<span item_type="fundamental" item_id="15b3ac4ab6f99c38e3e76337e00ce5cc" counter_id="ST/US/PKBK" env="prod"></span><span item_type="announcement" item_id="574449455222890113" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 37.36 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.89.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -6.678 M.</p><p></p><h3>Financial Metrics by Segment</h3><h4>Net Income</h4><ul><li>Net income for Q3 2025 was $10.6 million, an increase of 28.3% over Q2 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li><li>Net income available to common shareholders for the three months ended September 30, 2025, was $10.6 million, or $0.90 per basic common share and $0.89 per diluted common share, an increase of $3.1 million, or 41.6%, compared to the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li><li>Net income available to common shareholders for the nine months ended September 30, 2025, was $26.7 million, or $2.26 per basic common share and $2.23 per diluted common share, an increase of $6.6 million, or 32.7%, compared to the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li></ul><h4>Revenue</h4><ul><li>Revenue for Q3 2025 was $37.4 million, an increase of 4.2% over Q2 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li></ul><h4>Total Assets</h4><ul><li>Total assets increased to $2.17 billion at September 30, 2025, from $2.14 billion at December 31, 2024, an increase of $29.9 million, or 1.4%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li></ul><h4>Total Loans</h4><ul><li>Total loans increased to $1.93 billion, an increase of 4.9% over December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li></ul><h4>Total Deposits</h4><ul><li>Total deposits increased to $1.75 billion, an increase of 7.5% over December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li></ul><h4>Net Interest Income</h4><ul><li>Net interest income increased $5.4 million, or 37.0%, to $20.2 million for the three months ended September 30, 2025, compared to the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li><li>Net interest income increased $11.6 million, or 26.8%, to $54.6 million for the nine months ended September 30, 2025, compared to the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li></ul><h4>Provision for Credit Losses</h4><ul><li>The company recorded a provision for credit losses of $0.4 million for the three months ended September 30, 2025, compared to a recovery of provision for credit losses of $0.1 million for the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li><li>The provision for credit losses increased $1.4 million, or 255.0%, to $1.9 million for the nine months ended September 30, 2025, compared to the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li></ul><h4>Non-Interest Income</h4><ul><li>Non-interest income decreased slightly by $0.05 million, or 5.6%, to $0.85 million for the three months ended September 30, 2025, compared to the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li><li>Non-interest income decreased $0.7 million, or 21.4%, to $2.5 million for the nine months ended September 30, 2025, compared to the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li></ul><h4>Non-Interest Expense</h4><ul><li>Non-interest expense increased $0.8 million, or 12.6%, to $7.2 million for the three months ended September 30, 2025, compared to the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li><li>Non-interest expense increased $1.2 million, or 6.5%, to $20.4 million for the nine months ended September 30, 2025, compared to the same period in 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li></ul><h4>Cash and Cash Equivalents</h4><ul><li>Cash and cash equivalents totaled $159.3 million at September 30, 2025, compared to $221.5 million at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li></ul><h4>Investment Securities</h4><ul><li>The investment securities portfolio decreased to $13.9 million at September 30, 2025, from $14.8 million at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li></ul><h4>Gross Loans</h4><ul><li>Gross loans increased $92.0 million, or 4.9%, to $1.96 billion at September 30, 2025, compared to December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li></ul><h4>Nonperforming Loans</h4><ul><li>Nonperforming loans at September 30, 2025, increased to $12.4 million, or 0.63% of total loans, an increase of $0.6 million, or 5.5%, from December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li></ul><h4>Allowance for Credit Losses</h4><ul><li>The allowance for credit losses was $33.9 million at September 30, 2025, compared to $32.6 million at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li></ul><h4>Total Borrowings</h4><ul><li>Total borrowings decreased $104.9 million during the nine months ended September 30, 2025, to $83.4 million from $188.3 million at December 31, 2024.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li></ul><h4>Total Equity</h4><ul><li>Total equity increased to $314.8 million at September 30, 2025, up from $300.1 million at December 31, 2024, an increase of $14.8 million, or 4.9%.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li></ul><h3>Outlook / Guidance</h3><ul><li>The CEO highlighted the impact of the Federal Reserve’s interest rate reduction and ongoing market volatility due to geopolitical challenges and the government shutdown.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li><li>Regulatory changes are expected to reduce pressure on community banks, allowing them to better address community needs.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li><li>The residential single-family market is reported to be cooling but stabilizing, with higher inventory and longer market times helping buyers negotiate better prices.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925031527/ex_856030.htm"></span></li></ul>

Parke Bancorp | 8-K: FY2025 Q3 Revenue: USD 37.36 M