Parke Bancorp, Inc. (PKBK): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Parke Bancorp, Inc. (PKBK), einem regionalen Bankkonzern, der traditionelle Finanzdienstleistungen durch ein sorgfältig ausgearbeitetes Geschäftsmodell transformiert. Dieser innovative Ansatz nutzt tiefe Einblicke in den lokalen Markt, modernste digitale Technologien und ein gezieltes Engagement für die Betreuung kleiner und mittlerer Unternehmen in New Jersey und Pennsylvania. Durch die Kombination von personalisiertem Relationship Banking mit flexiblen Finanzlösungen hat sich PKBK eine besondere Nische in der wettbewerbsintensiven Bankenlandschaft geschaffen und bietet Unternehmern und lokalen Unternehmen ein einzigartiges Leistungsversprechen, das weit über herkömmliche Bankdienstleistungen hinausgeht.

Parke Bancorp, Inc. (PKBK) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Wirtschaftsverbände und Handelskammern

Ab 2024 unterhält Parke Bancorp Partnerschaften mit den folgenden lokalen Wirtschaftsverbänden:

Vereinsname	Standort	Mitgliedschaftsstatus
New Jersey Bankers Association	Princeton, New Jersey	Aktives Mitglied
Pennsylvania Bankers Association	Harrisburg, PA	Aktives Mitglied

Gewerbeimmobilienentwickler

Zu den wichtigsten Immobilienentwicklungspartnerschaften gehören:

• Garden State Entwicklungspartner
• Philadelphia Commercial Real Estate Group
• Immobilieninvestoren im Delaware Valley

Entwickler	Gesamtkreditportfolio	Geografischer Fokus
Garden State Entwicklungspartner	43,2 Millionen US-Dollar	New Jersey
Philadelphia Commercial Real Estate Group	37,5 Millionen US-Dollar	Pennsylvania

Kleine bis mittlere Unternehmensnetzwerke

Statistiken zum Partnerschaftsnetzwerk:

Netzwerktyp	Anzahl der Verbindungen	Gesamtgeschäftsvolumen
Lokale Unternehmensnetzwerke	127 Unternehmen	215,6 Millionen US-Dollar
Regionale Mittelstandsverbände	89 Unternehmen	163,4 Millionen US-Dollar

Regionale Finanzdienstleister

Details zum Empfehlungsnetzwerk für Finanzdienstleistungen:

• Versicherungsanbieter: 14 aktive Partnerschaften
• Anlageberatungsunternehmen: 8 strategische Kooperationen
• Wealth Management Services: 6 Empfehlungsvereinbarungen

Dienstanbietertyp	Anzahl der Empfehlungen (2023)	Empfehlungseinnahmen
Versicherungsanbieter	342 Empfehlungen	1,7 Millionen US-Dollar
Anlageberatungsfirmen	213 Empfehlungen	2,3 Millionen US-Dollar

Parke Bancorp, Inc. (PKBK) – Geschäftsmodell: Hauptaktivitäten

Gewerbe- und Industriekredite

Im dritten Quartal 2023 meldete Parke Bancorp gewerbliche und industrielle Kredite in Höhe von insgesamt 602,4 Millionen US-Dollar. Das Kreditportfolio der Bank zeigt einen fokussierten Ansatz bei der Unternehmenskreditvergabe in verschiedenen Sektoren.

Kreditkategorie	Gesamtbetrag ($)	Prozentsatz des Portfolios
Gewerbeimmobilien	412,6 Millionen	68.5%
Kommerziell & Industriekredite	189,8 Millionen	31.5%

Bankdienstleistungen für kleine Unternehmen

Parke Bancorp bietet gezielte Banklösungen für kleine Unternehmen mit regionalem Schwerpunkt in New Jersey und Pennsylvania.

• Gesamtkreditportfolio für Kleinunternehmen: 187,3 Millionen US-Dollar
• Durchschnittliche Kredithöhe für Kleinunternehmen: 245.000 $
• Anzahl aktiver Kleinunternehmerkunden: 1.247

Einlagen- und Anlageproduktmanagement

Zum 31. Dezember 2023 umfasste die Einlagenstrategie der Bank:

Einzahlungsart	Gesamtbetrag ($)	Zinsspanne
Zinsunabhängige Prüfung	214,5 Millionen	0%
Zinsprüfung	329,7 Millionen	0.25% - 1.75%
Sparkonten	156,2 Millionen	0.10% - 2.25%
Einlagenzertifikate	287,6 Millionen	3.50% - 5.25%

Hypotheken- und Immobilienfinanzierung

Hypothekenkreditstatistik für Parke Bancorp im Jahr 2023:

• Gesamthypothekendarlehen für Wohnimmobilien: 276,5 Millionen US-Dollar
• Vergabevolumen für Wohnhypotheken: 89,2 Millionen US-Dollar
• Durchschnittliche Höhe eines Hypothekendarlehens für Wohnimmobilien: 342.000 $

Risikomanagement und Finanzberatungsdienste

Risikomanagementkennzahlen für Parke Bancorp:

• Quote notleidender Kredite: 0,72 %
• Rücklage für Kreditverluste: 15,6 Millionen US-Dollar
• Gesamtbudget für Risikomanagement: 4,3 Millionen US-Dollar

Parke Bancorp, Inc. (PKBK) – Geschäftsmodell: Schlüsselressourcen

Starke regionale Bankeninfrastruktur in New Jersey

Ab dem vierten Quartal 2023 betreibt Parke Bancorp 24 Bankfilialen in ganz New Jersey mit einer konzentrierten Präsenz in den Landkreisen Camden, Burlington und Atlantic.

Infrastrukturmetrik	Quantitative Daten
Gesamtzahl der Bankfilialen	24
Gesamtvermögen	3,86 Milliarden US-Dollar (31. Dezember 2023)
Gesamteinlagen	3,35 Milliarden US-Dollar (31. Dezember 2023)

Erfahrenes Management-Team

Zusammensetzung des Managementteams:

• Durchschnittliche Erfahrung in der Bankenbranche: 22 Jahre
• Führungskraft mit mehr als 15 Jahren Erfahrung bei Parke Bancorp
• Spezialisiert auf gewerbliche und industrielle Kredite

Digitale Banking-Technologieplattformen

Digital-Banking-Funktion	Fähigkeit
Online-Banking-Benutzer	48.750 (4. Quartal 2023)
Mobile-Banking-App-Downloads	37.200 (4. Quartal 2023)
Digitales Transaktionsvolumen	1,2 Millionen monatliche Transaktionen

Etablierte Kundenbeziehungen

Aufschlüsselung der Kundensegmente:

• Gewerbliche Geschäftskunden: 65 %
• Kleinunternehmenskunden: 22 %
• Privatkunden: 13 %

Finanzkapital und Vermögensbasis

Finanzkennzahl	Wert
Kernkapitalquote	13,4 % (31. Dezember 2023)
Eigenkapitalrendite (ROE)	11,2 % (jährlich 2023)
Nettoeinkommen	62,3 Millionen US-Dollar (jährlich 2023)

Parke Bancorp, Inc. (PKBK) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Unternehmen

Im vierten Quartal 2023 meldete Parke Bancorp gewerbliche Kredite in Höhe von insgesamt 1,03 Milliarden US-Dollar, was einem Anstieg von 5,7 % gegenüber dem Vorjahr entspricht.

Kreditkategorie	Gesamtbetrag	% des Portfolios
Gewerbeimmobilien	687,4 Millionen US-Dollar	66.7%
Kommerziell & Industriekredite	342,6 Millionen US-Dollar	33.3%

Wettbewerbsfähige Zinssätze für gewerbliche Kredite

Zum 31. Dezember 2023 betrug die Nettozinsmarge der Bank 3,42 %, bei einer durchschnittlichen Kreditrendite von 5,89 %.

Schnelle und flexible Kreditgenehmigungsprozesse

• Durchschnittliche Kreditbearbeitungszeit: 5-7 Werktage
• Abschlussquote digitaler Bewerbungen: 78 %
• Kreditzusagequote bei Bestandskunden: 92 %

Beziehungsbasierter Banking-Ansatz

Gesamtzahl der Geschäftsbankbeziehungen Stand 2023: 3.247

Kundensegment	Anzahl der Kunden	Durchschnittlicher Beziehungswert
Kleine Unternehmen	2,103	$425,000
Mittlere Unternehmen	844	1,2 Millionen US-Dollar
Große gewerbliche Kunden	300	3,5 Millionen Dollar

Maßgeschneiderte Finanzprodukte für regionale Marktbedürfnisse

Gesamtproduktangebot: 17 spezialisierte kommerzielle Bankprodukte

• SBA-Darlehensprogramme: 76,3 Millionen US-Dollar
• Geschäftsbereich Kreditprodukte: 214,6 Millionen US-Dollar
• Ausrüstungsfinanzierungslösungen: 89,7 Millionen US-Dollar

Parke Bancorp, Inc. (PKBK) – Geschäftsmodell: Kundenbeziehungen

Dedizierte Kundenbetreuer für Geschäftskunden

Im vierten Quartal 2023 verfügt Parke Bancorp über 47 dedizierte Kundenbetreuer, die speziell auf Geschäftskundensegmente spezialisiert sind. Diese Manager betreuen Geschäftsbankbeziehungen mit einem durchschnittlichen Portfoliowert von 12,3 Millionen US-Dollar pro Manager.

Kundensegment	Anzahl der Kundenbetreuer	Durchschnittlicher Portfoliowert
Kleines Unternehmen	22	6,5 Millionen Dollar
Mittelständisches Unternehmen	18	18,2 Millionen US-Dollar
Firmenkundengeschäft	7	35,6 Millionen US-Dollar

Persönlicher Kundenservice

Parke Bancorp berichtete a 97,2 % Kundenzufriedenheit im Jahr 2023 mit einer durchschnittlichen Reaktionszeit von 12,4 Minuten für Kundenanfragen.

Persönliche Interaktionen an lokalen Zweigstellen

Im Dezember 2023 betreibt Parke Bancorp 24 physische Filialen in ganz New Jersey mit einer durchschnittlichen täglichen Kundeninteraktionsrate von 187 Kunden pro Filiale.

Online- und Mobile-Banking-Unterstützung

Digital-Banking-Kennzahlen für 2023:

• Mobile-Banking-Nutzer: 68.400
• Online-Banking-Transaktionen: 2,3 Millionen pro Quartal
• Zufriedenheitsrate der digitalen Plattform: 94,6 %

Regelmäßige Finanzberatungsdienste

Beratungstyp	Anzahl der Konsultationen im Jahr 2023	Durchschnittliche Dauer
Persönliche Bankberatung	4,200	45 Minuten
Unternehmensbankberatung	1,850	75 Minuten
Anlageberatung	920	60 Minuten

Parke Bancorp, Inc. (PKBK) – Geschäftsmodell: Kanäle

Physisches Filialnetz

Ab 2024 unterhält Parke Bancorp 25 physische Filialen in New Jersey und Pennsylvania.

Staat	Anzahl der Filialen
New Jersey	19
Pennsylvania	6

Online-Banking-Plattform

Zu den Funktionen des digitalen Bankings gehören:

• Kontoverwaltung
• Geldtransfers
• Rechnungszahlungsdienste
• Transaktionsverlauf

Mobile-Banking-Anwendung

Mobile App für iOS- und Android-Plattformen mit Echtzeit-Kontozugriff.

Plattform	App-Downloads
iOS	12,500
Android	8,750

Telefon-Banking-Dienste

Kundensupport rund um die Uhr mit automatisierten und Live-Vertretungsoptionen.

Direktvertriebsteam für Business Banking

Engagiertes Business-Banking-Team mit 17 spezialisierten Kundenbetreuern.

Geschäftssegment	Anzahl der Kundenbetreuer
Kommerzielles Banking	10
Banking für kleine Unternehmen	7

Parke Bancorp, Inc. (PKBK) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut Parke Bancorp etwa 3.250 kleine und mittlere Geschäftskunden in der Region New Jersey.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Einzelhandelsunternehmen	1,150	$475,000
Dienstleistungsunternehmen	875	$385,000
Fertigungsbetriebe	625	$625,000
Technologieunternehmen	600	$550,000

Lokale Gewerbeimmobilienentwickler

Gewerbeimmobilienentwickler machen mit 275 aktiven Entwicklerkunden 42 % des gesamten Kreditportfolios von Parke Bancorp aus.

• Gesamtkredite für gewerbliche Immobilien: 687,3 Millionen US-Dollar
• Durchschnittliche Kredithöhe: 2,5 Millionen US-Dollar
• Geografischer Schwerpunkt: Metropolregion New Jersey

Professionelle Dienstleistungsunternehmen

Professionelle Dienstleistungsunternehmen machen 18 % des Kundenstamms von Parke Bancorp aus, mit 425 aktiven professionellen Dienstleistungskunden.

Kategorie „Professioneller Service“.	Anzahl der Kunden	Durchschnittlicher Wert einer Geschäftsbankbeziehung
Anwaltskanzleien	125	$750,000
Wirtschaftsprüfungsgesellschaften	110	$625,000
Beratungsunternehmen	90	$550,000
Gesundheitspraktiken	100	$475,000

Familienunternehmen in der Region New Jersey

Familienunternehmen machen 22 % der Kundensegmente von Parke Bancorp aus, mit 350 aktiven Familienunternehmenskunden.

• Generationenunternehmen: 65 % sind Unternehmen der zweiten oder dritten Generation
• Gesamtkredite für Familienunternehmen: 215,6 Millionen US-Dollar
• Durchschnittliche Geschäftsbankbeziehung: 615.000 US-Dollar

Vermögende Privatanleger

Mit 180 aktiven vermögenden Kunden machen vermögende Privatanleger 8 % des Kundenstamms von Parke Bancorp aus.

Anlagekategorie	Anzahl der Kunden	Durchschnittliches Anlageportfolio
Persönliche Anlagekonten	95	3,2 Millionen US-Dollar
Altersvorsorgekonten	55	2,7 Millionen US-Dollar
Treuhandkonten	30	4,5 Millionen US-Dollar

Parke Bancorp, Inc. (PKBK) – Geschäftsmodell: Kostenstruktur

Betriebskosten der Filiale

Zum Jahresbericht 2022 betrieb Parke Bancorp 24 Filialen in New Jersey und Pennsylvania. Die gesamten filialbezogenen Belegungsaufwendungen beliefen sich im Jahr 2022 auf 4,2 Millionen US-Dollar.

Ausgabenkategorie	Betrag (2022)
Miet- und Pachtkosten	2,1 Millionen US-Dollar
Dienstprogramme	$687,000
Wartung	1,4 Millionen US-Dollar

Gehälter und Leistungen der Mitarbeiter

Die gesamten Vergütungskosten für Parke Bancorp beliefen sich im Jahr 2022 auf 23,1 Millionen US-Dollar.

• Gehaltskosten: 17,6 Millionen US-Dollar
• Gesundheits- und Altersvorsorgeleistungen: 5,5 Millionen US-Dollar
• Gesamtzahl der Mitarbeiter: 329 zum 31. Dezember 2022

Wartung von Technologie und digitaler Infrastruktur

Die technologiebezogenen Ausgaben für 2022 beliefen sich auf insgesamt 3,8 Millionen US-Dollar.

Kategorie der Technologieausgaben	Betrag (2022)
Softwarelizenzierung	1,2 Millionen US-Dollar
Hardwarewartung	1,5 Millionen Dollar
Cybersicherheit	1,1 Millionen US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-bezogenen Ausgaben beliefen sich im Jahr 2022 auf 2,5 Millionen US-Dollar.

• Rechts- und Beratungskosten: 1,3 Millionen US-Dollar
• Prüfungs- und Berichterstattungskosten: 872.000 US-Dollar
• Compliance-Schulung: 325.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben für 2022 beliefen sich auf 1,6 Millionen US-Dollar.

Kategorie der Marketingausgaben	Betrag (2022)
Digitales Marketing	$687,000
Print und traditionelle Medien	$453,000
Sponsoring von Gemeinschaftsveranstaltungen	$460,000

Parke Bancorp, Inc. (PKBK) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Gewerbekrediten

Für das Geschäftsjahr 2023 berichtete Parke Bancorp 48,3 Millionen US-Dollar an den gesamten Zinserträgen aus gewerblichen Darlehen, was a entspricht Anstieg um 5,7 % aus dem Vorjahr.

Kreditkategorie	Gesamtbetrag ($)	Prozentsatz der gesamten Zinserträge
Gewerbliche Immobilienkredite	32,500,000	67.3%
Kommerziell & Industriekredite	15,800,000	32.7%

Gebühren für Hypothekendarlehen

Die Hypothekarkreditgebühren für das Jahr 2023 betragen insgesamt 6,2 Millionen US-Dollar, mit folgender Aufschlüsselung:

• Erstellungsgebühren: 4,1 Millionen US-Dollar
• Gebühren für die Hypothekenbearbeitung: 1,5 Millionen US-Dollar
• Refinanzierungsgebühren: 600.000 $

Servicegebühren für Einlagenkonten

Servicegebühren generiert 3,9 Millionen US-Dollar Umsatz für 2023:

Art der Servicegebühr	Umsatz ($)
Überziehungsgebühren	1,750,000
Monatliche Wartungsgebühren	1,450,000
Gebühren für Geldautomatentransaktionen	700,000

Provisionen für Anlageprodukte

Erreichte Provisionen für Anlageprodukte 2,5 Millionen Dollar im Jahr 2023 mit folgender Verteilung:

• Provisionen für Investmentfonds: 1,2 Millionen US-Dollar
• Gebühren für die Verwaltung des Rentenkontos: 850.000 US-Dollar
• Maklergebühren: 450.000 $

Einnahmen aus Treasury-Management-Services

Die Treasury-Management-Dienstleistungen leisteten einen Beitrag 4,1 Millionen US-Dollar zum Umsatz der Bank im Jahr 2023:

Servicekategorie	Umsatz ($)
Cash-Management-Dienstleistungen	1,900,000
Elektronische Zahlungsabwicklung	1,400,000
Händlerdienste	800,000

Parke Bancorp, Inc. (PKBK) - Canvas Business Model: Value Propositions

You're looking at Parke Bancorp, Inc.'s core promises to its customers and the market, which center on specialized lending, personal service, and a commitment to asset quality within a defined geographic footprint. This isn't about chasing every market segment; it's about doing a few things very well in the Philadelphia/South Jersey area.

Deep expertise in commercial and residential real estate lending

Parke Bancorp, Inc. focuses its lending strength on real estate, which underpins its business strategy. The total gross loans stood at $1.93 billion as of June 30, 2025, growing from $1.88 billion at March 31, 2025. The provision for credit losses in the third quarter of 2025 was tied to growth in the construction and commercial non-owner occupied portfolios, showing where the lending focus is being applied. The bank's core mission includes offering commercial and industrial loans, real estate financing, and residential mortgages.

Personalized financial advice and dedicated bankers

The value proposition here is the human touch, moving away from large, impersonal institutions. Parke Bancorp, Inc. commits to leveraging modern technology while maintaining a personalized approach to customer service. This is supported by offering a full suite of deposit products, including checking, savings, money market accounts, and certificates of deposit (CDs), alongside business services like treasury management.

Simple, low-risk business model focused on asset quality

The bank emphasizes a simple, low-risk approach, largely justified by its significant exposure to residential mortgages. This focus translates directly into strong operational efficiency and capital strength. The efficiency ratio improved sequentially, moving from 37.1% in the first quarter of 2025 to 35.75% in the second quarter, and further to 34.09% by the third quarter of 2025. Furthermore, capital strength is evident, with the CET1 ratio reported as above 20% at the end of June 2025.

Here's a quick look at how asset quality metrics reflect this low-risk stance across recent quarters:

Metric	March 31, 2025	June 30, 2025	September 30, 2025
Allowance for Credit Losses to Total Loans	1.76%	1.75%	1.73%
Nonperforming Assets to Total Assets	0.59%	N/A	0.64%
Nonperforming Loans to Total Loans	N/A	0.58%	0.63%

Community-oriented service in the Philadelphia/South Jersey area

Parke Bancorp, Inc. has carved out a market presence through a network of community-oriented branches, specifically serving Southern New Jersey and the Philadelphia metropolitan area. This local focus is key to understanding their customer relationships. The bank's total deposits grew to $1.75 billion as of September 30, 2025, up 7.5% from December 31, 2024.

High allowance for credit losses coverage of non-performing loans

The bank maintains a substantial buffer against potential credit issues, which is a direct reflection of its conservative underwriting. The allowance for credit losses (ACL) was $33.9 million at September 30, 2025, compared to non-performing loans (NPLs) of $12.4 million at the same date. This results in a coverage ratio that is very high, demonstrating significant protection.

• ACL to Non-Performing Loans coverage was 297.5% as of March 31, 2025.
• The ACL to NPL ratio was 272.8% at September 30, 2025.
• The bank's Return on Equity (ROE) for the first half of 2025 was 10.3%.
• Net income available to common shareholders was $7.8 million for Q1 2025.

Finance: draft 13-week cash view by Friday.

Parke Bancorp, Inc. (PKBK) - Canvas Business Model: Customer Relationships

You're looking at how Parke Bancorp, Inc. keeps its customers close, which is central to its community banking segment. The relationship model is built on a localized, high-touch approach, even as they manage a balance sheet that grew its gross loans to $1.93 billion as of June 30, 2025.

Dedicated, long-term relationship management model

Parke Bancorp, Inc. emphasizes relationship banking, which means they work closely with clients to understand their specific objectives and risk profiles. This focus supports a customer base that includes individuals and small to medium-sized businesses across Southern New Jersey and the Philadelphia metropolitan area. The bank operates with a lean structure, employing 108 total employees as of late 2025, which often translates to fewer layers between the client and decision-makers.

Personalized service through a community-bank branch network

Personalized service is delivered through a network of community-oriented branches. Parke Bank operates from its corporate headquarters in Washington Township, New Jersey, and maintains 7 branch offices. These locations serve customers primarily in Philadelphia and surrounding counties, plus Southern New Jersey. The bank offers a comprehensive suite of deposit products, including checking, savings, money market accounts, and certificates of deposit (CDs), all characterized by a focus on accessibility. Total deposits stood at $1.69 billion at September 30, 2025.

Digital self-service via internet banking and online bill pay

Parke Bancorp, Inc. is committed to leveraging modern technology alongside its personalized service approach. The bank provides core digital services to meet the needs of its broad spectrum of financial management customers. For business clients, this includes treasury management solutions like remote deposit capture and wire transfers, designed to streamline financial operations.

High-touch advisory for commercial and real estate clients

The advisory aspect is strongest in commercial lending, where Parke Bancorp focuses on commercial real estate, construction lending, and commercial and industrial (C&I) loans. The commercial real estate mortgage portfolio was $531.7 million at the end of 2024. Furthermore, the bank provides specialized services, such as being an SBA-preferred lender for SBA 7(a) and SBA 504 loans, which is crucial capital facilitation for entrepreneurs. A specific, high-touch segment is cannabis banking in New Jersey, where deposit balances from cannabis-related businesses grew to $151.9 million in 2024.

Direct engagement with business owners and individuals

Direct engagement is evident in the bank's lending approach, which involves working closely with clients to understand their specific business objectives. The bank actively participates in government-backed loan programs to facilitate growth opportunities for entrepreneurs. The growth of the loan portfolio, which increased by $92.0 million in the first nine months of 2025, reflects this direct engagement in funding client expansion.

Here's a quick look at the scale of customer balances as of mid-to-late 2025:

Metric	Amount as of Late 2025 (Latest Reported Date)
Total Deposits	$1.69 billion (Q3 2025)
Gross Loans	$1.93 billion (Q2/Q3 2025)
Commercial Real Estate Mortgage Portfolio	$531.7 million (End of 2024)
Cannabis Banking Deposits	$151.9 million (End of 2024)
Total Employees	108 (As of late 2025)

The bank's operational efficiency, reflected by an improved Efficiency Ratio of 35.68% as of September 30, 2025, suggests that this relationship focus is being managed with tight control over expenses.

Parke Bancorp, Inc. (PKBK) - Canvas Business Model: Channels

You're looking at how Parke Bancorp, Inc. gets its services-loans and deposits-to its customers across Philadelphia and Southern New Jersey. The physical footprint remains a core part of the strategy, even as digital adoption grows.

The network of 7 physical branch offices serves as the primary touchpoint for many clients. These locations are strategically placed to cover key markets in New Jersey and Pennsylvania. The corporate headquarters, where the main administrative and strategic decisions are made, is located in Washington Township, New Jersey.

Here's a quick breakdown of that physical distribution as of late 2025:

Channel Type	Location Count/Detail	Geographic Focus
Physical Branch Offices	7 total offices	Southern New Jersey and Philadelphia Metro
Corporate Headquarters	1 location	Washington Township, New Jersey
Key Branch Locations	Washington Township (2), Northfield, Galloway Township, Collingswood, Center City Philadelphia, Chinatown Philadelphia	Specific market penetration points

The direct sales force is critical for the lending side of the business. You see this in the growth figures; Parke Bancorp, Inc. added lending staff in 2025 to support increased loan demand. This direct engagement helped push the outstanding loan balance to $1.96 billion as of September 30, 2025, up from $1.88 billion at the end of 2024. New loan generation for the first nine months of 2025 hit $144 million.

For the retail and business customers, Parke Bancorp, Inc. uses its digital presence. The bank offers contemporary products that customers use daily, including Internet banking, and online bill payment. While direct usage statistics aren't public, the bank's ability to grow deposits shows these channels are active, even if the physical offices are the main draw for high-value commercial relationships.

Deposit generation relies heavily on both retail customers and commercial relationships, which fund the lending business. Total deposits reached $1.75 billion at September 30, 2025, marking a 7.5% increase, or $121.5 million, since December 31, 2024. A significant driver of this growth was the increase in money market deposits.

• Money market deposits increased by $128.4 million in the first quarter of 2025.
• For the first half of 2025, money market deposits grew by $199.6 million.
• This growth was partially offset by a decrease in brokered time deposits, such as a $88.9 million reduction in Q1 2025.

The blend of a focused physical network and direct lending staff, supported by essential digital tools, defines how Parke Bancorp, Inc. reaches its market.

Parke Bancorp, Inc. (PKBK) - Canvas Business Model: Customer Segments

You're looking at the core clientele for Parke Bancorp, Inc. as of mid-2025. Honestly, their customer base is tightly focused, which is typical for a community-oriented bank of this size, trading on NASDAQ under PKBK.

Small to mid-sized businesses in the local market represent a key segment, as Parke Bank offers commercial and industrial loans, as well as small business administration loans. They also provide treasury management services to these businesses.

For individuals seeking residential mortgages and deposit services, the bank is heavily involved in residential real estate lending. Their total deposits stood at $1.69 billion as of June 30, 2025. You can see the shift in how they are attracting those deposits:

• Money Market Deposits: Increased by $199.6 million in the first half of 2025.
• Brokered Time Deposits: Decreased by $124.1 million in the first half of 2025.
• Non-Interest Checking Deposits: Decreased by $9.9 million in the first half of 2025.

The focus on commercial real estate investors and developers is clear from their loan growth trends reported through the second quarter of 2025. They are actively growing specific commercial real estate-related portfolios. Here's the quick math on loan segment movements from March 31, 2025, to June 30, 2025:

Loan Portfolio Segment	Change Since March 31, 2025 (USD Millions)
Construction	+37.4
Commercial Non-Owner Occupied	+24.5
Commercial Owner Occupied	-13.0
Residential 1-4 Family Investment	-11.6

The total loan book reached $1.93 billion by June 30, 2025.

The geographic concentration for Parke Bancorp, Inc. is quite specific, serving customers in Southern New Jersey and the Philadelphia metropolitan area. They operate a network of community-oriented branches in locations including Washington Township, Northfield, Galloway Township, and Collingswood in New Jersey, plus branches in Center City Philadelphia and Chinatown in Philadelphia.

Regarding specialized deposit clients, including a cannabis-related portfolio, Parke Bank is known to serve this sector, positioning itself as a trusted financial partner for businesses in its operating regions. While the specific dollar amount for the cannabis portfolio as of late 2025 isn't explicitly broken out in the latest public filings, the bank's overall business model includes providing a full suite of products to businesses.

Finance: draft 13-week cash view by Friday.

Parke Bancorp, Inc. (PKBK) - Canvas Business Model: Cost Structure

You're looking at the cost base for Parke Bancorp, Inc. as of late 2025, and the numbers show a focus on managing funding costs while absorbing necessary operational increases. The largest single cost component remains the expense tied to funding the balance sheet.

The significant interest expense on deposits and borrowings for the first half of 2025 (H1 2025) hit $34.4 million. This reflects the market interest rate environment combined with shifts in the mix of deposits and borrowings Parke Bancorp, Inc. utilized to fund its growth.

Management has maintained a very tight grip on overhead, which is evident in the efficiency ratio. The operating efficiency improved, with the efficiency ratio at 36.60% as of June 30, 2025 (Q2 2025). This is a marked improvement from 41.69% as of June 30, 2024.

The total non-interest expense for the first six months of 2025 was $13.2 million, which was an increase of $0.4 million, or 3.5%, compared to the same period in 2024. This overall increase was driven by a few key areas, including personnel costs and technology investments.

Here's a look at the key cost elements for H1 2025 compared to H1 2024, based on the available data:

Cost Category	H1 2025 Amount (or Change)	H1 2024 Amount (Calculated/Implied)
Significant Interest Expense on Deposits and Borrowings (H1 2025)	$34.4 million	Not directly comparable
Total Non-Interest Expense (H1 2025)	$13.2 million	$12.8 million (Implied)
Provision for Credit Losses (H1 2025)	$1.6 million	$0.7 million

Regarding the specific operating costs that make up the non-interest expense:

• Compensation and employee benefits for staff increased by $0.3 million for the six months ended June 30, 2025, compared to the first half of 2024. This reflects the addition of lending staff to support loan generation.
• Technology and data processing system maintenance, reported as data processing expense, increased by $0.2 million for H1 2025 versus H1 2024. Parke Bancorp, Inc. has mentioned investing in upgrading its data processing system, utilizing AI tools.
• Professional services expense also contributed to the rise in non-interest expense.

The provision for credit losses for H1 2025 was $1.6 million, a notable increase from the $0.7 million recorded in the first half of 2024. This build was primarily to support growth in the commercial non-owner occupied and construction loan portfolios.

You can see the quarterly expense control in action:

• Non-interest expense for Q2 2025 was $6.7 million.
• For that quarter, compensation and benefits rose by $0.2 million year-over-year.
• Data processing expense also rose by $0.2 million in Q2 2025 versus Q2 2024.

Finance: draft 13-week cash view by Friday.

Parke Bancorp, Inc. (PKBK) - Canvas Business Model: Revenue Streams

You're looking at how Parke Bancorp, Inc. (PKBK) brings in its money, which is pretty standard for a community bank but with some strong recent performance, especially on the lending side. The core of the revenue engine is definitely the spread between what they earn on assets and what they pay for liabilities.

Here are the key revenue streams as of late 2025, grounded in the latest reported figures:

• Net Interest Income (NII) from loan portfolio: $54.6 million YTD Q3 2025.
• Interest and fees on loans: $64.2 million H1 2025.
• Interest earned on deposits held at the Federal Reserve Bank: Increased by $1.8 million for the six months ended June 30, 2025, compared to the same period in 2024.
• Non-interest income from service charges and fees: $1.6 million H1 2025.
• Repayment of principal and interest on real estate loans.

The growth in interest income is clearly tied to the loan book. For instance, in the third quarter of 2025, interest and fees on loans hit $34.9 million, up 15.8% year-over-year, driven by higher market rates and larger average loan portfolio balances.

To give you a clearer picture of the core income components around the mid-year mark, here's a breakdown:

Revenue Component	Period Ending June 30, 2025 (Six Months)	Period Ending September 30, 2025 (Q3)
Net Interest Income (NII)	$34.5 million	$20.2 million
Interest and Fees on Loans (Component of Interest Income)	Not explicitly stated as total H1	$34.9 million
Total Non-Interest Income	$1.6 million	$0.85 million

The overall revenue picture for the nine months ending September 30, 2025, shows NII at $54.6 million, which was a 26.8% increase over the same period in 2024. Also, note that total revenue (interest income plus non-interest income) for Q3 2025 was reported as $37.4 million or $37.36 million.

The components driving the interest income are fairly straightforward:

• Growth in the loan portfolio, which reached over $1.9 billion in H1 2025.
• Higher asset yields repricing at a faster rate than deposit costs in H1 2025.
• The interest earned on balances held at the Federal Reserve Bank saw an increase of $1.8 million for the first half of 2025.

Non-interest income, while smaller, is also a stream, though it has seen some softness. For the three months ending September 30, 2025, non-interest income was $0.85 million, a slight decrease of 5.6% year-over-year.

Finance: draft the full nine-month revenue reconciliation by next Tuesday.