Parke Bancorp, Inc. (PKBK): Modelo de negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico da Parke Bancorp, Inc. (PKBK), uma potência bancária regional que transforma os serviços financeiros tradicionais por meio de um modelo de negócios meticulosamente criado. Essa abordagem inovadora utiliza informações profundas do mercado local, tecnologias digitais de ponta e um compromisso focado a laser em servir pequenas e médias empresas em Nova Jersey e Pensilvânia. Ao misturar bancos de relacionamento personalizado com soluções financeiras flexíveis, o PKBK criou um nicho distinto no cenário bancário competitivo, oferecendo aos empreendedores e empresas locais uma proposta de valor única que vai muito além dos serviços bancários convencionais.

Parke Bancorp, Inc. (PKBK) - Modelo de negócios: Parcerias -chave

Associações comerciais locais e câmaras de comércio

A partir de 2024, Parke Bancorp mantém parcerias com as seguintes associações comerciais locais:

Nome da associação	Localização	Status de associação
Associação de Banqueiros de Nova Jersey	Princeton, NJ	Membro ativo
Associação de Banqueiros da Pensilvânia	Harrisburg, PA	Membro ativo

Promotores imobiliários comerciais

As principais parcerias de desenvolvimento imobiliário incluem:

• Parceiros de Desenvolvimento do Estado de Garden
• Grupo imobiliário comercial da Filadélfia
• Investidores imobiliários de Delaware Valley

Desenvolvedor	Portfólio total de empréstimos	Foco geográfico
Parceiros de Desenvolvimento do Estado de Garden	US $ 43,2 milhões	Nova Jersey
Grupo imobiliário comercial da Filadélfia	US $ 37,5 milhões	Pensilvânia

Redes de negócios pequenas e médias

Estatísticas de rede de parcerias:

Tipo de rede	Número de conexões	Volume total de negócios
Redes de negócios locais	127 negócios	US $ 215,6 milhões
Associações regionais de PME	89 negócios	US $ 163,4 milhões

Provedores de serviços financeiros regionais

Detalhes da rede de referência de serviço financeiro:

• Provedores de seguros: 14 parcerias ativas
• Empresas de consultoria de investimentos: 8 colaborações estratégicas
• Serviços de gerenciamento de patrimônio: 6 acordos de referência

Tipo de provedor de serviços	Número de referências (2023)	Receita de referência
Provedores de seguros	342 referências	US $ 1,7 milhão
Empresas de consultoria de investimentos	213 referências	US $ 2,3 milhões

Parke Bancorp, Inc. (PKBK) - Modelo de negócios: Atividades -chave

Empréstimos comerciais e industriais

No terceiro trimestre de 2023, a Parke Bancorp registrou empréstimos comerciais e industriais totais de US $ 602,4 milhões. A carteira de empréstimos do banco demonstra uma abordagem focada para os empréstimos de negócios em vários setores.

Categoria de empréstimo	Valor total ($)	Porcentagem de portfólio
Imóveis comerciais	412,6 milhões	68.5%
Comercial & Empréstimos industriais	189,8 milhões	31.5%

Serviços bancários de pequenas empresas

A Parke Bancorp fornece soluções de pequenas empresas direcionadas com foco regional em Nova Jersey e Pensilvânia.

• Portfólio total de empréstimos para pequenas empresas: US $ 187,3 milhões
• Tamanho médio de empréstimo para pequenas empresas: US $ 245.000
• Número de clientes pequenos ativos: 1.247

Gerenciamento de produtos de depósito e investimento

Em 31 de dezembro de 2023, a estratégia de depósito do banco incluiu:

Tipo de depósito	Valor total ($)	Intervalo de taxa de juros
Verificação não-interesse	214,5 milhões	0%
Verificação de juros	329,7 milhões	0.25% - 1.75%
Contas de poupança	156,2 milhões	0.10% - 2.25%
Certificados de depósito	287,6 milhões	3.50% - 5.25%

Financiamento de hipoteca e imóveis

Estatísticas de empréstimos hipotecários para Parke Bancorp em 2023:

• Empréstimos hipotecários residenciais totais: US $ 276,5 milhões
• Volume de originação residencial de hipoteca: US $ 89,2 milhões
• Tamanho médio de empréstimo residencial hipotecário: US $ 342.000

Gerenciamento de riscos e serviços de consultoria financeira

Métricas de gerenciamento de riscos para Parke Bancorp:

• Taxa de empréstimo sem desempenho: 0,72%
• Reserva de perda de empréstimo: US $ 15,6 milhões
• Orçamento total de gerenciamento de riscos: US $ 4,3 milhões

Parke Bancorp, Inc. (PKBK) - Modelo de negócios: Recursos -chave

Forte infraestrutura bancária regional em Nova Jersey

A partir do quarto trimestre 2023, a Parke Bancorp opera 24 escritórios bancários em Nova Jersey, com uma presença concentrada nos condados de Camden, Burlington e Atlantic.

Métrica de infraestrutura	Dados quantitativos
Total de escritórios bancários	24
Total de ativos	US $ 3,86 bilhões (31 de dezembro de 2023)
Total de depósitos	US $ 3,35 bilhões (31 de dezembro de 2023)

Equipe de gerenciamento experiente

Composição da equipe de gerenciamento:

• Experiência média da indústria bancária: 22 anos
• Liderança executiva com mais de 15 anos no Parke Bancorp
• Especializado em empréstimos comerciais e industriais

Plataformas de tecnologia bancária digital

Recurso bancário digital	Capacidade
Usuários bancários online	48.750 (Q4 2023)
Downloads de aplicativos bancários móveis	37.200 (Q4 2023)
Volume de transação digital	1,2 milhão de transações mensais

Relacionamentos estabelecidos do cliente

Aparelhamento do segmento de clientes:

• Clientes comerciais comerciais: 65%
• Clientes de pequenas empresas: 22%
• Clientes bancários pessoais: 13%

Capital financeiro e base de ativos

Métrica financeira	Valor
Índice de capital de camada 1	13,4% (31 de dezembro de 2023)
Retorno sobre o patrimônio (ROE)	11,2% (2023 anual)
Resultado líquido	US $ 62,3 milhões (2023 anual)

Parke Bancorp, Inc. (PKBK) - Modelo de negócios: proposições de valor

Soluções bancárias personalizadas para empresas locais

A partir do quarto trimestre de 2023, a Parke Bancorp registrou empréstimos comerciais totais de US $ 1,03 bilhão, representando um aumento de 5,7% em relação ao ano anterior.

Categoria de empréstimo	Montante total	% de portfólio
Imóveis comerciais	US $ 687,4 milhões	66.7%
Comercial & Empréstimos industriais	US $ 342,6 milhões	33.3%

Taxas de juros competitivas para empréstimos comerciais

Em 31 de dezembro de 2023, a margem de juros líquidos do banco era de 3,42%, com um rendimento médio de empréstimo de 5,89%.

Processos de aprovação de empréstimos rápidos e flexíveis

• Tempo médio de processamento de empréstimo: 5-7 dias úteis
• Taxa de conclusão de aplicativos digitais: 78%
• Taxa de aprovação de empréstimo para clientes existentes: 92%

Abordagem bancária baseada em relacionamento

Número total de relacionamentos bancários de negócios a partir de 2023: 3.247

Segmento de clientes	Número de clientes	Valor médio do relacionamento
Pequenas empresas	2,103	$425,000
Médias empresas	844	US $ 1,2 milhão
Grandes clientes comerciais	300	US $ 3,5 milhões

Produtos financeiros personalizados para necessidades de mercado regional

Ofertas totais de produtos: 17 produtos bancários comerciais especializados

• Programas de empréstimos da SBA: US $ 76,3 milhões
• Linha de negócios de produtos de crédito: US $ 214,6 milhões
• Soluções de financiamento de equipamentos: US $ 89,7 milhões

Parke Bancorp, Inc. (PKBK) - Modelo de Negócios: Relacionamentos do Cliente

Gerentes de relacionamento dedicados para clientes de negócios

A partir do quarto trimestre 2023, a Parke Bancorp mantém 47 gerentes de relacionamento dedicados atribuídos especificamente aos segmentos de clientes de negócios. Esses gerentes supervisionam os relacionamentos bancários comerciais com um valor médio de portfólio de US $ 12,3 milhões por gerente.

Segmento de clientes	Número de gerentes de relacionamento	Valor médio do portfólio
Pequenas empresas	22	US $ 6,5 milhões
Empresa do mercado intermediário	18	US $ 18,2 milhões
Banco corporativo	7	US $ 35,6 milhões

Atendimento ao cliente personalizado

Parke Bancorp relatou um 97,2% Taxa de satisfação do cliente Em 2023, com um tempo médio de resposta de 12,4 minutos para consultas de clientes.

Interações presenciais em locais de filiais locais

Em dezembro de 2023, a Parke Bancorp opera 24 localizações de filiais físicas em Nova Jersey, com uma taxa média de interação diária do cliente de 187 clientes por filial.

Suporte bancário online e móvel

Métricas bancárias digitais para 2023:

• Usuários bancários móveis: 68.400
• Transações bancárias online: 2,3 milhões por trimestre
• Taxa de satisfação da plataforma digital: 94,6%

Serviços regulares de consulta financeira

Tipo de consulta	Número de consultas em 2023	Duração média
Consulta bancária pessoal	4,200	45 minutos
Consulta Banking Banking	1,850	75 minutos
Aviso de investimento	920	60 minutos

Parke Bancorp, Inc. (PKBK) - Modelo de negócios: canais

Rede de ramificação física

A partir de 2024, Parke Bancorp mantém 25 locais de filiais físicas em Nova Jersey e Pensilvânia.

Estado	Número de ramificações
Nova Jersey	19
Pensilvânia	6

Plataforma bancária online

Os recursos bancários digitais incluem:

• Gerenciamento de contas
• Transferências de fundos
• Serviços de pagamento da conta
• Histórico de transações

Aplicativo bancário móvel

O aplicativo móvel disponível para plataformas iOS e Android com acesso à conta em tempo real.

Plataforma	Downloads de aplicativos
iOS	12,500
Android	8,750

Serviços bancários telefônicos

O suporte ao cliente 24/7 com opções de representação automatizada e ao vivo.

Equipe direta de vendas para negócios bancários

Equipe dedicada ao Business Banking com 17 gerentes de relacionamento especializados.

Segmento de negócios	Número de gerentes de relacionamento
Bancos comerciais	10
Bancos de pequenas empresas	7

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

Pequenas e médias empresas

A partir do quarto trimestre de 2023, a Parke Bancorp atende a aproximadamente 3.250 clientes comerciais pequenos e médios na região de Nova Jersey.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Negócios de varejo	1,150	$475,000
Negócios de serviço	875	$385,000
Empresas de manufatura	625	$625,000
Negócios de tecnologia	600	$550,000

Promotores imobiliários comerciais locais

Os promotores imobiliários comerciais representam 42% da carteira total de empréstimos da Parke Bancorp, com 275 clientes de desenvolvedores ativos.

• Empréstimos imobiliários comerciais totais: US $ 687,3 milhões
• Tamanho médio do empréstimo: US $ 2,5 milhões
• Foco geográfico: área metropolitana de Nova Jersey

Empresas de serviços profissionais

As empresas de serviços profissionais constituem 18% da base de clientes da Parke Bancorp, com 425 clientes ativos de serviços profissionais.

Categoria de serviço profissional	Número de clientes	Valor médio de relacionamento bancário de negócios
Empresas jurídicas	125	$750,000
Empresas de contabilidade	110	$625,000
Empresas de consultoria	90	$550,000
Práticas de saúde	100	$475,000

Empresas familiares na região de Nova Jersey

As empresas familiares representam 22% dos segmentos de clientes da Parke Bancorp, com 350 clientes de negócios familiares ativos.

• Empresas geracionais: 65% são empresas de segunda ou terceira geração
• Empréstimos para empresas familiares totais: US $ 215,6 milhões
• Relacionamento bancário de negócios médio: US $ 615.000

Investidores individuais de alta rede

Investidores individuais de alto patrimônio líquido representam 8% da base de clientes da Parke Bancorp, com 180 clientes ativos de alta rede.

Categoria de investimento	Número de clientes	Portfólio de investimentos médios
Contas de investimento pessoal	95	US $ 3,2 milhões
Contas de aposentadoria	55	US $ 2,7 milhões
Contas de confiança	30	US $ 4,5 milhões

Parke Bancorp, Inc. (PKBK) - Modelo de negócios: estrutura de custos

Despesas de operação de ramificação

Até o relatório anual de 2022, a Parke Bancorp operava 24 filiais em Nova Jersey e Pensilvânia. As despesas totais de ocupação relacionadas à filial foram de US $ 4,2 milhões em 2022.

Categoria de despesa	Valor (2022)
Custos de aluguel e arrendamento	US $ 2,1 milhões
Utilitários	$687,000
Manutenção	US $ 1,4 milhão

Salários e benefícios dos funcionários

As despesas totais de remuneração do Parke Bancorp em 2022 foram de US $ 23,1 milhões.

• Despesas de salário: US $ 17,6 milhões
• Benefícios de saúde e aposentadoria: US $ 5,5 milhões
• Total de funcionários: 329 em 31 de dezembro de 2022

Manutenção de tecnologia e infraestrutura digital

As despesas relacionadas à tecnologia em 2022 totalizaram US $ 3,8 milhões.

Categoria de despesa de tecnologia	Valor (2022)
Licenciamento de software	US $ 1,2 milhão
Manutenção de hardware	US $ 1,5 milhão
Segurança cibernética	US $ 1,1 milhão

Custos de conformidade regulatória

As despesas relacionadas à conformidade em 2022 foram de US $ 2,5 milhões.

• Taxas legais e de consultoria: US $ 1,3 milhão
• Despesas de auditoria e relatório: US $ 872.000
• Treinamento de conformidade: US $ 325.000

Despesas de marketing e aquisição de clientes

As despesas de marketing para 2022 totalizaram US $ 1,6 milhão.

Categoria de despesa de marketing	Valor (2022)
Marketing digital	$687,000
Mídia impressa e tradicional	$453,000
Patrocínio de eventos da comunidade	$460,000

Parke Bancorp, Inc. (PKBK) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos comerciais

Para o ano fiscal de 2023, relatou Parke Bancorp US $ 48,3 milhões na receita total de juros de empréstimos comerciais, representando um 5,7% de aumento a partir do ano anterior.

Categoria de empréstimo	Valor total ($)	Porcentagem da receita total de juros
Empréstimos imobiliários comerciais	32,500,000	67.3%
Comercial & Empréstimos industriais	15,800,000	32.7%

Taxas de empréstimos hipotecários

Taxas de empréstimos hipotecários para 2023 totalizaram US $ 6,2 milhões, com a seguinte quebra:

• Taxas de originação: US $ 4,1 milhões
• Taxas de manutenção de hipotecas: US $ 1,5 milhão
• Taxas de refinanciamento: US $ 600.000

Cobranças de serviço em contas de depósito

Encargos de serviço gerados US $ 3,9 milhões em receita para 2023:

Tipo de cobrança de serviço	Receita ($)
Taxas de cheque especial	1,750,000
Taxas mensais de manutenção	1,450,000
Taxas de transação ATM	700,000

Comissões de produtos de investimento

Comissões de produto de investimento alcançadas US $ 2,5 milhões em 2023, com a seguinte distribuição:

• Comissões de fundos mútuos: US $ 1,2 milhão
• Taxas de gerenciamento de contas de aposentadoria: US $ 850.000
• Taxas de serviço de corretagem: US $ 450.000

Receitas do Serviço de Gerenciamento do Tesouro

Serviços de gerenciamento de tesouro contribuíram US $ 4,1 milhões para a receita do banco em 2023:

Categoria de serviço	Receita ($)
Serviços de gerenciamento de caixa	1,900,000
Processamento de pagamento eletrônico	1,400,000
Serviços comerciais	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.