TellerScore

Headquartered in Madison, Wisconsin, The Park Bank is a state-chartered bank with $1.5B in total assets and $1.2B in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1966.

Based on its Q2 2026 filing, The Park Bank scores 64/100, which we describe as moderate. That is higher than only 33% of 897 banks with $1 billion – $10 billion. Among 154 banks headquartered in Wisconsin, it ranks 118th. Its strongest component is problem-loan coverage (96/100; 1.8%), and its lowest is funding & liquidity (31/100; 104% loans-to-deposits, 39% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Tier 1 leverage ratio: 10.74%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.24%
Earnings48/100
Return on assets (annualized): 0.71%
Funding & liquidity31/100
Loans ÷ deposits and uninsured-deposit share: 103.5% · 38.5% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.80%

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 3 points (61 → 64), mostly because the earnings component improved by 9 points.

TellerScore
606264Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202460
Q4 202462
Q1 202563
Q2 202561
Q3 202561
Q4 202562
Q1 202662
Q2 202664
Tier 1 leverage ratio
5.00%7.87%10.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.87%
Q3 202410.09%
Q4 202410.32%
Q1 202510.30%
Q2 202510.42%
Q3 202510.45%
Q4 202510.40%
Q1 202610.51%
Q2 202610.74%
Noncurrent loans
0.03%0.15%0.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.04%
Q4 20240.04%
Q1 20250.03%
Q2 20250.23%
Q3 20250.22%
Q4 20250.24%
Q1 20260.26%
Q2 20260.24%
Return on assets
0.26%0.48%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.26%
Q3 20240.28%
Q4 20240.34%
Q1 20250.44%
Q2 20250.47%
Q3 20250.51%
Q4 20250.56%
Q1 20260.54%
Q2 20260.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$1.5B10.74%0.24%0.71%103.5%
Q1 202662$1.5B10.51%0.26%0.54%101.3%
Q4 202562$1.6B10.40%0.24%0.56%100.5%
Q3 202561$1.5B10.45%0.22%0.51%106.3%
Q2 202561$1.5B10.42%0.23%0.47%107.0%
Q1 202563$1.5B10.30%0.03%0.44%103.7%
Q4 202462$1.5B10.32%0.04%0.34%105.7%
Q3 202460$1.5B10.09%0.04%0.28%109.4%
Q2 202460$1.5B9.87%0.04%0.26%110.3%

897 peers · $1 billion – $10 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).

Capital ratio10.74%
55th
Total risk-based capital13.35%
47th
Problem loans0.24%
75th
Net charge-offs0.00%
74th
Return on assets0.71%
14th
Net interest margin2.98%
15th
Efficiency ratio71.3%
19th
Loans to deposits103.5%
9th
Uninsured deposits38.5%
31st
Loan-loss reserves1.23%
62nd
Texas ratio1.8%
72nd

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples State BankBank Wausau, WI56 out of 100, Moderate$1.5B10.2%1.40%vs
Bankers' BankBank Madison, WI69 out of 100, Moderate$1.5B14.7%0.55%vs
Waukesha State BankBank Waukesha, WI80 out of 100, Strong$1.6B11.5%0.25%vs
Horicon BankBank Horicon, WI63 out of 100, Moderate$1.7B9.7%0.93%vs
Forward BankBank Marshfield, WI64 out of 100, Moderate$1.3B9.2%0.28%vs
CCFBank National AssociationBank Altoona, WI50 out of 100, Below average$1.8B11.2%2.28%vs

Deposit insurance

Is my money safe at The Park Bank?

Yes. The Park Bank is an FDIC-insured institution (FDIC certificate #19608). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.5% of deposits ($479.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.74%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.35% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

The Park Bank lists 10 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Park Bank reported 596 home-loan applications under HMDA (LEI YQI2CPR3Z44KAR0HG822): 469 originated ($176,365,000 total), 48 denied, and 68 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.1%, 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
The Park Bank
Type
State-chartered bank
FDIC certificate #
19608
RSSD ID
403946
Primary regulator
FDIC
Holding company
Park Bcorp Inc
Established
July 18, 1966
Headquarters
2401 S Park St, Madison, WI 53713
Employees
161

Quick answers

The Park Bank: common questions

Is The Park Bank FDIC insured?

Yes. The Park Bank is an FDIC-insured institution (FDIC certificate #19608). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Park Bank's TellerScore?

64 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 The Park Bank ever failed?

There is no failure record for FDIC certificate #19608 in the FDIC failed bank list.

How many branches does The Park Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Madison

InstitutionScoreAssetsCapitalProblem loansCompare
Mississippi Public Employees Federal Credit UnionCredit union Jackson, MS97 out of 100, Very strong$29.2M18.1%0.10%vs
Madison Fire Department Credit UnionCredit union Madison, WI90 out of 100, Very strong$5.5M19.9%0.00%vs
Bank of Prairie du SacBank Prairie Du Sac, WI88 out of 100, Very strong$744.5M13.7%0.00%vs
Mound City BankBank Platteville, WI86 out of 100, Very strong$550.7M13.1%0.11%vs
John Deere Financial, f.s.b.Bank Middleton, WI82 out of 100, Strong$4.9B19.4%0.27%vs
Badger BankBank Fort Atkinson, WI82 out of 100, Strong$206.0M12.4%0.07%vs