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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
Deposits +3.6% year over year ($2.8B on the books).
Delinquency rate 1.07%.
Return on assets 1.20%.
Efficiency ratio 45.33% vs a 59.73% peer average.
Loan-to-deposit ratio 104.75% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in IL

View $1B-$10B leaderboard (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 14.40% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 19.72% above tier average
- Non-Interest Income / Assets 0.49% below tier average
- ROA 0.19% below tier average
- Net Interest Margin 0.86% below tier average
- Delinquency Rate 0.20% above tier average

Get updates when Parkway Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$3.7B +3.0% YoY -0.3% QoQ	+$861.8M	$2.8B -0.6% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	78%
Total Loans ?	$2.9B +4.7% YoY -0.4% QoQ	+$930.0M	$2.0B -0.3% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	81%
Total Deposits ?	$2.8B +3.6% YoY +0.7% QoQ	+$443.2M	$2.3B -0.5% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	74%
Return on Assets ?	1.20% +16.9% YoY +1.3% QoQ	-0.19%	1.39% +17.0% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	45%
Net Interest Margin ?	3.01% +5.0% YoY +0.9% QoQ	-0.86%	3.87% +6.2% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	Bottom 14.8% in tier
Efficiency Ratio ?	45.33% -5.7% YoY -2.0% QoQ	-14.40%	59.73% -12.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Top 12.1% in tier
Delinquency Rate ?	1.07% -6.4% YoY -1.4% QoQ	+0.20%	0.87% +11.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	26%
Loan-to-Deposit Ratio ?	104.75% +1.0% YoY -1.1% QoQ	+19.72%	85.04% -0.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Bottom 7.6% in tier
Non-Interest-Bearing Deposit Share ?	14.44% -6.2% YoY -3.8% QoQ	-6.84%	21.27% -1.5% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	25%
Nonperforming Asset Ratio ?	0.97% -5.0% YoY -1.3% QoQ	+0.30%	0.67% +11.7% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	23%
Tier 1 Capital Ratio ?	12.59% -0.7% YoY -1.6% QoQ	-2.25%	14.84% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	42%
Non-Interest Income / Assets ?	0.04% +1.5% YoY +109.5% QoQ	-0.49%	0.53% +2.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Bottom 3.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	14.4% -1.0pp YoY -0.6pp QoQ	-6.9pp	21.4%	20.1%	22.2%	24%
Brokered Deposits	28.2% +2.1pp YoY -0.1pp QoQ	+18.8pp	9.5%	8.0%	8.5%	94%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	31.1% +4.7pp YoY -0.2pp QoQ	+17.1pp	14.0%	14.7%	12.5%	92%
CRE	68.9% -4.8pp YoY +0.3pp QoQ	+18.9pp	50.0%	37.9%	41.4%	87%
1-4 Family	1.0% +0.1pp YoY +0.1pp QoQ	-25.4pp	26.4%	28.3%	31.3%	2%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	5.4%	5.0%	6%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	12.6% -0.1pp YoY -0.2pp QoQ	-3.0pp	15.6%	19.9%	19.7%	34%
Leverage Ratio	11.5% +0.3pp YoY -0.2pp QoQ	+0.2pp	11.3%	12.2%	12.6%	70%
Total Capital Ratio	13.8% -0.2pp YoY -0.2pp QoQ	-2.9pp	16.7%	20.9%	20.8%	36%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	284 +6 (+2.2%) YoY -1 (-0.4%) QoQ	-30	313	228	482	62%
Assets per Employee ($)	$12.9M +0.8% YoY 0.0% QoQ	+$2.4M	$10.5M	$8.3M	$8.8M	83%
Branch Count	27 0 YoY 0 QoQ	+7	20	10	18	78%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.2pp	0.2%	0.4%	0.4%	8%
Nonaccrual	1.1% -0.1pp YoY 0.0pp QoQ	+0.2pp	0.8%	1.1%	1.0%	76%
Allowance Coverage	1.07x -0.8% YoY +4.7% QoQ	-17.64x	18.71x	5.62x	20.23x	26%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	7%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	10.6% +1.2pp YoY +0.2pp QoQ	-2.0pp	12.6%	10.5%	11.6%	38%
Cost of Funds (YTD)	2.3% -0.3pp YoY 0.0pp QoQ	+0.4pp	1.9%	1.6%	1.7%	77%
Net Income ($, YTD)	$21.9M +19.3% YoY — QoQ	+$2.7M	$19.2M	$11.7M	$40.4M	73%

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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 885 peers in $1B-$10B

Top Strengths (3 metrics)

108

Efficiency Ratio

profitability

Value: 45.33%

Peer Median: 59.73%

#108 of 885 Top 12.1% in $1B-$10B

168

Total Loans

size

Value: $2.89B

Peer Median: $1.96B

#168 of 885 Top 18.9% in $1B-$10B

197

Total Assets

size

Value: $3.66B

Peer Median: $2.79B

#197 of 885 Top 22.1% in $1B-$10B

Top Weaknesses (5 metrics)

859

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.53%

#859 of 885 Bottom 3.1% in $1B-$10B

819

Loan-to-Deposit Ratio

liquidity

Value: 104.75%

Peer Median: 85.04%

#819 of 885 Bottom 7.6% in $1B-$10B

755

Net Interest Margin

profitability

Value: 3.01%

Peer Median: 3.87%

#755 of 885 Bottom 14.8% in $1B-$10B

686

Nonperforming Asset Ratio

credit_quality

Value: 0.97%

Peer Median: 0.67%

#686 of 885 Bottom 22.6% in $1B-$10B

666

Non-Interest-Bearing Deposit Share

funding

Value: 14.44%

Peer Median: 21.27%

#666 of 885 Bottom 24.9% in $1B-$10B