# PARK BANK
MADISON, WI · FDIC certificate 19608 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.54B | |
| Deposits | $1.25B | |
| Loans and leases | $1.31B | |
| Total equity | $156.2M | |
| Loans / deposits | 103.51% (p91 of band) | 87.10% |
| Liquid assets / assets | 12.50% (p12 of band) | |
| Uninsured deposits / deposits | 38.50% (p69 of band) | 30.76% |
| Brokered deposits | 1.91% | |
| Wholesale funding | 9.65% (p63 of band) | |
| FHLB advances / assets | 7.69% | |
| Tier 1 leverage | 10.74% (p55 of band) | 10.50% |
| Unrealized securities loss / equity | -9.21% (p43 of band) | -7.75% |
| AOCI / equity | -0.21% (p57 of band) | |
| ROA (annualized) | 0.71% (p15 of band) | 1.26% |
| Net interest margin | 2.98% (p15 of band) | 3.70% |
| Efficiency ratio | 71.27% (p81 of band) | |
| Noncurrent loans | 0.24% (p26 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p27 of band) | |
| Reserve coverage of noncurrent | 518.51% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 45.98% (p48 of band) | |
| Auto loans | $314,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $7.0M (4% of equity) (p83 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 161 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | loans exceed deposits, brokered >10%, wholesale funding >15%, losing money, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  | loans exceed deposits, losing money, charge-offs p90 |
| 2011-09 | 2 |  | brokered >10%, construction >100% equity |
| 2011-12 | 2 |  |  |
| 2012-03 | 4 | loans exceed deposits, deposits shrinking |  |
| 2012-06 | 5 | charge-offs p90, assets shrinking | reserve under noncurrent |
| 2012-09 | 4 |  | charge-offs p90 |
| 2012-12 | 2 | construction >100% equity | wholesale funding >15%, loans exceed deposits, deposits shrinking |
| 2013-03 | 3 | loans exceed deposits, charge-offs p90 | construction >100% equity |
| 2013-06 | 5 | wholesale funding >15%, deposits shrinking |  |
| 2013-09 | 3 | construction >100% equity | assets shrinking, charge-offs p90, deposits shrinking |
| 2013-12 | 4 | brokered >10% |  |
| 2014-03 | 4 |  |  |
| 2014-06 | 4 |  |  |
| 2014-09 | 4 | charge-offs p90 | construction >100% equity |
| 2014-12 | 3 |  | charge-offs p90 |
| 2015-03 | 1 | capital falling | loans exceed deposits, wholesale funding >15%, brokered >10% |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 2 | brokered >10%, wholesale funding >15% |  |
| 2016-03 | 1 |  | wholesale funding >15% |
| 2016-06 | 2 | loans exceed deposits, wholesale funding >15% | brokered >10% |
| 2016-09 | 2 | capital falling | wholesale funding >15% |
| 2016-12 | 3 | brokered >10%, wholesale funding >15% | loans exceed deposits |
| 2017-03 | 3 | loans exceed deposits | brokered >10% |
| 2017-06 | 2 |  | capital falling |
| 2017-09 | 3 | construction >100% equity |  |
| 2017-12 | 3 | capital falling | construction >100% equity |
| 2018-03 | 3 | liquid assets <10% | capital falling |
| 2018-06 | 2 |  | liquid assets <10% |
| 2018-09 | 4 | liquid assets <10%, construction >100% equity |  |
| 2018-12 | 2 |  | wholesale funding >15%, liquid assets <10% |
| 2019-03 | 3 | wholesale funding >15% |  |
| 2019-06 | 2 |  | construction >100% equity |
| 2019-09 | 3 | construction >100% equity |  |
| 2019-12 | 3 | noncurrent p90, reserve under noncurrent | wholesale funding >15%, construction >100% equity |
| 2020-03 | 4 | wholesale funding >15%, construction >100% equity | noncurrent p90 |
| 2020-06 | 4 | liquid assets <10%, capital falling | wholesale funding >15%, construction >100% equity |
| 2020-09 | 3 |  | capital falling |
| 2020-12 | 0 |  | loans exceed deposits, reserve under noncurrent, liquid assets <10% |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | construction >100% equity |  |
| 2022-12 | 1 | loans exceed deposits | construction >100% equity |
| 2023-03 | 2 | capital falling |  |
| 2023-06 | 3 | deposits shrinking |  |
| 2023-09 | 4 | liquid assets <10%, construction >100% equity | deposits shrinking |
| 2023-12 | 3 |  | liquid assets <10% |
| 2024-03 | 3 | NIM <2.5% | capital falling |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | construction >100% equity |
| 2025-03 | 1 |  | NIM <2.5% |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-12 [Democrats choose Marathon County Hmong leader to run for state treasurer - Wisconsin Examiner](https://news.google.com/rss/articles/CBMirwFBVV95cUxPUjg3N2ZTVDN1TGVjYU9sZ3p4dHRTUHZCbzM2czBsTEJxay1jUGFKRjhEMS1GalVoYmNkUUtlVVpNZmdwT0szTVpyLTROVE9JNTZPbF8zcmNQbEh3MWdSV3JJRENPdE9KVWtsTTdzSHBUWl9NTTY0ekRpWk50ejQ2d0djdklCMmllODlXQ1p4MkstNGRxQTFfMnBjaEVlVE14U1F1WVdQSnBfZEs5Z0hF?oc=5) · Wisconsin Examiner
- 2026-04-17 [Wisconsin Republicans thumb their noses on their way out the door - Wisconsin Examiner](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNTmhsWEpHamZidXFoTXY5d1pUajgxUHZJV1Q2bzFlUWpWMFAwbWN1UVlwQm5nSi04VHVScGJTcHFhZFQwcHpZOEtoUlQ0R2dJbjNfTjhFZmdtY0NpdnVIQUVHdC1zRElTZmNhQVF3UjgxbkpRd0MtNU13SWlYM2R0Y19Za3hJYlFfeTRybHNSbVpsYm5nal9qSkdWSWU1UWdHVlgwS2pRc3lHWHM?oc=5) · Wisconsin Examiner
- 2025-11-06 [Isthmus Volunteer Guide presented by Park Bank - Isthmus | Madison, Wisconsin](https://news.google.com/rss/articles/CBMiSkFVX3lxTE5UNFExWk1XdllaakZNSXlDY2s4ZnM2bmZ2eTBTakZVcnpINm9YRTFzc2ZOX0gwVlh3T2RGeEFFdmlKaDR4dlJyTXJn?oc=5) · Isthmus | Madison, Wisconsin
- 2024-05-17 [Former Park Bank CEO named to Horicon Bank board of directors - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOZGVsbGRrNDBzZkFIdDdzN1dPTDNXaU5VUUh3SHFCcUJZcDFOVUF1Nm03ZVdQbHhtelhxWV9sNGRUUjUyQjJjTHN6bmhLSDNmeW9uTjZySHktSm5EVEh6SXpDcjlqcGR5dmcyZVVvQ25qMkNvN3RKcnZCaS1pUFdTWC1UaVVFUUc5TnRR?oc=5) · BizTimes - Milwaukee Business News
- 2019-08-28 [Park Bank parent to be acquired by Chicago's First Midwest Bancorp - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNYUJkcjdxb3JjSEJTemRFbDlJVFlXUnpBenF0em9EaTNBV2l3VGl4LS1NQjJFMUtUZmhMOWJ3RE42STdCYk55R0NTeHlCUWlfd0FnaTV3RWd1QjBfS0ltRWhQSkV4MGk3cGdHNTlYbVAzUnFEcFQzUHlPNENwbkxseGlKenducml4a1B5WFRMQlRNRklhMXZDa1h5MVlUWno5aGVkUm1rVHREa2c?oc=5) · The Business Journals
- 2019-08-28 [Chicago’s First Midwest Bank is acquiring Milwaukee’s Park Bank for $195 million - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMiywFBVV95cUxOWVZMS09fSzBrSjVrVHp3eFhGcTlfLWFrYnpkN3ZFdTN3bm9naWFXUGZoSkk2M2lJVml2WGRqVGtGcTVrLXMyRzFoN1ZvNWFsd2hnZnpsLS1zcVNXOVRwZlZUaEFzQnRJc3ZvNjRmSkpEZHNrcTc0eW5vX1E4Wk5qVTZNVHZ0ZDlPREVIcXpoUU0tQlg1VDhjdTdVdjRva1ZfeTJwcTNtQUV4UFVCUmZ6X2JJZk1FMXlnemw2cEYzQ3NWWHA5NVBXcXI3dw?oc=5) · Milwaukee Journal Sentinel
- 2023-05-03 [Overland Park’s Bank of Blue Valley taps new president and CEO - Johnson County Post](https://news.google.com/rss/articles/CBMiigFBVV95cUxOSEZ6aGltcHN1eTJKZWhCQkVZWnAzdzFzeFRsUHlFZ3FXd2xJQWp3c0t5TVVyT0I1VHFWNFFMZTdsQzBTSDFURTZhXzRfSXM0enplUUY0Q2kxTERBYlo1SWNyeDRRN3JrbHdnRjQ5bl80cWFVZ1FuZnQ5aXozeHpZU0RnY3pjQzBlbmc?oc=5) · Johnson County Post
- 2019-10-04 [Three Men Arrested In Elmwood Park Bank Robbery - CBS News](https://news.google.com/rss/articles/CBMijgFBVV95cUxQdk95Y2c0blFwTXl1UEVPQ0Rxd1BsOEtaRHNlZnZRLUZwNE84VXlKbTc2TzU2X2ZkZExvYmltTFRld1Jibnl5TnNXeThsZFVCcy1faTF6RWUzTGNoZnc2QzZaTC0wem8zMjA0cDVjUW9BVDdhOF9kS3JyXzhNakxNbUdCMjZxVXR5b041Vkln?oc=5) · CBS News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19608 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/24.json (key "19608", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide