<span item_type="fundamental" item_id="b7b1b1fc2631aea1d5d8a512c5793d81" counter_id="ST/US/PKBK" env="prod"></span><span item_type="announcement" item_id="579538431287172737" 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>Community Banking Segment</h3><h4>Net Interest Income</h4><ul><li>Net interest income for the three months ended September 30, 2025, was $20.2 million, an increase of $5.4 million or 37.0% 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/1315399/000143774925033355/pkbk20250930_10q.htm"></span></li><li>For the nine months ended September 30, 2025, net interest income was $54.6 million, an increase of $11.6 million or 26.8% 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/1315399/000143774925033355/pkbk20250930_10q.htm"></span></li></ul><h4>Provision for Credit Losses</h4><ul><li>Provision for credit losses for the three months ended September 30, 2025, was $0.4 million, compared to a recovery 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/1315399/000143774925033355/pkbk20250930_10q.htm"></span></li><li>For the nine months ended September 30, 2025, the provision for credit losses was $1.9 million, an increase of $1.4 million 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/1315399/000143774925033355/pkbk20250930_10q.htm"></span></li></ul><h4>Non-Interest Income</h4><ul><li>Non-interest income for the three months ended September 30, 2025, was $0.9 million, a decrease of $0.05 million 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/1315399/000143774925033355/pkbk20250930_10q.htm"></span></li><li>For the nine months ended September 30, 2025, non-interest income was $2.5 million, a decrease of $0.7 million 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/1315399/000143774925033355/pkbk20250930_10q.htm"></span></li></ul><h4>Non-Interest Expense</h4><ul><li>Non-interest expense for the three months ended September 30, 2025, was $7.2 million, an increase of $0.8 million or 12.6% 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/1315399/000143774925033355/pkbk20250930_10q.htm"></span></li><li>For the nine months ended September 30, 2025, non-interest expense was $20.4 million, an increase of $1.2 million or 6.5% 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/1315399/000143774925033355/pkbk20250930_10q.htm"></span></li></ul><h4>Net Income</h4><ul><li>Net income available to common shareholders for the three months ended September 30, 2025, was $10.6 million, 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/1315399/000143774925033355/pkbk20250930_10q.htm"></span></li><li>For the nine months ended September 30, 2025, net income available to common shareholders was $26.7 million, 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/1315399/000143774925033355/pkbk20250930_10q.htm"></span></li></ul><h4>Cash Flow</h4><ul><li>Net cash provided by operating activities for the nine months ended September 30, 2025, was $25.1 million.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925033355/pkbk20250930_10q.htm"></span></li><li>Net cash used in investing activities for the nine months ended September 30, 2025, was - $91.6 million.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925033355/pkbk20250930_10q.htm"></span></li><li>Net cash provided by financing activities for the nine months ended September 30, 2025, was $4.3 million.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925033355/pkbk20250930_10q.htm"></span></li></ul><h4>Future Outlook and Strategy</h4><ul><li>The company focuses on growing customers, loans, deposits, and revenue while improving profitability and managing risk, expenses, and capital.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925033355/pkbk20250930_10q.htm"></span></li><li>The company aims to maintain capital at an amount commensurate with its risk profile and risk tolerance objectives, meeting both regulatory and market expectations.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925033355/pkbk20250930_10q.htm"></span></li></ul><h4>Unique Metrics</h4><ul><li>Deposit balances from cannabis customers were approximately $225.4 million at September 30, 2025, accounting for 12.9% of total deposits.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925033355/pkbk20250930_10q.htm"></span></li><li>Cannabis-related loans amounted to $46.1 million at September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1315399/000143774925033355/pkbk20250930_10q.htm"></span></li></ul>

Parke Bancorp | 10-Q: FY2025 Q3 Revenue: USD 37.36 M