BlastPoint's Banking Scorecard

The Park National Bank

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

Newark, OH

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

137 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 20.0% in tier
+ Profitability Leader: Top 28.6% in tier
+ Delinquency Rate 0.15% below tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 0.63% 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	-$34.0B	$47.0B -1.9% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	Bottom 13.1% in tier
Total Loans ?	$9.6B +22.6% YoY +20.1% QoQ	-$19.8B	$29.4B -0.4% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	20%
Total Deposits ?	$11.1B +30.7% YoY +33.0% QoQ	-$27.3B	$38.4B -1.6% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	16%
Return on Assets ?	1.98% +9.3% YoY +3.9% QoQ	+0.70%	1.28% +18.7% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	Top 8.0% in tier
Net Interest Margin ?	4.92% +2.9% YoY -1.4% QoQ	+1.14%	3.77% +5.8% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	Top 8.0% in tier
Efficiency Ratio ?	54.64% -4.6% YoY -2.1% QoQ	+0.63%	54.01% -3.7% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	55%
Delinquency Rate ?	0.87% +7.3% YoY -0.1% QoQ	-0.15%	1.02% -3.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	39%
Loan-to-Deposit Ratio ?	86.13% -6.2% YoY -9.7% QoQ	+5.34%	80.79% +1.9% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	45%
Non-Interest-Bearing Deposit Share ?	28.44% -17.5% YoY -13.9% QoQ	+8.40%	20.04% +0.2% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	76%
Nonperforming Asset Ratio ?	0.83% +29.3% YoY +15.9% QoQ	+0.11%	0.72% +4.2% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	23%
Tier 1 Capital Ratio ?	12.07% +3.3% YoY -0.1% QoQ	-3.44%	15.51% -0.4% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.25% -9.6% YoY -79.5% QoQ	+0.02%	0.22% +0.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	74%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 10 • Top 20.0% 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: 20.04%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.92%

(Tier: 3.77%, National: 3.89%)

better than tier avg

10 of 10 Large banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Profitability Leader

growth

#11 of 35 • Top 28.6% 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: 1.23%)

better than tier avg

35 of 35 Large banks match · 926 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 137 peers in $10B-$250B

Top Strengths (3 metrics)

Return on Assets

profitability

Value: 1.98%

Peer Median: 1.28%

#12 of 137 Top 8.0% in $10B-$250B

Net Interest Margin

profitability

Value: 4.92%

Peer Median: 3.77%

#12 of 137 Top 8.0% in $10B-$250B

Non-Interest-Bearing Deposit Share

funding

Value: 28.44%

Peer Median: 20.04%

#34 of 137 Top 24.1% in $10B-$250B

Top Weaknesses (4 metrics)

120

Total Assets

size

Value: $12.93B

Peer Median: $46.96B

#120 of 137 Bottom 13.1% in $10B-$250B

116

Total Deposits

size

Value: $11.10B

Peer Median: $38.42B

#116 of 137 Bottom 16.1% in $10B-$250B

111

Total Loans

size

Value: $9.56B

Peer Median: $29.36B

#111 of 137 Bottom 19.7% in $10B-$250B

107

Nonperforming Asset Ratio

credit_quality

Value: 0.83%

Peer Median: 0.72%

#107 of 137 Bottom 22.6% in $10B-$250B