The Park National Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
The Park National Bank earns an unusually wide margin on its lending. It reported $12.6 billion in assets at June 30, 2026, up 27.5% from a year earlier. It keeps 4.77 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 3.63 cents). It also grew deposits 26.6% over the year, 4.7 times the median of 5.7% for banks its size.
Net income for the quarter rose 24% from a year earlier, to $61 million. Over the same year, loans grew 22.2% and deposits grew 26.6%. Credit is the area to watch: it carries problem assets equal to 7.6% of the capital and reserves that would absorb them, higher than about three-quarters of banks its size (median 4.2%).
As of June 30, 2026, The Park National Bank reported a CET1 capital ratio of 12.24%, a return on assets of 1.91%, a nonperforming-loan ratio of 1.41% and a Texas ratio of 7.55%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 50 N 3rd St, Newark, OH 43055
- County
- Licking
- Metro Area
- Columbus, OH
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- July 8, 1908
- Former names
- The Park National Bank (1971); The Park National Bank of Newark (1970-1971)
- Offices
- 112 domestic
- Employees (FTE)
- 1,959
- Domestic deposits
- $10.78B
- Allowance for credit losses
- $110.7M
- Net charge-offs (YTD)
- $5.1M
- Average total assets
- $12.76B
- Average total loans
- $9.66B
- Average interest-bearing deposits
- $7.54B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6653
- Fed RSSD
- 489623
- SEC CIK
- 805676 → filed by PARK NATIONAL CORPORATION
- Website
- www.parknationalbank.com →
- Parent Holding Company
- PARK NATIONAL CORPORATION (RSSD 1142336) · PRK
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Matthew R Miller | CEO | President & CEO |
| David L Trautman | CHR | Chairman of the Board |
| Brady T Burt | CFO | Chief Financial Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Park National Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Park National Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Park National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into The Park National Bank
- First Citizens National Bank, effective February 1, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.24% | 1.91% | 1.41% | 7.55% | 4.77% |
| Q1 2026 | 12.07% | 1.90% | 1.31% | 7.97% | 4.81% |
| Q4 2025 | 12.08% | 1.71% | 1.49% | 6.29% | 4.89% |
| Q3 2025 | 12.06% | 1.97% | 1.68% | 8.33% | 4.79% |
| Q2 2025 | 11.84% | 1.95% | 1.24% | 6.21% | 4.76% |
| Q1 2025 | 11.69% | 1.76% | 1.08% | 6.08% | 4.58% |
| Q4 2024 | 11.44% | 1.63% | 1.07% | 6.95% | 4.60% |
| Q3 2024 | 11.35% | 1.64% | 1.07% | 7.12% | 4.54% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 110 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Park National Bank | Newark , OH | 43055 | $807.9M |
| First Citizens National Bank Branch | Dyersburg , TN | 38024 | $431.7M |
| 0513 Columbus Branch | Columbus , OH | 43215 | $402.4M |
| 0614 Main Office - Fairfield | Lancaster , OH | 43130 | $307.2M |
| 1501 First-Knox National Bank Branch | Mount Vernon , OH | 43050 | $295.1M |
| Cleveland Branch | Cleveland , TN | 37312 | $289.6M |
| Market Street Branch | Zanesville , OH | 43701 | $275.4M |
| Spartanburg Branch | Spartanburg , SC | 29306 | $244.3M |
| 2001 Security National Bank | Springfield , OH | 45502 | $236.6M |
| 0902 1201 Brandywine Blvd Branch | Zanesville , OH | 43701 | $219.4M |
| 0810 Richland Trust Company Branch | Mansfield , OH | 44902 | $212.7M |
| Metro Office Branch | Charlotte , NC | 28204 | $209.6M |
| 1901 Second National Bank Branch | Greenville , OH | 45331 | $171.2M |
| 1907 Fort Recovery Banking Center B | Fort Recovery , OH | 45846 | $156.6M |
| 0919 North Coshocton Branch | Coshocton , OH | 43812 | $150.5M |
| 0508 Granville Branch | Granville , OH | 43023 | $140.9M |
| 2419 Rookwood Office Branch | Cincinnati , OH | 45209 | $137.0M |
| 2408 Eastgate Blvd Branch (Biggs -05) | Cincinnati , OH | 45245 | $131.1M |
| Union City Branch | Union City , TN | 38261 | $130.8M |
| 1520 Loudonville Office | Loudonville , OH | 44842 | $124.5M |
| 1804 United Bank Na Branch | Bucyrus , OH | 44820 | $122.5M |
| 0615 the Memorial Drive Branch | Lancaster , OH | 43130 | $119.6M |
| Oakland Branch | Oakland , TN | 38060 | $119.1M |
| 0502 30th Street Branch | Heath , OH | 43056 | $119.1M |
| 2011 Xenia Downtown Branch | Xenia , OH | 45385 | $116.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2026 | Structure Change | Acquired First Citizens National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2019 | Structure Change | Acquired Carolina Alliance Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2018 | Structure Change | Acquired NewDominion Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 19, 2012 | Structure Change | Acquired Park Insurance Group, Inc Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 20, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 20, 2008 | Structure Change | Acquired The Citizens National Bank of Urbana Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 6, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 6, 2008 | Structure Change | Acquired First-Knox National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 30, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 30, 2008 | Structure Change | Acquired The Richland Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 16, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 16, 2008 | Structure Change | Acquired Century National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 18, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 18, 2006 | Structure Change | Acquired Anderson Bank Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 3, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 3, 2005 | Structure Change | Acquired First Clermont Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1997 | Structure Change | Acquired Consolidated Computer Center, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 1985 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 1985 | Structure Change | Acquired The Fairfield National Bank of Lancaster Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 23, 1973 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 23, 1973 | Structure Change | Acquired The Utica Savings Bank Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 28, 1970 | Structure Change | Acquired Peoples State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 26, 1970 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 26 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for The Park National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC); 2 against individuals associated with it
- December 8, 2011, OCC: Civil Money Penalty (CMP): The Park National Bank
- Period: Most recent institution action December 8, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.3% of deposits in OH, rank 11 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 5,316 applications, 3,696 loans originated, $696.5M originated, across 19 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 22 loans, $11.0M approved, $501K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about The Park National Bank
What are The Park National Bank's total assets?
As of the Q2 2026 filing, The Park National Bank reported total assets of $12.61 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Park National Bank headquartered?
The Park National Bank is headquartered in Newark, OH, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was The Park National Bank founded?
The Park National Bank was established in 1908, per the FDIC institution directory.
Is The Park National Bank FDIC-insured?
Yes. The Park National Bank is an FDIC-insured commercial bank (FDIC Certificate #6653). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Park National Bank?
The Park National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is The Park National Bank's CET1 capital ratio?
The Park National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 12.24% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Park National Bank operate?
The Park National Bank operates 112 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Park National Bank's Texas Ratio?
The Park National Bank's Texas Ratio is 7.55% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was The Park National Bank previously called?
The charter now named The Park National Bank has also operated as The Park National Bank (1971), The Park National Bank of Newark (1970-1971), per FDIC structure-change records.
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