Total Assets
$161M
Total balance-sheet footings
FDIC Cert #19381 · Woodland Park, Colorado · Est. 1965
Park State Bank & Trust - FDIC Bank Health Profile
A community-scale look at Park State Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $161M
- Total assets
- A
- Health grade · Excellent
- 1.34%
- Return on assets
- 19.2%
- Tier 1 capital
Data updated July 2026
The verdict
Park State Bank & Trust earns a PlainBankData health grade of A (84/100), with well-capitalized at 19.19% Tier 1, profitable at 1.34% ROA, 74% efficiency ratio.
- #3,264
- largest of 4,313 FDIC banks by assets
- 24th
- percentile by asset size, nationally
- 19.19%
- Tier 1 ratio - above the 10% well-capitalized line
- 66th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Park State Bank & Trust's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Park State Bank & Trust's composite health score
Tier 1 Capital Ratio (19.19%) 40/40
Return on Assets (ROA) (1.34%) 20/25
Texas Ratio (0.31%) 20/20
Efficiency Ratio (73.55%) 4/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$145M
Customer-funded liabilities
Net Loans
$106M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Park State Bank & Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Park State Bank & Trust's score of 84/100 falls in the highlighted band.
Park State Bank & Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Park State Bank & Trust's $161M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
19.19% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
19.19%
Texas Ratio
0.31%
Equity Capital
$16M
Profitability metrics
Return on Assets (ROA)
66th percentile nationally
1.34%
Return on Equity (ROE)
13.33%
Efficiency Ratio
73.55%
What the numbers say about Park State Bank & Trust
Park State Bank & Trust is an FDIC-insured institution (Certificate #19381) headquartered in Woodland Park, Colorado, established in 1965. It holds $161M in total assets - 3,264th of 4,313 FDIC-insured banks, $145M in customer deposits, and $106M in net loans. Its capital position: a Tier 1 ratio of 19.19%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.31% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (84 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Park State Bank & Trust is a community-scale institution -- 48th of 65 FDIC-insured banks headquartered in Colorado by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$9M
Interest Income
$1M
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Park State Bank & Trust reports a Texas Ratio of 0.31% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.31% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Colorado by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Park State Bank & Trust (FDIC Cert #19381) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Colorado
All Colorado banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| FirstBankLakewood | $26.5B | A | 1.20% |
| NBH BankGreenwood Village | $9.8B | A | 1.18% |
| Bank of ColoradoFort Collins | $7.7B | A | 1.07% |
| Alpine BankGlenwood Springs | $6.9B | A | 1.16% |
| First Western Trust BankDenver | $3.2B | C | 0.51% |
| ANB BankDenver | $3.0B | B | 0.81% |
| Colorado Federal Savings BankGreenwood Village | $2.7B | A | 0.57% |
| Solera National BankLakewood | $1.6B | B | 1.86% |
Frequently asked questions
What is Park State Bank & Trust's health grade?▼
Park State Bank & Trust receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Park State Bank & Trust?▼
Park State Bank & Trust holds $161M in total assets and $145M in deposits, ranking 3,264th of 4,313 FDIC-insured banks by asset size. It is headquartered in Woodland Park, Colorado.
Is my money safe at Park State Bank & Trust?▼
Yes, deposits at Park State Bank & Trust (Certificate #19381) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Park State Bank & Trust's Tier 1 Capital Ratio?▼
Park State Bank & Trust has a Tier 1 Capital Ratio of 19.19%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Park State Bank & Trust?▼
Park State Bank & Trust has a Texas Ratio of 0.31%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Park State Bank & Trust?▼
Park State Bank & Trust has an Efficiency Ratio of 73.55%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Park State Bank & Trust's profile as a depositor or analyst.
- Park State Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Park State Bank & Trust against other Colorado banks before moving funds. Colorado banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.