# PARKWAY BANK
ROGERS, AR · FDIC certificate 20160 · asset band <$300M · latest filing 2015-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $133.6M | |
| Deposits | $108.2M | |
| Loans and leases | $97.2M | |
| Total equity | $15.4M | |
| Loans / deposits | 88.42% (p76 of band) | 73.61% |
| Liquid assets / assets | 22.49% (p28 of band) | |
| Uninsured deposits / deposits | 9.00% (p29 of band) | 13.65% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 7.15% (p73 of band) | |
| FHLB advances / assets | 7.15% | |
| Tier 1 leverage | 9.62% (p31 of band) | 10.70% |
| Unrealized securities loss / equity | 1.93% (p67 of band) | 0.86% |
| AOCI / equity | 0.53% (p72 of band) | |
| ROA (annualized) | 0.70% (p40 of band) | 0.84% |
| Net interest margin | 3.97% (p69 of band) | 3.64% |
| Efficiency ratio | 74.04% (p54 of band) | |
| Noncurrent loans | 0.33% (p34 of band) | 0.69% |
| Net charge-offs (annualized) | -0.01% (p17 of band) | |
| Reserve coverage of noncurrent | 472.64% | |
| Real estate % of loans | 88% | |
| Construction % of loans | 119.37% (p97 of band) | |
| Auto loans | $592,000 (0.61% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $2.0M (13% of equity) (p99 of band) | |
| Deposits YoY | 8.7% | |
| Employees | 36 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 1 | construction >100% equity |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | capital falling |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2012-12-14 [Carmichael No Longer at IberiaBank; Mizelle Steps In - Talk Business & Politics](https://news.google.com/rss/articles/CBMijgFBVV95cUxNV3ZvdWVka2R1cUtRaWRXSHZaMzBWRXBlX2FFT21TYlV0OHZSdktmNXdrSmdfZGZTcUFJMldDZ2lPcC1zUThjYTZyQ1Y5Yjh3VXhjUm5OVnBTMUxLOUhUQ0dPQ1J2b3A5ak80M19fSk5ob2tjanhKWko0NkFSTXgtUHoxZVQxNDB4Z0dBR1Bn?oc=5) · Talk Business &amp; Politics
- 2019-07-26 [Acquisitive local lender spots another target - Crain's Chicago Business](https://news.google.com/rss/articles/CBMimgFBVV95cUxPX0ROV1l1U19fb1NzRWswR2h2Y2IwSGhIZ0IzWmtsRGo5TWE4aV8wME5IOWROSkVVbElGWGtkUTFXcmRYbk5KdXFuSVI3aW1GUE5qVXNOZDFPMG5Ndks4UVBjMXQ0LWRHQUYzQzVGNlhOMVRmbXpRY1dXeWF6N1h4bWtWcDBLRVJ0RUVVLVZiUmExQzJxNXYzQkl3?oc=5) · Crain's Chicago Business
- 2016-10-01 [Bank of Ozarks takes No. 2 spot - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQQ1RFaUFHS0xXbDNKbWd4cmllQy1fWU9QOFFnZ0lBd2JKMDlWRFBBS2FaYWlYM3hieTVMRE83RGd4dXFuWnZxV08zYTY0U3Z0M2d0SzBMdnE5MGhfcmNMN3ZTZzJtUmR6cURWczZrNUVZTENDTmduYzd1bWxtU3JrWVZCZXlxY3hIV0lz?oc=5) · Northwest Arkansas Democrat-Gazette
- 2017-02-15 [Chambers Bank relocates lone Benton County office to temporary space in Rogers - Talk Business & Politics](https://news.google.com/rss/articles/CBMisgFBVV95cUxNUXlDTTM5N2JFQkMydDJVTG1QQUNkSmp4TVQxVDNseXRsTC1mOXdfeFJsd0l6UjkzelVwODczLW9wSVVtTFp0RzZfSm5taXdwd2l4T01NQ2ZBSDBSSzdGNE9WalNSYVFWb096M2cxTDQ1YmNxZVF0Tjk4NU9yVllrd0paZjJEZndmaWxmcGxqeTAzVXZ1Uk1SSVhBN3otV0pDOUlUdzd2RkRKYXZ5SWVPbW5R?oc=5) · Talk Business &amp; Politics
- 2020-07-13 [Jill Annette Bright Obituary - Northwest Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMifEFVX3lxTE92WHBJZ3NhVVVWZkFfZGR3T0RNZVo1OTE4dk9fUlp2YVBLdnk2QkdNVW1JdVAtbll2WmhNMkNNdVF4bXY0SUo1X0kxZzJieUhYU2M1Xzc5ZWFwVWtqN2FpNlpqN2YyWVR5cWpzWXppUjJURTVtNWtzcXM5Vm4?oc=5) · Northwest Arkansas Democrat-Gazette
- 2020-09-27 [Citizens Bank CEO Phil Baldwin on growth, the economy, and retirement - Talk Business & Politics](https://news.google.com/rss/articles/CBMiowFBVV95cUxQVXhvMjFPaXVBa3VnTGlROF9oNllWS3R0VjJPNmhNUHBiUlllTjlVM2xRdWxnVGpWdUJ5bFNoVEtEdEpxLTJsS25CS0dzRUl0azlJVW4xNVdnZ2laYkQ0U0xYYnpkM0laMVphN3Nsdm1nMnBkSThSVjBobXMzNS1nTFlwVU1HaGE0UllIeDIzeWFfUkNQYjd2cEVvS3pJalNaZXB3?oc=5) · Talk Business &amp; Politics
- 2023-09-01 [Demolition projects dot Walton Boulevard in Bentonville - Talk Business & Politics](https://news.google.com/rss/articles/CBMikwFBVV95cUxOV0pqRUdUS1B5SFYxYW0xRl94Mzc0TlktSWJlUV8zcGRCT1NmeGkwRXltZDE4eGhmSHhjM1ZVRFBRUmk4RnE0LURTRkZVNTRHMHR4QnZXdDlWVHg5UXRWNEwtMlVRSGkzRlpodUdCME1wZnZ5S2ZYTkxTR3BSZjF3VTFLSjB5VDFJWC01eGpsSDJIVVE?oc=5) · Talk Business &amp; Politics
- 2009-09-07 [Bank Exec Turnover Joins Lower Lending - Talk Business & Politics](https://news.google.com/rss/articles/CBMifEFVX3lxTE01WDNvbkdPMzF1ZXVzamFiakh0RVhta1dvVVpod283M1FBMEN0djBYeHlyZDY1U2pjRUdOS1FZa2w0QXhSM21iTEswZmo2SjgwZ3dmRWhuVVU5LVlHcHJOa0lTekRiX1NkQXcyRkdyVVpCX3JNYm1rQ01obVI?oc=5) · Talk Business &amp; Politics

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=20160 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/0.json (key "20160", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide