Parke Bancorp, Inc. (PKBK): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el plan estratégico de Parke Bancorp, Inc. (PKBK), una potencia bancaria regional que transforma los servicios financieros tradicionales a través de un modelo de negocio meticulosamente elaborado. Este enfoque innovador aprovecha las profundas ideas del mercado local, las tecnologías digitales de vanguardia y un compromiso centrado en el láser de servir a empresas pequeñas a medianas en Nueva Jersey y Pensilvania. Al combinar la banca de relaciones personalizadas con soluciones financieras flexibles, PKBK ha forjado un nicho distintivo en el panorama bancario competitivo, ofreciendo a los empresarios y las empresas locales una propuesta de valor única que va mucho más allá de los servicios bancarios convencionales.

Parke Bancorp, Inc. (PKBK) - Modelo de negocios: asociaciones clave

Asociaciones comerciales locales y cámaras de comercio

A partir de 2024, Parke Bancorp mantiene asociaciones con las siguientes asociaciones comerciales locales:

Nombre de la asociación	Ubicación	Estado de membresía
Asociación de Banqueros de Nueva Jersey	Princeton, NJ	Miembro activo
Asociación de Banqueros de Pensilvania	Harrisburg, PA	Miembro activo

Desarrolladores de bienes raíces comerciales

Las asociaciones clave de desarrollo inmobiliario incluyen:

• Garden State Development Partners
• Filadelfia Grupo de bienes raíces comerciales
• Inversores de propiedades de Delaware Valley

Revelador	Cartera de préstamos totales	Enfoque geográfico
Garden State Development Partners	$ 43.2 millones	Nueva Jersey
Filadelfia Grupo de bienes raíces comerciales	$ 37.5 millones	Pensilvania

Redes comerciales pequeñas a medianas

Estadísticas de red de asociación:

Tipo de red	Número de conexiones	Volumen empresarial total
Redes comerciales locales	127 negocios	$ 215.6 millones
Asociaciones de PYME regionales	89 negocios	$ 163.4 millones

Proveedores de servicios financieros regionales

Detalles de la red de referencia del servicio financiero:

• Proveedores de seguros: 14 asociaciones activas
• Empresas de asesoramiento de inversiones: 8 colaboraciones estratégicas
• Servicios de gestión de patrimonio: 6 acuerdos de referencia

Tipo de proveedor de servicios	Número de referencias (2023)	Ingreso de referencia
Proveedores de seguros	342 referencias	$ 1.7 millones
Empresas de asesoramiento de inversiones	213 referencias	$ 2.3 millones

Parke Bancorp, Inc. (PKBK) - Modelo de negocio: actividades clave

Préstamos comerciales e industriales

A partir del tercer trimestre de 2023, Parke Bancorp informó préstamos comerciales e industriales totales de $ 602.4 millones. La cartera de préstamos del banco demuestra un enfoque enfocado para los préstamos comerciales en varios sectores.

Categoría de préstamo	Monto total ($)	Porcentaje de cartera
Inmobiliario comercial	412.6 millones	68.5%
Comercial & Préstamos industriales	189.8 millones	31.5%

Servicios bancarios de pequeñas empresas

Parke Bancorp ofrece soluciones bancarias de pequeñas empresas específicas con un enfoque regional en Nueva Jersey y Pensilvania.

• Cartera total de préstamos para pequeñas empresas: $ 187.3 millones
• Tamaño promedio del préstamo para pequeñas empresas: $ 245,000
• Número de clientes activos de pequeñas empresas: 1,247

Gestión de productos de depósito e inversión

Al 31 de diciembre de 2023, la estrategia de depósito del banco incluía:

Tipo de depósito	Monto total ($)	Rango de tasas de interés
Verificación de no interés	214.5 millones	0%
Verificación de intereses	329.7 millones	0.25% - 1.75%
Cuentas de ahorro	156.2 millones	0.10% - 2.25%
Certificados de depósito	287.6 millones	3.50% - 5.25%

Financiación hipotecaria y de bienes raíces

Estadísticas de préstamos hipotecarios para Parke Bancorp en 2023:

• Préstamos hipotecarios residenciales totales: $ 276.5 millones
• Volumen de origen de la hipoteca residencial: $ 89.2 millones
• Tamaño promedio del préstamo hipotecario residencial: $ 342,000

Gestión de riesgos y servicios de asesoramiento financiero

Métricas de gestión de riesgos para Parke Bancorp:

• Ratio de préstamo sin rendimiento: 0.72%
• Reserva de pérdida de préstamos: $ 15.6 millones
• Presupuesto total de gestión de riesgos: $ 4.3 millones

Parke Bancorp, Inc. (PKBK) - Modelo de negocio: recursos clave

Infraestructura bancaria regional fuerte en Nueva Jersey

A partir del cuarto trimestre de 2023, Parke Bancorp opera 24 oficinas bancarias en Nueva Jersey con una presencia concentrada en los condados de Camden, Burlington y Atlantic.

Infraestructura métrica	Datos cuantitativos
Oficinas bancarias totales	24
Activos totales	$ 3.86 mil millones (31 de diciembre de 2023)
Depósitos totales	$ 3.35 mil millones (31 de diciembre de 2023)

Equipo de gestión experimentado

Composición del equipo de gestión:

• Experiencia de la industria bancaria promedio: 22 años
• Liderazgo ejecutivo con más de 15 años en Parke Bancorp
• Especializado en préstamos comerciales e industriales

Plataformas de tecnología de banca digital

Función de banca digital	Capacidad
Usuarios bancarios en línea	48,750 (cuarto trimestre 2023)
Descargas de aplicaciones de banca móvil	37,200 (cuarto trimestre 2023)
Volumen de transacción digital	1,2 millones de transacciones mensuales

Relaciones establecidas de clientes

Desglose del segmento de clientes:

• Clientes comerciales comerciales: 65%
• Pequeños clientes: 22%
• Clientes bancarios personales: 13%

Capital financiero y base de activos

Métrica financiera	Valor
Relación de capital de nivel 1	13.4% (31 de diciembre de 2023)
Regreso sobre la equidad (ROE)	11.2% (2023 anual)
Lngresos netos	$ 62.3 millones (2023 anual)

Parke Bancorp, Inc. (PKBK) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas locales

A partir del cuarto trimestre de 2023, Parke Bancorp informó préstamos comerciales totales de $ 1.03 mil millones, lo que representa un aumento del 5.7% respecto al año anterior.

Categoría de préstamo	Cantidad total	% de cartera
Inmobiliario comercial	$ 687.4 millones	66.7%
Comercial & Préstamos industriales	$ 342.6 millones	33.3%

Tasas de interés competitivas para préstamos comerciales

Al 31 de diciembre de 2023, el margen de interés neto del banco era de 3.42%, con un rendimiento promedio de préstamo de 5.89%.

Procesos de aprobación de préstamos rápidos y flexibles

• Tiempo promedio de procesamiento de préstamos: 5-7 días hábiles
• Tasa de finalización de la aplicación digital: 78%
• Tasa de aprobación de préstamos para clientes existentes: 92%

Enfoque bancario basado en relaciones

Número total de relaciones bancarias comerciales a partir de 2023: 3,247

Segmento de clientes	Número de clientes	Valor de relación promedio
Pequeñas empresas	2,103	$425,000
Empresas medianas	844	$ 1.2 millones
Grandes clientes comerciales	300	$ 3.5 millones

Productos financieros personalizados para necesidades regionales del mercado

Ofertas de productos totales: 17 productos de banca comercial especializados

• Programas de préstamos de la SBA: $ 76.3 millones
• Línea comercial de productos de crédito: $ 214.6 millones
• Soluciones de financiamiento de equipos: $ 89.7 millones

Parke Bancorp, Inc. (PKBK) - Modelo de negocios: relaciones con los clientes

Gerentes de relaciones dedicadas para clientes comerciales

A partir del cuarto trimestre de 2023, Parke Bancorp mantiene 47 gerentes de relaciones dedicados asignados específicamente a segmentos de clientes comerciales. Estos gerentes supervisan las relaciones de banca comercial con un valor de cartera promedio de $ 12.3 millones por gerente.

Segmento de clientes	Número de gerentes de relaciones	Valor de cartera promedio
Pequeño negocio	22	$ 6.5 millones
Enterprise del mercado medio	18	$ 18.2 millones
Banca corporativa	7	$ 35.6 millones

Servicio al cliente personalizado

Parke Bancorp informó un 97.2% Tasa de satisfacción del cliente En 2023, con un tiempo de respuesta promedio de 12.4 minutos para consultas de los clientes.

Interacciones cara a cara en ubicaciones de sucursales locales

A partir de diciembre de 2023, Parke Bancorp opera 24 ubicaciones de sucursales físicas en Nueva Jersey, con una tasa promedio de interacción diaria del cliente de 187 clientes por sucursal.

Soporte bancario en línea y móvil

Métricas de banca digital para 2023:

• Usuarios de banca móvil: 68,400
• Transacciones bancarias en línea: 2.3 millones por trimestre
• Tasa de satisfacción de la plataforma digital: 94.6%

Servicios de consulta financiera regular

Tipo de consulta	Número de consultas en 2023	Duración promedio
Consulta bancaria personal	4,200	45 minutos
Consulta bancaria de negocios	1,850	75 minutos
Aviso de inversión	920	60 minutos

Parke Bancorp, Inc. (PKBK) - Modelo de negocio: canales

Red de sucursales físicas

A partir de 2024, Parke Bancorp mantiene 25 ubicaciones de sucursales físicas en Nueva Jersey y Pensilvania.

Estado	Número de ramas
Nueva Jersey	19
Pensilvania	6

Plataforma bancaria en línea

Las características bancarias digitales incluyen:

• Gestión de cuentas
• Transferencias de fondos
• Servicios de pago de facturas
• Historial de transacciones

Aplicación de banca móvil

Aplicación móvil disponible para plataformas iOS y Android con acceso a cuentas en tiempo real.

Plataforma	Descargas de aplicaciones
iOS	12,500
Androide	8,750

Servicios de banca telefónica

Atención al cliente 24/7 con opciones automatizadas y representativas en vivo.

Equipo de ventas directas para banca comercial

Equipo de banca de negocios dedicado con 17 gerentes de relaciones especializadas.

Segmento de negocios	Número de gerentes de relaciones
Banca comercial	10
Banca de pequeñas empresas	7

Parke Bancorp, Inc. (PKBK) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, Parke Bancorp atiende a aproximadamente 3.250 clientes comerciales pequeños a medianos en la región de Nueva Jersey.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
Negocios minoristas	1,150	$475,000
Empresas de servicios	875	$385,000
Negocios manufactureros	625	$625,000
Empresas tecnológicas	600	$550,000

Desarrolladores de bienes raíces comerciales locales

Los desarrolladores de bienes raíces comerciales representan el 42% de la cartera de préstamos totales de Parke Bancorp, con 275 clientes de desarrolladores activos.

• Préstamos inmobiliarios comerciales totales: $ 687.3 millones
• Tamaño promedio del préstamo: $ 2.5 millones
• Enfoque geográfico: área metropolitana de Nueva Jersey

Empresas de servicios profesionales

Las empresas de servicios profesionales constituyen el 18% de la base de clientes de Parke Bancorp, con 425 clientes activos de servicio profesional.

Categoría de servicio profesional	Número de clientes	Valor de relación bancaria promedio de negocios
Firma legal	125	$750,000
Firmas de contabilidad	110	$625,000
Empresas consultoras	90	$550,000
Prácticas de atención médica	100	$475,000

Empresas familiares en la región de Nueva Jersey

Las empresas familiares representan el 22% de los segmentos de clientes de Parke Bancorp, con 350 clientes de negocios familiares activos.

• Negocios generacionales: el 65% son empresas de segunda o tercera generación
• Préstamo total de negocios familiares: $ 215.6 millones
• Relación de banca comercial promedio: $ 615,000

Inversores individuales de alto nivel de red

Los inversores individuales de alto patrimonio de la red representan el 8% de la base de clientes de Parke Bancorp, con 180 clientes activos de alto nivel de red de red.

Categoría de inversión	Número de clientes	Cartera de inversiones promedio
Cuentas de inversión personal	95	$ 3.2 millones
Cuentas de jubilación	55	$ 2.7 millones
Cuentas de confianza	30	$ 4.5 millones

Parke Bancorp, Inc. (PKBK) - Modelo de negocio: Estructura de costos

Gastos de operación de rama

A partir del informe anual de 2022, Parke Bancorp operaba 24 sucursales en Nueva Jersey y Pensilvania. Los gastos de ocupación totales relacionados con las sucursales fueron de $ 4.2 millones en 2022.

Categoría de gastos	Cantidad (2022)
Costos de alquiler y arrendamiento	$ 2.1 millones
Utilidades	$687,000
Mantenimiento	$ 1.4 millones

Salarios y beneficios de los empleados

Los gastos de compensación total para Parke Bancorp en 2022 fueron de $ 23.1 millones.

• Gastos salariales: $ 17.6 millones
• Beneficios de atención médica y jubilación: $ 5.5 millones
• Total de empleados: 329 al 31 de diciembre de 2022

Tecnología y mantenimiento de infraestructura digital

Los gastos relacionados con la tecnología para 2022 totalizaron $ 3.8 millones.

Categoría de gastos tecnológicos	Cantidad (2022)
Licencia de software	$ 1.2 millones
Mantenimiento de hardware	$ 1.5 millones
Ciberseguridad	$ 1.1 millones

Costos de cumplimiento regulatorio

Los gastos relacionados con el cumplimiento para 2022 fueron de $ 2.5 millones.

• Tarifas legales y de consultoría: $ 1.3 millones
• Gastos de auditoría e informes: $ 872,000
• Capacitación de cumplimiento: $ 325,000

Gastos de marketing y adquisición de clientes

Los gastos de marketing para 2022 ascendieron a $ 1.6 millones.

Categoría de gastos de marketing	Cantidad (2022)
Marketing digital	$687,000
Impresión y medios tradicionales	$453,000
Patrocinios de eventos comunitarios	$460,000

Parke Bancorp, Inc. (PKBK) - Modelo de negocio: flujos de ingresos

Ingresos por intereses de préstamos comerciales

Para el año fiscal 2023, Parke Bancorp informó $ 48.3 millones En ingresos de intereses totales de préstamos comerciales, que representan un Aumento del 5,7% del año anterior.

Categoría de préstamo	Monto total ($)	Porcentaje de ingresos por intereses totales
Préstamos inmobiliarios comerciales	32,500,000	67.3%
Comercial & Préstamos industriales	15,800,000	32.7%

Tarifas de préstamos hipotecarios

Las tarifas de préstamo hipotecario para 2023 totalizaron $ 6.2 millones, con el siguiente desglose:

• Tarifas de origen: $ 4.1 millones
• Tarifas de servicios hipotecarios: $ 1.5 millones
• Tarifas de refinanciación: $ 600,000

Cargos de servicio en cuentas de depósito

CARGOS DE SERVICIO Generados $ 3.9 millones en ingresos para 2023:

Tipo de carga de servicio	Ingresos ($)
Tarifas de sobregiro	1,750,000
Tarifas de mantenimiento mensuales	1,450,000
Tarifas de transacción de cajeros automáticos	700,000

Comisiones de productos de inversión

Comisiones de productos de inversión alcanzados $ 2.5 millones En 2023, con la siguiente distribución:

• Comisiones de fondos mutuos: $ 1.2 millones
• Tarifas de administración de cuentas de jubilación: $ 850,000
• Tarifas de servicio de corretaje: $ 450,000

Ingresos del Servicio de Gestión del Tesoro

Servicios de gestión del tesoro contribuidos $ 4.1 millones a los ingresos del banco en 2023:

Categoría de servicio	Ingresos ($)
Servicios de gestión de efectivo	1,900,000
Procesamiento de pagos electrónicos	1,400,000
Servicios comerciales	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.