BlastPoint's Banking Scorecard

The Park National Bank

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

Newark, OH

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

135 banks in the $10B-$250B peer group nationally 4 in 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 11.1% in tier
+ Profitability Leader: Top 29.4% in tier
+ Delinquency Rate 0.15% below tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 0.74% above tier average

Get updates when The Park National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$12.9B +31.4% YoY +32.7% QoQ	-$34.4B	$47.4B -2.0% YoY	$36.0B +10.6% YoY	$6.2B +9.0% YoY	Bottom 12.6% in tier
Total Loans ?	$9.6B +22.6% YoY +20.1% QoQ	-$20.1B	$29.6B -0.4% YoY	$15.8B +12.8% YoY	$3.2B +10.7% YoY	19%
Total Deposits ?	$11.1B +30.7% YoY +33.0% QoQ	-$27.7B	$38.7B -1.6% YoY	$26.1B +8.5% YoY	$4.8B +8.0% YoY	16%
Return on Assets ?	1.98% +9.3% YoY +3.9% QoQ	+0.69%	1.28% +19.3% YoY	1.13% +9.6% YoY	1.24% +13.1% YoY	Top 8.1% in tier
Net Interest Margin ?	4.92% +2.9% YoY -1.4% QoQ	+1.15%	3.77% +5.6% YoY	3.59% +7.5% YoY	3.89% +5.7% YoY	Top 8.1% in tier
Efficiency Ratio ?	54.64% -4.6% YoY -2.1% QoQ	+0.74%	53.90% -4.0% YoY	72.32% -4.0% YoY	66.84% -3.8% YoY	55%
Delinquency Rate ?	0.87% +7.3% YoY -0.1% QoQ	-0.15%	1.02% -4.1% YoY	0.66% +14.5% YoY	0.95% +18.8% YoY	40%
Loan-to-Deposit Ratio ?	86.13% -6.2% YoY -9.7% QoQ	+5.25%	80.88% +2.0% YoY	79.14% +0.8% YoY	76.69% +0.9% YoY	45%
Non-Interest-Bearing Deposit Share ?	28.44% -17.5% YoY -13.9% QoQ	+8.61%	19.82% +0.3% YoY	18.19% -0.4% YoY	22.01% -1.1% YoY	77%
Nonperforming Asset Ratio ?	0.83% +29.3% YoY +15.9% QoQ	+0.11%	0.73% +4.0% YoY	0.44% +14.5% YoY	0.66% +19.3% YoY	23%
Tier 1 Capital Ratio ?	12.07% +3.3% YoY -0.1% QoQ	-3.49%	15.56% -0.1% YoY	19.42% +3.1% YoY	17.06% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.25% -9.6% YoY -79.5% QoQ	+0.02%	0.23% +0.9% YoY	0.57% -2.5% YoY	0.32% +4.0% YoY	73%

Get Full Access to The Park National Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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

#2 of 9 • Top 11.1% 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: 28.44%

(Tier: 19.82%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.92%

(Tier: 3.77%, National: 3.89%)

better than tier avg

9 of 9 Large banks match · 369 nationally

→ Stable -13 banks QoQ | QoQ rank improving

Profitability Leader

growth

#11 of 34 • Top 29.4% in tier

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

Why this signature

Return on Assets: 1.98%

(Tier: 1.28%, National: 1.24%)

better than tier avg

34 of 34 Large banks match · 925 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 135 peers in $10B-$250B

Top Strengths (3 metrics)

Return on Assets

profitability

Value: 1.98%

Peer Median: 1.28%

#12 of 135 Top 8.1% in $10B-$250B

Net Interest Margin

profitability

Value: 4.92%

Peer Median: 3.77%

#12 of 135 Top 8.1% in $10B-$250B

Non-Interest-Bearing Deposit Share

funding

Value: 28.44%

Peer Median: 19.82%

#32 of 135 Top 23.0% in $10B-$250B

Top Weaknesses (4 metrics)

119

Total Assets

size

Value: $12.93B

Peer Median: $47.36B

#119 of 135 Bottom 12.6% in $10B-$250B

115

Total Deposits

size

Value: $11.10B

Peer Median: $38.75B

#115 of 135 Bottom 15.6% in $10B-$250B

110

Total Loans

size

Value: $9.56B

Peer Median: $29.62B

#110 of 135 Bottom 19.3% in $10B-$250B

105

Nonperforming Asset Ratio

credit_quality

Value: 0.83%

Peer Median: 0.73%

#105 of 135 Bottom 23.0% in $10B-$250B