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Parkway Bank and Trust Company
Harwood Heights, IL·FDIC Cert #19008·Charter: STATE·Est. 19640122.0·HC: PARKWAY BCORP INC
Total Assets
$3.6B
Q4 2025
Return on Assets
1.12%
+0.07%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
45.54%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.12%+0.07
ROE
10.20%+0.55
Efficiency
45.54%-0.97
Equity/Assets
0.00%+0.00
NPL Ratio
1.07%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
105.51%+0.73
Charge-offs
0.03%+0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.0 | 0.9 | 0.9 | 1.0 | 1.0 | 1.0 | 1.1 |
| ROE | 9.3 | 9.2 | 8.7 | 9.0 | 8.9 | 9.4 | 9.7 | 10.2 |
| Efficiency | 47.2 | 48.1 | 49.1 | 48.0 | 49.1 | 48.1 | 46.5 | 45.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.3 | 1.4 | 1.4 | 1.3 | 1.1 | 1.1 | 1.1 | 1.1 |
| Charge-offs | -0.0 | 0.1 | 0.1 | 0.1 | -0.0 | 0.0 | -0.0 | 0.0 |
| Loan/Deposit | 96.6 | 98.6 | 99.5 | 101.9 | 98.8 | 103.7 | 104.8 | 105.5 |
Balance Sheet
Total Assets$3.6B
Total Deposits$2.7B
Total Loans$2.9B
Total Equity$411.7M
Profitability
ROA1.12%
ROE10.20%
Efficiency Ratio45.54%
Net Income$40.4M
Risk & Asset Quality
NPL Ratio1.07%
Charge-off Rate0.03%
Loan/Deposit105.51%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans