Newark, OH · Cert 6653 · Park National Corp.
National charter · OCC · 110 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
43
Asset Quality
50
Profitability
83
Liquidity
63
Efficiency
56
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Newark, OH · Cert 6653 · Park National Corp.
National charter · OCC · 110 branches
Q2 2026
Market Position · Columbus, OH · 2026 SOD (annual) · 2.4% share · #7 of 53 inst. · $2.9B of $124.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.62% | 1.63% | 1.81% | 1.90% | 1.95% | 1.90% | 1.98% | 1.99% | +9 bps | |
| Return on Equity | 15.53% | 15.45% | 16.12% | 16.79% | 17.02% | 16.42% | 16.45% | 16.37% | -41 bps | |
| Net Interest Margin | 4.10% | 4.12% | 4.26% | 4.34% | 4.34% | 4.45% | 4.35% | 4.24% | -10 bps | |
| Efficiency Ratio | 58.86% | 59.10% | 57.26% | 55.82% | 55.14% | 55.82% | 54.64% | 53.70% | -212 bps | |
| Non-Interest Burden | 1.89% | 1.92% | 1.95% | 1.90% | 1.85% | 1.93% | 1.87% | 1.79% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.08% | -0.48% | -0.09% | 0.16% | -0.50% | -0.08% | 31.42% | 27.47% | +2,731 bps | |
| Loan Growth (YoY) | 5.19% | 4.56% | 4.77% | 3.90% | 3.39% | 3.00% | 22.62% | 22.20% | +1,830 bps | |
| Deposit Growth (YoY) | -0.40% | 1.12% | -1.30% | -1.03% | -0.89% | -1.08% | 30.67% | 26.56% | +2,759 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.93% | 0.89% | 0.80% | 0.82% | 1.13% | 0.86% | 0.86% | 0.86% | +4 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.15% | 0.09% | 0.07% | 0.08% | 0.10% | 0.11% | 0.11% | +3 bps | |
| Allowance / Loans | 1.13% | 1.13% | 1.12% | 1.13% | 1.15% | 1.15% | 1.12% | 1.14% | +1 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.3x | 1.4x | 1.4x | 1.0x | 1.3x | 1.3x | 1.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.76% | 9.80% | 10.01% | 10.18% | 10.23% | 10.45% | 10.94% | 10.33% | +15 bps | |
| Total Risk-Based Capital | 12.77% | 12.85% | 13.09% | 13.25% | 13.48% | 13.53% | 13.40% | 13.54% | +29 bps | |
| Equity / Assets | 10.98% | 11.09% | 11.36% | 11.52% | 11.89% | 12.13% | 11.95% | 12.39% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.93% | 92.67% | 92.82% | 93.48% | 94.85% | 96.49% | 87.11% | 90.26% | -321 bps | |
| Liquid Assets / Assets | 0.54% | 0.39% | 0.87% | 0.46% | 0.98% | 0.98% | 6.46% | 3.45% | +299 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 263% | 270% | 300% | n/a | n/a | |
Newark, OH · Cert 6653 · Peer group: banks over $10B in assets (n=142-144) · Park National Corp.
National charter · OCC · 110 branches
Q2 2026
Return on Assets
1.86%
Rank 18 of 144
Net Interest Margin
4.24%
Rank 20 of 144
Efficiency Ratio
54.71%
Rank 64 of 144
Equity / Assets
12.39%
Rank 47 of 144
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.86% | 1.00% | 1.26% | 1.54% | Beats 88% | 18 / 144 | ||
| Return on Equity | 14.98% | 8.98% | 11.34% | 14.40% | Beats 76% | 35 / 144 | ||
| Net Interest Margin | 4.24% | 2.82% | 3.31% | 3.68% | Beats 86% | 20 / 144 | ||
| Efficiency Ratio | 54.71% | 49.42% | 56.02% | 62.41% | Beats 56% | 64 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.86% | 0.48% | 0.73% | 1.07% | Beats 39% | 88 / 142 | ||
| Net Charge-Offs / Loans | 0.09% | 0.05% | 0.11% | 0.22% | Beats 60% | 58 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.24% | 12.07% | 12.98% | 14.92% | Beats 32% | 98 / 144 | ||
| Total Risk-Based Capital Ratio | 13.54% | 13.39% | 14.14% | 16.25% | Beats 30% | 101 / 144 | ||
| Equity / Assets | 12.39% | 9.69% | 11.39% | 12.96% | Beats 67% | 47 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.26% | 75.72% | 84.92% | 91.56% | 70th pctl | 43 / 143 | ||
| Loans / Assets | 77.18% | 59.83% | 69.07% | 74.80% | 81st pctl | 28 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||