 2025 | 79 | $158.8M | 11.28% | 0.35% | 1.51% | 70.7% |
| Q2 2025 | 82 | $150.1M | 11.74% | 0.01% | 1.52% | 77.7% |
| Q1 2025 | 82 | $140.9M | 11.73% | 0.02% | 1.69% | 85.7% |
| Q4 2024 | 77 | $141.2M | 11.61% | 0.01% | 0.99% | 80.5% |
| Q3 2024 | 77 | $142.6M | 11.49% | 0.01% | 1.00% | 80.3% |
| Q2 2024 | 68 | $138.1M | 11.79% | 1.07% | 0.91% | 81.3% |
2,650 peers · $100 million – $1 billion
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).
Similar-size banks in Colorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank, CortezBank Cortez, CO | 53 out of 100, Below average | $156.9M | 10.0% | 1.92% | vs |
| Equitable Savings and Loan AssociationBank Sterling, CO | 75 out of 100, Strong | $168.3M | 15.7% | 0.22% | vs |
| Del Norte BankBank Del Norte, CO | 74 out of 100, Strong | $155.3M | 10.7% | 0.04% | vs |
| Fowler State BankBank Fowler, CO | 60 out of 100, Moderate | $154.5M | 13.2% | 3.46% | vs |
| Bank of Estes ParkBank Estes Park, CO | 76 out of 100, Strong | $171.9M | 10.8% | 0.00% | vs |
| Evergreen National BankBank Evergreen, CO | 84 out of 100, Strong | $139.9M | 13.5% | 0.09% | vs |
Deposit insurance
Is my money safe at Park State Bank & Trust?
Yes. Park State Bank & Trust is an FDIC-insured institution (FDIC certificate #19381). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 6.3% of deposits ($9.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.26%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.21% (benchmark: 10%).
1 location
Branches
Park State Bank & Trust lists 1 office in 1 city. Most locations:
- Woodland Park, CO (1)
Identity & history
Profile
- Legal name
- Park State Bank & Trust
- Former names
- Park State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 19381
- RSSD ID
- 480059
- Primary regulator
- FDIC
- Established
- March 1, 1965
- Headquarters
- 710 W Us Highway 24, Woodland Park, CO 80863
- Website
- www.psbtrust.bank
- Employees
- 34
Quick answers
Park State Bank & Trust: common questions
Is Park State Bank & Trust FDIC insured?
Yes. Park State Bank & Trust is an FDIC-insured institution (FDIC certificate #19381). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Park State Bank & Trust's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Park State Bank & Trust ever failed?
There is no failure record for FDIC certificate #19381 in the FDIC failed bank list.
How many branches does Park State Bank & Trust have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Woodland Park
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| School District 3 Federal Credit UnionCredit union Colorado Spring, CO | 91 out of 100, Very strong | $36.0M | 15.7% | 0.00% | vs |
| Bank19Bank Memphis, TX | 90 out of 100, Very strong | $147.8M | 15.3% | 0.00% | vs |
| 5Star BankBank Colorado Springs, CO | 87 out of 100, Very strong | $378.2M | 17.2% | 0.16% | vs |
| First National Bank ColoradoBank Las Animas, CO | 85 out of 100, Very strong | $634.3M | 11.8% | 0.00% | vs |
| Pikes Peak National BankBank Colorado Springs, CO | 85 out of 100, Very strong | $110.8M | 15.6% | 0.00% | vs |
| Armed Forces Bank, National AssociationBank Fort Leavenworth, KS | 83 out of 100, Strong | $1.4B | 13.9% | 1.21% | vs |