Parke Bancorp (PKBK) investor relations material

Executive summary

• Net income available to common shareholders for Q4 2025 was $11.1 million, up 49.9% year-over-year, and for the full year 2025 was $37.8 million, up 37.3% from 2024.

• Diluted EPS was $0.93 for Q4 2025 and $3.16 for the year, both showing significant increases over the prior year.

• Growth was driven by higher net interest income, partially offset by increased provision for credit losses and higher non-interest expense.

Financial highlights

• Net interest income rose 39.7% year-over-year to $21.8 million in Q4 2025 and 30.2% to $76.5 million for the year.

• Total assets reached $2.25 billion at year-end, up 5.0% from December 31, 2024.

• Gross loans increased 8.9% to $2.04 billion; total deposits rose 7.8% to $1.80 billion.

• Non-interest income declined 19.2% in Q4 and 20.8% for the year, mainly due to lower other income and fewer one-time items.

• Non-interest expense increased 10.8% in Q4 and 7.7% for the year, driven by higher professional services, compensation, and OREO expense.

Outlook and guidance

• Management expects continued uncertainty in interest rates into 2026, with diverse views among Federal Reserve members.

• The balance sheet is structured to remain nimble and responsive to rate changes, with a focus on strong earnings, equity, and expense control.