Parke Bancorp, Inc. (PKBK): Business Model Canvas [Jan-2025 Mise à jour]

Plongez dans le plan stratégique de Parke Bancorp, Inc. (PKBK), une puissance bancaire régionale qui transforme les services financiers traditionnels grâce à un modèle commercial méticuleusement conçu. Cette approche innovante tire parti des informations sur le marché local profond, des technologies numériques de pointe et un engagement axé sur le laser à servir de petites à des entreprises de taille moyenne du New Jersey et de la Pennsylvanie. En mélangeant la banque de relations personnalisées avec des solutions financières flexibles, PKBK a taillé un créneau distinctif dans le paysage bancaire compétitif, offrant aux entrepreneurs et aux entreprises locales une proposition de valeur unique qui va bien au-delà des services bancaires conventionnels.

Parke Bancorp, Inc. (PKBK) - Modèle commercial: partenariats clés

Associations commerciales locales et chambres de commerce

En 2024, Parke Bancorp maintient des partenariats avec les associations commerciales locales suivantes:

Nom d'association	Emplacement	Statut d'adhésion
Association des banquiers du New Jersey	Princeton, NJ	Membre actif
PENNSYLVANIA Bankers Association	Harrisburg, PA	Membre actif

Promoteurs immobiliers commerciaux

Les principales partenariats de développement immobilier comprennent:

• Partenaires de développement de Garden State
• Groupe immobilier commercial de Philadelphie
• Investisseurs immobiliers du Delaware Valley

Promoteur	Portefeuille de prêts totaux	Focus géographique
Partenaires de développement de Garden State	43,2 millions de dollars	New Jersey
Groupe immobilier commercial de Philadelphie	37,5 millions de dollars	Pennsylvanie

Réseaux commerciaux de petite à moyenne

Statistiques du réseau de partenariat:

Type de réseau	Nombre de connexions	Volume commercial total
Réseaux d'entreprise locaux	127 entreprises	215,6 millions de dollars
Associations régionales PME	89 entreprises	163,4 millions de dollars

Fournisseurs de services financiers régionaux

Détails du réseau de référence du service financier:

• Fournisseurs d'assurance: 14 partenariats actifs
• Sociétés de conseil en investissement: 8 collaborations stratégiques
• Services de gestion de la patrimoine: 6 accords de référence

Type de fournisseur de services	Nombre de références (2023)	Revenus de référence
Assureurs	342 références	1,7 million de dollars
Sociétés de conseil en investissement	213 références	2,3 millions de dollars

Parke Bancorp, Inc. (PKBK) - Modèle d'entreprise: Activités clés

Prêts commerciaux et industriels

Au troisième trimestre 2023, Parke Bancorp a déclaré un total de prêts commerciaux et industriels de 602,4 millions de dollars. Le portefeuille de prêts de la banque démontre une approche ciblée des prêts commerciaux dans divers secteurs.

Catégorie de prêt	Montant total ($)	Pourcentage de portefeuille
Immobilier commercial	412,6 millions	68.5%
Commercial & Prêts industriels	189,8 millions	31.5%

Services bancaires aux petites entreprises

Parke Bancorp fournit des solutions bancaires de petites entreprises ciblées avec un accent régional dans le New Jersey et la Pennsylvanie.

• Portfolio total de prêts aux petites entreprises: 187,3 millions de dollars
• Taille moyenne des prêts aux petites entreprises: 245 000 $
• Nombre de clients de petites entreprises actives: 1 247

Gestion des produits de dépôt et d'investissement

Au 31 décembre 2023, la stratégie de dépôt de la banque comprenait:

Type de dépôt	Montant total ($)	Fourchette de taux d'intérêt
Vérification sans intérêt	214,5 millions	0%
Vérification des intérêts	329,7 millions	0.25% - 1.75%
Comptes d'épargne	156,2 millions	0.10% - 2.25%
Certificats de dépôt	287,6 millions	3.50% - 5.25%

Hypothèque et financement immobilier

Statistiques de prêt hypothécaire pour Parke Bancorp en 2023:

• Prêts hypothécaires résidentiels totaux: 276,5 millions de dollars
• Volume d'origine hypothécaire résidentiel: 89,2 millions de dollars
• Taille moyenne du prêt hypothécaire résidentiel: 342 000 $

Gestion des risques et services de conseil financier

Métriques de gestion des risques pour Parke Bancorp:

• Ratio de prêt non performant: 0,72%
• Réserve de perte de prêt: 15,6 millions de dollars
• Budget total de gestion des risques: 4,3 millions de dollars

Parke Bancorp, Inc. (PKBK) - Modèle commercial: Ressources clés

Solide infrastructure bancaire régionale dans le New Jersey

Depuis le quatrième trimestre 2023, Parke Bancorp exploite 24 bureaux bancaires dans le New Jersey avec une présence concentrée dans les comtés de Camden, Burlington et Atlantic.

Métrique d'infrastructure	Données quantitatives
Total des bureaux bancaires	24
Actif total	3,86 milliards de dollars (31 décembre 2023)
Dépôts totaux	3,35 milliards de dollars (31 décembre 2023)

Équipe de gestion expérimentée

Composition de l'équipe de gestion:

• Expérience moyenne de l'industrie bancaire: 22 ans
• Leadership exécutif avec plus de plus de 15 ans à Parke Bancorp
• Spécialisé dans les prêts commerciaux et industriels

Plateformes de technologie bancaire numérique

Fonctionnalité bancaire numérique	Capacité
Utilisateurs de la banque en ligne	48 750 (Q4 2023)
Téléchargements d'applications bancaires mobiles	37 200 (Q4 2023)
Volume de transaction numérique	1,2 million de transactions mensuelles

Relations clients établies

Répartition du segment de la clientèle:

• Clients commerciaux commerciaux: 65%
• Clients des petites entreprises: 22%
• Clients bancaires personnels: 13%

Capital financier et base d'actifs

Métrique financière	Valeur
Ratio de capital de niveau 1	13,4% (31 décembre 2023)
Retour sur l'équité (ROE)	11,2% (2023 annuel)
Revenu net	62,3 millions de dollars (2023 annuels)

Parke Bancorp, Inc. (PKBK) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les entreprises locales

Au quatrième trimestre 2023, Parke Bancorp a déclaré un total de prêts commerciaux de 1,03 milliard de dollars, ce qui représente une augmentation de 5,7% par rapport à l'année précédente.

Catégorie de prêt	Montant total	% du portefeuille
Immobilier commercial	687,4 millions de dollars	66.7%
Commercial & Prêts industriels	342,6 millions de dollars	33.3%

Taux d'intérêt concurrentiels pour les prêts commerciaux

Au 31 décembre 2023, la marge nette des intérêts de la banque était de 3,42%, avec un rendement moyen de prêt de 5,89%.

Processus d'approbation des prêts rapides et flexibles

• Temps de traitement des prêts moyens: 5-7 jours ouvrables
• Taux d'achèvement de l'application numérique: 78%
• Taux d'approbation du prêt pour les clients existants: 92%

Approche bancaire basée sur les relations

Nombre total de relations bancaires d'entreprise en 2023: 3 247

Segment de clientèle	Nombre de clients	Valeur de relation moyenne
Petites entreprises	2,103	$425,000
Entreprises moyennes	844	1,2 million de dollars
Grands clients commerciaux	300	3,5 millions de dollars

Produits financiers sur mesure pour les besoins du marché régional

Offres de produits totaux: 17 produits bancaires commerciaux spécialisés

• Programmes de prêt SBA: 76,3 millions de dollars
• Ligne de crédit commerciale: 214,6 millions de dollars
• Solutions de financement de l'équipement: 89,7 millions de dollars

Parke Bancorp, Inc. (PKBK) - Modèle d'entreprise: relations avec les clients

Gestionnaires de relations dédiés pour les clients commerciaux

Depuis le quatrième trimestre 2023, Parke Bancorp maintient 47 gestionnaires de relations dédiés spécifiquement affectés aux segments de clients commerciaux. Ces gestionnaires supervisent les relations bancaires commerciales avec une valeur de portefeuille moyenne de 12,3 millions de dollars par gestionnaire.

Segment de clientèle	Nombre de gestionnaires de relations	Valeur de portefeuille moyenne
Petite entreprise	22	6,5 millions de dollars
Entreprise intermédiaire	18	18,2 millions de dollars
Banque commerciale	7	35,6 millions de dollars

Service client personnalisé

Parke Bancorp a rapporté un Taux de satisfaction du client de 97,2% en 2023, avec un temps de réponse moyen de 12,4 minutes pour les demandes des clients.

Interactions en face à face dans les succursales locales

En décembre 2023, Parke Bancorp exploite 24 emplacements de succursales physiques dans le New Jersey, avec un taux d'interaction quotidien moyen de 187 clients par succursale.

Assistance bancaire en ligne et mobile

Métriques bancaires numériques pour 2023:

• Utilisateurs de la banque mobile: 68 400
• Transactions bancaires en ligne: 2,3 millions par trimestre
• Taux de satisfaction de la plate-forme numérique: 94,6%

Services de consultation financière réguliers

Type de consultation	Nombre de consultations en 2023	Durée moyenne
Consultation bancaire personnelle	4,200	45 minutes
Consultation bancaire des affaires	1,850	75 minutes
Avis d'investissement	920	60 minutes

Parke Bancorp, Inc. (PKBK) - Modèle d'entreprise: canaux

Réseau de succursale physique

En 2024, Parke Bancorp maintient 25 emplacements de succursales physiques dans le New Jersey et la Pennsylvanie.

État	Nombre de branches
New Jersey	19
Pennsylvanie	6

Plateforme bancaire en ligne

Les fonctionnalités bancaires numériques comprennent:

• Gestion des comptes
• Transferts de fonds
• Services de paiement de factures
• Historique des transactions

Application bancaire mobile

Application mobile disponible pour les plates-formes iOS et Android avec un accès en temps réel.

Plate-forme	Téléchargements d'applications
ios	12,500
Androïde	8,750

Services bancaires téléphoniques

Support client 24/7 avec des options représentatives automatisées et en direct.

Équipe de vente directe pour les banques d'affaires

Équipe bancaire commerciale dédiée avec 17 gestionnaires de relations spécialisées.

Segment d'entreprise	Nombre de gestionnaires de relations
Banque commerciale	10
Banque des petites entreprises	7

Parke Bancorp, Inc. (PKBK) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

Depuis le quatrième trimestre 2023, Parke Bancorp dessert environ 3 250 clients commerciaux de petite à moyenne taille de la région du New Jersey.

Segment d'entreprise	Nombre de clients	Taille moyenne du prêt
Commerces de détail	1,150	$475,000
Entreprises de services	875	$385,000
Entreprises manufacturières	625	$625,000
Entreprises technologiques	600	$550,000

Promoteurs immobiliers commerciaux locaux

Les promoteurs immobiliers commerciaux représentent 42% du portefeuille total de prêts de Parke Bancorp, avec 275 clients de développeurs actifs.

• Prêts immobiliers commerciaux totaux: 687,3 millions de dollars
• Taille moyenne du prêt: 2,5 millions de dollars
• Focus géographique: zone métropolitaine du New Jersey

Entreprises de services professionnels

Les entreprises de services professionnels représentent 18% de la clientèle de Parke Bancorp, avec 425 clients de services professionnels actifs.

Catégorie de service professionnel	Nombre de clients	Valeur de la relation bancaire moyenne des affaires
Cabinets juridiques	125	$750,000
Compagnies comptables	110	$625,000
Cabinets de conseil	90	$550,000
Pratiques de santé	100	$475,000

Entreprises familiales dans la région du New Jersey

Les entreprises familiales représentent 22% des segments de clients de Parke Bancorp, avec 350 clients de l'entreprise familiale active.

• Entreprises générationnelles: 65% sont des entreprises de deuxième ou de troisième génération
• Prêt total des entreprises familiales: 215,6 millions de dollars
• Relation moyenne des banques d'affaires: 615 000 $

Investisseurs individuels à haute nette

Les investisseurs individuels élevés représentent 8% de la clientèle de Parke Bancorp, avec 180 clients actifs à haute navette.

Catégorie d'investissement	Nombre de clients	Portefeuille d'investissement moyen
Comptes d'investissement personnels	95	3,2 millions de dollars
Comptes de retraite	55	2,7 millions de dollars
Comptes en fiducie	30	4,5 millions de dollars

Parke Bancorp, Inc. (PKBK) - Modèle d'entreprise: Structure des coûts

Dépenses de fonctionnement de la succursale

Depuis le rapport annuel de 2022, Parke Bancorp a exploité 24 succursales à travers le New Jersey et la Pennsylvanie. Les dépenses d'occupation totales liées à la succursale étaient de 4,2 millions de dollars en 2022.

Catégorie de dépenses	Montant (2022)
Frais de location et de location	2,1 millions de dollars
Services publics	$687,000
Entretien	1,4 million de dollars

Salaires et avantages sociaux des employés

Les frais de rémunération totale de Parke Bancorp en 2022 étaient de 23,1 millions de dollars.

• Dépenses salariales: 17,6 millions de dollars
• Prestations de santé et de retraite: 5,5 millions de dollars
• Total des employés: 329 au 31 décembre 2022

Maintenance de la technologie et des infrastructures numériques

Les dépenses liées à la technologie pour 2022 ont totalisé 3,8 millions de dollars.

Catégorie de dépenses technologiques	Montant (2022)
Licence de logiciel	1,2 million de dollars
Maintenance matérielle	1,5 million de dollars
Cybersécurité	1,1 million de dollars

Coûts de conformité réglementaire

Les dépenses liées à la conformité pour 2022 étaient de 2,5 millions de dollars.

• Frais juridiques et de consultation: 1,3 million de dollars
• Dépenses d'audit et de rapport: 872 000 $
• Formation en conformité: 325 000 $

Frais de marketing et d'acquisition des clients

Les dépenses de marketing pour 2022 s'élevaient à 1,6 million de dollars.

Catégorie de dépenses de marketing	Montant (2022)
Marketing numérique	$687,000
Impression et médias traditionnels	$453,000
Commanditaires des événements communautaires	$460,000

Parke Bancorp, Inc. (PKBK) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts commerciaux

Pour l'exercice 2023, Parke Bancorp a rapporté 48,3 millions de dollars dans le total des revenus d'intérêt des prêts commerciaux, représentant un Augmentation de 5,7% de l'année précédente.

Catégorie de prêt	Montant total ($)	Pourcentage du revenu des intérêts totaux
Prêts immobiliers commerciaux	32,500,000	67.3%
Commercial & Prêts industriels	15,800,000	32.7%

Frais de prêt hypothécaire

Les frais de prêt hypothécaire pour 2023 ont totalisé 6,2 millions de dollars, avec la ventilation suivante:

• Frais d'origine: 4,1 millions de dollars
• Frais de service hypothécaire: 1,5 million de dollars
• Frais de refinancement: 600 000 $

Frais de service sur les comptes de dépôt

Frais de service générés 3,9 millions de dollars en revenus pour 2023:

Type de charge de service	Revenus ($)
Frais de découvert	1,750,000
Frais de maintenance mensuels	1,450,000
Frais de transaction ATM	700,000

Commissions de produits d'investissement

Commissions de produits d'investissement atteints 2,5 millions de dollars en 2023, avec la distribution suivante:

• Commissions de fonds communs de placement: 1,2 million de dollars
• Frais de gestion des comptes de retraite: 850 000 $
• Frais de service de courtage: 450 000 $

Revenus du service de gestion du Trésor

Les services de gestion du Trésor ont contribué 4,1 millions de dollars aux revenus de la banque en 2023:

Catégorie de service	Revenus ($)
Services de gestion de trésorerie	1,900,000
Traitement des paiements électroniques	1,400,000
Services marchands	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.