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The Park National Bank

$10B-$250B Specialty: Commercial OH FDIC cert 6653

Newark, OH

113 branches across OH · TN · SC · NC · KY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 4 in OH.
  • Deposits +26.6% year over year ($10.8B on the books).
  • Delinquency rate 0.87%.
  • Return on assets 1.99%.
  • Efficiency ratio 53.70% vs a 53.67% peer average.
  • Loan-to-deposit ratio 89.24% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 4 in OH
View $10B-$250B leaderboard (OH) →

The Park National Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 22.2% in tier
  • + Profitability Leader: Top 48.6% in tier
  • + Delinquency Rate 0.14% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 49.2% in tier
Get updates when The Park National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $12.6B
+27.5% YoY -2.5% QoQ
-$31.0B $43.6B
-13.8% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
Bottom 12.9% in tier
Total Loans ? $9.6B
+22.2% YoY +0.6% QoQ
-$18.3B $28.0B
-8.6% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
20%
Total Deposits ? $10.8B
+26.6% YoY -2.9% QoQ
-$24.6B $35.4B
-14.0% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
15%
Return on Assets ? 1.99%
+4.7% YoY +0.6% QoQ
+0.60% 1.39%
+25.9% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
Top 10.1% in tier
Net Interest Margin ? 4.99%
+2.5% YoY +1.5% QoQ
+1.07% 3.92%
+8.9% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
Top 9.4% in tier
Efficiency Ratio ? 53.70%
-3.8% YoY -1.7% QoQ
+0.03% 53.67%
-1.9% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
56%
Delinquency Rate ? 0.87%
+4.6% YoY +0.0% QoQ
-0.14% 1.01%
-2.8% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
38%
Loan-to-Deposit Ratio ? 89.24%
-3.4% YoY +3.6% QoQ
+6.63% 82.61%
+3.1% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
35%
Non-Interest-Bearing Deposit Share ? 29.64%
-13.0% YoY +4.2% QoQ
+9.06% 20.58%
+4.9% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
78%
Nonperforming Asset Ratio ? 0.82%
+22.8% YoY -1.3% QoQ
+0.09% 0.73%
+5.8% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
23%
Tier 1 Capital Ratio ? 12.24%
+3.4% YoY +1.4% QoQ
-3.11% 15.35%
-0.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
31%
Non-Interest Income / Assets ? 0.53%
-6.9% YoY +115.7% QoQ
+0.04% 0.50%
+10.5% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
76%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 29.6%
-4.4pp YoY
+1.2pp QoQ
 +8.6pp 21.0% 18.8% 22.2% 77%
Brokered Deposits 2.0%
-2.3pp YoY
-1.5pp QoQ
 -7.2pp 9.2% 7.7% 8.5% 24%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 8.9%
-0.4pp YoY
-0.3pp QoQ
 -8.2pp 17.2% 10.2% 12.5% 16%
CRE 39.9%
+6.0pp YoY
+0.5pp QoQ
 -2.1pp 42.0% 34.2% 41.4% 42%
1-4 Family 25.2%
-0.9pp YoY
-0.1pp QoQ
 +2.1pp 23.1% 50.0% 31.3% 64%
Consumer 19.5%
-4.3pp YoY
0.0pp QoQ
 +6.6pp 12.9% 4.7% 5.0% 84%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 12.2%
+0.4pp YoY
+0.2pp QoQ
 -3.0pp 15.3% 22.1% 19.7% 30%
Leverage Ratio 10.3%
+0.2pp YoY
-0.6pp QoQ
 -0.1pp 10.4% 12.9% 12.6% 58%
Total Capital Ratio 13.5%
+0.3pp YoY
+0.1pp QoQ
 -3.0pp 16.5% 23.2% 20.8% 31%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 1,959
+239 (+13.9%) YoY
+6 (+0.3%) QoQ
 -1,299 3,258 2,433 482 49%
Assets per Employee ($) $6.4M
+11.9% YoY
-2.8% QoQ
 -$20.6M $27.0M $7.6M $8.8M 4%
Branch Count 114
+26 (+29.5%) YoY
0 QoQ
 -24 137 81 18 58%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.2% 0.4% 37%
Nonaccrual 0.8%
0.0pp YoY
0.0pp QoQ
 +0.1pp 0.7% 0.6% 1.0% 68%
Allowance Coverage 1.32x
-3.5% YoY
+1.2% QoQ
 -1.49x 2.81x 18.95x 20.23x 32%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.4% 0.1% 0.2% 41%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 16.4%
-0.4pp YoY
-0.1pp QoQ
 +3.7pp 12.6% 9.7% 11.6% 81%
Cost of Funds (YTD) 1.2%
0.0pp YoY
0.0pp QoQ
 -0.8pp 2.0% 1.7% 1.7% 9%
Net Income ($, YTD) $117.0M
+25.3% YoY
— QoQ
 -$179.8M $296.8M $259.3M $40.4M 37%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Deposit Franchise

growth
#3 of 9 • Top 22.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 29.64%
(Tier: 20.58%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.99%
(Tier: 3.92%, National: 3.95%)
better than tier avg
9 of 9 Large banks match · 368 nationally
→ Stable -1 banks QoQ

Profitability Leader

growth
#18 of 35 • Top 48.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.99%
(Tier: 1.39%, National: 1.30%)
better than tier avg
35 of 35 Large banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Credit Quality Pressure

risk
#34 of 67 • Bottom 49.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.87%
(Tier: 1.01%, National: 0.98%)
better than tier avg
67 of 67 Large banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (4 metrics)

14
Net Interest Margin
profitability
Value: 4.99%
Peer Median: 3.92%
#14 of 139 Top 9.4% in $10B-$250B
15
Return on Assets
profitability
Value: 1.99%
Peer Median: 1.39%
#15 of 139 Top 10.1% in $10B-$250B
31
Non-Interest-Bearing Deposit Share
funding
Value: 29.64%
Peer Median: 20.58%
#31 of 139 Top 21.6% in $10B-$250B
35
Non-Interest Income / Assets
revenue_mix
Value: 0.53%
Peer Median: 0.50%
#35 of 139 Top 24.5% in $10B-$250B

Top Weaknesses (4 metrics)

122
Total Assets
size
Value: $12.61B
Peer Median: $43.60B
#122 of 139 Bottom 12.9% in $10B-$250B
119
Total Deposits
size
Value: $10.78B
Peer Median: $35.42B
#119 of 139 Bottom 15.1% in $10B-$250B
112
Total Loans
size
Value: $9.62B
Peer Median: $27.97B
#112 of 139 Bottom 20.1% in $10B-$250B
108
Nonperforming Asset Ratio
credit_quality
Value: 0.82%
Peer Median: 0.73%
#108 of 139 Bottom 23.0% in $10B-$250B
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