PARK STATE BANK — NPL Explorer

Total Assets

$1.5B

—

Total Loans

$914M

—

Texas Ratio

5.8%

+1.7

Non-Performing Loans %

1.0%

+0.3

PARK STATE BANK in MN reported a Texas ratio of 5.8% in Q1 2026, rising +1.7pp from the prior quarter. Nonperforming assets totaled 0.98%, up +0.29pp quarter-over-quarter.

Portfolio composition

Category	Balance	% of total	NPL %	Charge-off %
Real estate (all)	—	—	—	—
Commercial real estate	—	—	—	—
Construction & land	—	—	—	—
FOUNDATION Multifamily — Unlock to view
FOUNDATION Non-residential CRE — Unlock to view
FOUNDATION Residential real estate — Unlock to view
FOUNDATION Commercial & industrial — Unlock to view
FOUNDATION Consumer — Unlock to view
FOUNDATION Other loans — Unlock to view
FOUNDATION 1-4 family — 1st lien — Unlock to view
FOUNDATION 1-4 family — junior lien — Unlock to view
FOUNDATION 1-4 family — HELOC — Unlock to view
FOUNDATION Multifamily — Unlock to view
FOUNDATION CRE — owner-occupied — Unlock to view
FOUNDATION CRE — non-owner-occupied — Unlock to view
FOUNDATION Construction — 1-4 family — Unlock to view
FOUNDATION Construction — other — Unlock to view
FOUNDATION Commercial & industrial — Unlock to view
FOUNDATION Consumer — Unlock to view

FOUNDATION

20-quarter trend panels

See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.

FOUNDATION

Peer cohort comparison

Benchmark against banks in the same size and geography cohort.

FOUNDATION

Full portfolio composition

Every loan category, NPL ratio, and charge-off rate — beyond the top 3.

Minnesota mortgage-note market & lender distress →

First National BankChisholm, MN · Dec 5, 2025 · Merger
Inherited NPL volume
$1M
Inherited NPL %
3.75%
Total loans inherited
$31M
Total assets inherited
$79M
YTD charge-offs (at close)
$426K
Last filing
Sep 30, 2025