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 | |