BlastPoint's Banking Scorecard

Parkway Bank and Trust Company

$1B-$10B Specialty: Commercial IL FDIC cert 19008

Designations: ✓ Community bank

Harwood Heights, IL

27 branches across IL · AZ

884 banks in the $1B-$10B peer group nationally 50 in IL

Parkway Bank and Trust Company has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 14.82% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 21.72% above tier average
- Non-Interest Income / Assets 0.24% below tier average
- ROA 0.18% below tier average
- Net Interest Margin 0.84% below tier average
- Delinquency Rate 0.19% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$3.7B +2.1% YoY +1.3% QoQ	+$850.5M	$2.8B -0.1% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	78%
Total Loans ?	$2.9B +4.6% YoY +0.7% QoQ	+$941.1M	$2.0B +0.6% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	81%
Total Deposits ?	$2.7B -2.4% YoY +0.3% QoQ	+$400.0M	$2.3B -0.3% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	74%
Return on Assets ?	1.19% +24.2% YoY +6.1% QoQ	-0.18%	1.37% +19.6% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	47%
Net Interest Margin ?	2.98% +9.8% YoY +3.0% QoQ	-0.84%	3.82% +6.9% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	16%
Efficiency Ratio ?	46.24% -5.9% YoY +1.5% QoQ	-14.82%	61.06% -4.6% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Top 12.8% in tier
Delinquency Rate ?	1.08% -4.8% YoY +0.8% QoQ	+0.19%	0.89% +14.1% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	24%
Loan-to-Deposit Ratio ?	105.93% +7.2% YoY +0.4% QoQ	+21.72%	84.20% +0.3% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Bottom 6.8% in tier
Non-Interest-Bearing Deposit Share ?	15.00% +1.7% YoY +1.8% QoQ	-6.28%	21.29% -2.5% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	27%
Nonperforming Asset Ratio ?	0.99% -3.0% YoY +0.0% QoQ	+0.31%	0.67% +15.6% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	21%
Tier 1 Capital Ratio ?	12.80% +3.3% YoY +1.3% QoQ	-2.36%	15.16% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	45%
Non-Interest Income / Assets ?	0.02% +1.5% YoY -75.8% QoQ	-0.24%	0.26% +1.6% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Bottom 2.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

114

Efficiency Ratio

profitability

Value: 46.24%

Peer Median: 61.06%

#114 of 884 Top 12.8% in $1B-$10B

166

Total Loans

size

Value: $2.91B

Peer Median: $1.96B

#166 of 884 Top 18.7% in $1B-$10B

199

Total Assets

size

Value: $3.67B

Peer Median: $2.82B

#199 of 884 Top 22.4% in $1B-$10B

Top Weaknesses (5 metrics)

862

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.26%

#862 of 884 Bottom 2.6% in $1B-$10B

825

Loan-to-Deposit Ratio

liquidity

Value: 105.93%

Peer Median: 84.20%

#825 of 884 Bottom 6.8% in $1B-$10B

744

Net Interest Margin

profitability

Value: 2.98%

Peer Median: 3.82%

#744 of 884 Bottom 16.0% in $1B-$10B

701

Nonperforming Asset Ratio

credit_quality

Value: 0.99%

Peer Median: 0.67%

#701 of 884 Bottom 20.8% in $1B-$10B

667

Delinquency Rate

credit_quality

Value: 1.08%

Peer Median: 0.89%

#667 of 880 Bottom 24.3% in $1B-$10B