BlastPoint's Banking Scorecard
Parke Bank
Community
Specialty: Commercial
NJ
FDIC cert 34888
Sewell, NJ
1484
banks in Community tier nationally
27 in NJ
View Community leaderboard (NJ) →
Parke Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 35% in Community
- + Efficiency Ratio 28.78% below tier
- + Loan-to-Deposit Ratio 30.44% above tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 48% in Community
- - Non-Interest Income / Assets 0.59% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
+5.0% YoY
+3.6% QoQ
|
+$857.6M |
$1.4B
+2.0% YoY
|
$4.2B
+3.8% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$2.0B
+9.0% YoY
+3.9% QoQ
|
+$1.0B |
$975.5M
+2.4% YoY
|
$3.1B
+3.2% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$1.8B
+7.8% YoY
+0.4% QoQ
|
+$598.0M |
$1.2B
+1.7% YoY
|
$3.3B
+4.8% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
1.84%
+22.4% YoY
+3.8% QoQ
|
+0.68% |
1.16%
+17.2% YoY
|
0.71%
+43.1% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
3.75%
+19.6% YoY
+3.4% QoQ
|
+0.08% |
3.66%
+9.1% YoY
|
3.05%
+6.0% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
33.85%
-13.0% YoY
-1.2% QoQ
|
-28.78% |
62.63%
-5.3% YoY
|
72.64%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.54%
-18.5% YoY
-16.6% QoQ
|
-0.09% |
0.63%
+18.3% YoY
|
0.45%
-7.9% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
113.50%
+1.1% YoY
+3.5% QoQ
|
+30.44% |
83.06%
+0.3% YoY
|
88.06%
-0.7% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.37%
-1.2% YoY
+6.1% QoQ
|
-9.68% |
21.05%
-0.9% YoY
|
14.99%
+4.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.61%
-5.2% YoY
-6.0% QoQ
|
+0.11% |
0.50%
+20.3% YoY
|
0.33%
-21.6% YoY
|
0.48%
+20.8% YoY
|
33% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.24%
-1.3% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.15%
-24.6% YoY
+32.2% QoQ
|
-0.59% |
0.74%
-1.3% YoY
|
0.52%
-18.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#130 of 371 · Top 35% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.84%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 2%
in Community
Why this stands out
Current:
33.85%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 2%
in Community
Why this stands out
Current:
113.50%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (2)
Capital Thin
risk
#210 of 432 · Bottom 48% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Non-Interest Income / Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.15%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Efficiency Ratio
Current: 33.85% · Tier avg: 62.63%
98
98th pctile
Loan-to-Deposit Ratio
Current: 113.50% · Tier avg: 83.06%
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
87
87th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.16%
83
83th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
57
57th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.66%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.63%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.61% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.37% · Tier avg: 21.05%
6
6th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
Top Weaknesses
6
6th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.37% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.61% · Tier avg: 0.50%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.63%
57
57th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.66%
81
81th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
83
83th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
87
87th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.16%
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
98
98th pctile
Loan-to-Deposit Ratio
Current: 113.50% · Tier avg: 83.06%
98
98th pctile
Efficiency Ratio
Current: 33.85% · Tier avg: 62.63%