PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Park National Bank, The

Newark, OH · Cert 6653 · Park National Corp.

National charter · OCC · 110 branches

Q2 2026

$12.6BAssets
$9.7BLoans
$10.8BDeposits
$1.6BEquity
Loan mix
70%RE $6.4B10%C&I $0.9B20%Consumer $1.9BQ3 2024Q2 2026
Deposit mix
70%Interest-bearing $7.6B30%Noninterest $3.2BQ3 2024Q2 2026

Market Position · Columbus, OH · 2026 SOD (annual) · 2.4% share · #7 of 53 inst. · $2.9B of $124.6B

44.6% Licking
36.6% Muskingum
26.6% Richland
53.8% Knox

Executive Summary

  • Earnings: ROA of 1.91%, down 8 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 0.86% of loans (+4 bps YoY), with net charge-offs at 0.10%.
  • Capital: tier 1 leverage ratio of 10.33%, up 15 bps from a year ago.
  • Funding: loans stand at 90.26% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.91%-8 bps YoY

Net Interest Margin (quarter, annualized)

4.45%+1 bps YoY

Efficiency Ratio (quarter, annualized)

52.85%-160 bps YoY

Tier 1 Leverage Ratio

10.33%+15 bps YoY

NIM

5.23%Q2 ’245.37%Q2 ’255.40%Q2 ’26+8%+0%

Non-interest income vs. expense

2.97%Q2 ’243.02%Q2 ’252.94%Q2 ’26+1%0%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.65%1.66%1.81%1.99%2.04%1.76%1.98%1.91%-8 bps
Return on Equity15.42%15.07%16.12%17.40%17.46%14.65%16.45%15.69%-171 bps
Net Interest Margin4.22%4.28%4.26%4.43%4.46%4.55%4.35%4.45%+1 bps
Efficiency Ratio59.48%59.80%57.26%54.44%53.85%57.79%54.64%52.85%-160 bps
Non-Interest Burden1.91%2.06%1.95%1.85%1.81%2.09%1.87%1.84%-1 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 / Loans0.93%0.89%0.80%0.82%1.13%0.86%0.86%0.86%+4 bps
Net Charge-Offs / Loans0.24%0.16%0.09%0.06%0.10%0.13%0.11%0.10%+4 bps
Allowance / Loans1.13%1.13%1.12%1.13%1.15%1.15%1.12%1.14%+1 bps
Allowance Coverage of NPLs1.2x1.3x1.4x1.4x1.0x1.3x1.3x1.3x0.0x
Capital
Tier 1 Leverage Ratio9.76%9.80%10.01%10.18%10.23%10.45%10.94%10.33%+15 bps
Total Risk-Based Capital12.77%12.85%13.09%13.25%13.48%13.53%13.40%13.54%+29 bps
Equity / Assets10.98%11.09%11.36%11.52%11.89%12.13%11.95%12.39%+87 bps
Liquidity & Funding
Loans / Deposits90.93%92.67%92.82%93.48%94.85%96.49%87.11%90.26%-321 bps
Liquid Assets / Assets0.54%0.39%0.87%0.46%0.98%0.98%6.46%3.45%+299 bps
CRE / Total Capitaln/an/an/an/a263%270%300%n/an/a