# PARK BANK
MILWAUKEE, WI · FDIC certificate 26218 · asset band $1-10B · latest filing 2020-03 · stopped filing (departed)

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $1.11B | |
| Deposits | $911.5M | |
| Loans and leases | $916.1M | |
| Total equity | $178.0M | |
| Loans / deposits | 98.75% (p80 of band) | 89.07% |
| Liquid assets / assets | 12.26% (p11 of band) | |
| Uninsured deposits / deposits | 59.00% (p95 of band) | 27.79% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.58% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.59% (p77 of band) | 10.26% |
| Unrealized securities loss / equity | 0.00% (p23 of band) | 1.40% |
| AOCI / equity | 0.00% (p31 of band) | |
| ROA (annualized) | 0.87% (p51 of band) | 0.87% |
| Net interest margin | 3.16% (p28 of band) | 3.51% |
| Efficiency ratio | 55.01% (p23 of band) | |
| Noncurrent loans | 0.41% (p39 of band) | 0.53% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 424.91% | |
| Real estate % of loans | 49% | |
| Construction % of loans | 42.92% (p48 of band) | |
| Auto loans | $14,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | 11.3% | |
| Employees | 102 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **run vulnerability** (`liq_runrisk`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 2 | charge-offs p90 | capital falling |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 | charge-offs p90 | capital falling |
| 2013-06 | 2 | deposits shrinking | charge-offs p90 |
| 2013-09 | 1 |  | deposits shrinking |
| 2013-12 | 3 | capital falling, charge-offs p90 |  |
| 2014-03 | 0 |  | reserve under noncurrent, capital falling, charge-offs p90 |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | capital falling, charge-offs p90 |  |
| 2015-12 | 2 | uninsured deposits >50% | charge-offs p90 |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 0 |  | uninsured deposits >50% |
| 2016-09 | 1 | uninsured deposits >50% |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | uninsured deposits >50% |
| 2017-09 | 1 | deposits shrinking |  |
| 2017-12 | 1 | uninsured deposits >50% | deposits shrinking |
| 2018-03 | 1 | deposits shrinking | uninsured deposits >50% |
| 2018-06 | 1 | uninsured deposits >50% | deposits shrinking |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | charge-offs p90 | capital falling |
| 2019-06 | 3 | noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2019-09 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2019-12 | 3 | capital falling, charge-offs p90 |  |
| 2020-03 | 2 | run vulnerability | capital falling, charge-offs p90 |

## 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=26218 (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/42.json (key "26218", 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