PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Parks Heritage

Glens Falls, NY · Charter 16933

NCUA · 2 branches

Q2 2026

$42.3MAssets
$23.2MLoans
$35.3MShares
$7.0MNet Worth

Executive Summary

  • Earnings: ROA of 1.15%, down 7 bps year over year; NIM at 4.26%.
  • Asset quality: problem loans at 0.28% of loans (-16 bps YoY).
  • Capital: net worth / assets of 16.62%, up 17 bps from a year ago.
  • Funding: loans stand at 65.77% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.15%-7 bps YoY

Net Interest Margin (YTD, annualized)

4.26%-21 bps YoY

Efficiency Ratio (YTD, annualized)

73.51%+310 bps YoY

Net Worth / Assets

16.62%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.07%1.03%1.43%1.22%1.42%1.33%0.81%1.15%-7 bps
Return on Equity6.50%6.14%8.58%7.40%8.16%7.90%4.96%6.93%-47 bps
Net Interest Margin4.29%4.37%4.55%4.47%4.66%4.44%4.20%4.26%-21 bps
Efficiency Ratio77.26%77.82%70.47%70.41%68.68%68.74%76.07%73.51%+310 bps
Growth
Asset Growth (YoY)4.70%4.42%5.62%5.57%2.57%8.41%9.23%7.20%+162 bps
Loan Growth (YoY)4.00%3.43%1.65%-1.50%4.84%3.10%3.76%3.17%+467 bps
Share Growth (YoY)2.94%2.99%4.50%4.45%1.24%8.19%9.46%7.08%+263 bps
Asset Quality
Delinquent Loans / Loans0.16%0.30%0.15%0.44%0.12%0.26%0.16%0.28%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.41%16.78%16.66%16.45%17.41%16.81%16.41%16.62%+17 bps
Net Worth / Assets16.41%16.78%16.66%16.45%17.41%16.81%16.41%16.62%+17 bps
Liquidity & Funding
Loans / Shares72.60%74.15%70.46%68.27%75.17%70.65%66.79%65.77%-249 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps