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Overview / Commentary
710 W Hwy 24
Woodland Park, CO 80863

Park State Bank & Trust is headquartered in Woodland Park and is the 77th largest bank in the state of Colorado. It is also the 5,034th largest bank in the nation. It was established in 1965 and as of March of 2014, it had grown to 33 employees at 1 location. Park State Bank & Trust has a C- health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Park State Bank & Trust has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Park State Bank & Trust had $8.75 million in non-current loans and owned real-estate with $7.67 million in equity and loan loss allowances on hand to cover it. This gives Park State Bank & Trust a Texas Ratio of 114.03% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Park State Bank & Trust experienced no significant changes from 119.83% as of March 31, 2013 to 114.03% as of March 31, 2014, resulting in a positive change of 4.84%.This indicates that the balance sheet and financial strength for Park State Bank & Trust has had no significant changes in recent periods.

Deposit Growth


In the past year, Park State Bank & Trust has increased its total deposits by $3.71 million, resulting in 4.85% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Park State Bank & Trust has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Park State Bank & Trust has $87.4 million in assets with $7.67 million in equity, resulting in a capitalization level of 8.78%, which is average.

Institution Statistics

FDIC Certificate #19381
Year Established1965
Primary RegulatorFDIC
Assets and Liabilities
Assets$87.40 million
Loans$45.89 million
Deposits$80.33 million
Equity Capital$6.83 million
Loan Loss Allowance$845,000
Unbacked Noncurrent Loans$2.50 million
Real Estate Owned$6.25 million
Historic Data - March 2013
Assets$84.78 million
Equity Capital$7.87 million
Loan Loss Allowance$1.14 million
Unbacked Noncurrent Loans$2.50 million
Real Estate Owned$6.27 million
Profit Margin - Quarterly
Net Interest Margin3.83%
Return on Assets-0.47%
Return on Equity-5.98%
Interest Income$774,000

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Park State Bank & Trust Locations
Park State Bank & Trust710 W Hwy 24Woodland Park, CO 80863