PARK STATE BANK & TRUST

WOODLAND PARK, CO · Supervised by FDIC

Est. 1965FDIC #19,381RSSD: FDIC-19381

Satisfactory Same

Current rating · Exam: March 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.09%

Is this bank safe?

PARK STATE BANK & TRUST holds a Satisfactory CRA rating (2020), is financially strong (ROA +1.09%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Website

www.psbtrust.bank

Address

710 W Us Highway 24, WOODLAND PARK, CO

County

Teller County

Established

March 1, 1965

Total Assets

$159M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2020

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 6 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$159M

Total Deposits

$142M

Net Loans

$107M

Net Income

$436K

ROA

1.09%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.80%

Risk-Based Capital

20.61%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.09%Peer avg: 0.44%▲ Above avg

Risk-Based Capital20.61%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate8.77%Peer avg: 6.90%▲ More than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$135M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	57	64.91%	8.77%
2019	82	64.63%	6.10%
2018	58	70.69%	3.45%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Mar 2020	Satisfactory	Small Bank
Apr 2014	Satisfactory	Small Bank
Feb 2009	Satisfactory	Small Bank

5 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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