The Park National Bank
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Data as of · sourced from FFIEC call reports. How we update
The Park National Bank is an FDIC-insured commercial bank headquartered in Newark, OH, established in 1908 (FDIC certificate 6653), and it is supervised by the OCC. At Q2 2026 it reported total assets of $12.61B, up 27.5% from Q2 2025, the 8th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 12.24% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6653
- Headquarters
- Newark, OH
- Established
- 1908
- Total assets, Q2 2026
- $12.61B
- Assets vs Q2 2025
- +27.5%
- CET1 ratio, Q2 2026
- 12.24%
- Domestic offices
- 114 FDIC institution directory, current count
- Routing number
- 044101305
- Latest call report
- Q2 2026, FFIEC 041 · The Park National Bank call report
- Holding company
- PARK NATIONAL CORPORATION
- Asset rank in state
- 8th of 154 in Ohio
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 0.86% and a Texas ratio of 7.55%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, The Park National Bank is the 8th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.5% to $12.61B, loans rose 0.7% and deposits fell 2.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 24.9% of total loans, followed by non-owner-occupied commercial real estate loans at 18.9%. The FDIC Summary of Deposits lists 110 offices for it, in 79 cities across 5 states; its Newark 5 offices book 10% of its branch deposits. Judged on its Q2 2026 call report, The Park National Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 114 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Park National Bank's total assets ran between $9.74B (Q4 2025) and $12.93B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$12.61B total assets against $9.89B; $11.04B total liabilities against $8.75B.
$9.62B net loans and leases against $7.87B; $10.78B total deposits against $8.52B.
$1.26B securities against $955.5M; $577.8M cash and balances due against $193.3M.
$172.1M total interest income against $135.4M; $33.8M total interest expense against $25.7M.
$138.3M net interest income against $109.6M.
$35.1M total noninterest income against $29.6M; $93.7M total noninterest expense against $76.1M.
$4.9M provision for credit losses against $2.5M.
$60.9M net income against $49.1M.
1.91% return on assets against 1.95%; 4.77% net interest margin against 4.76%.
12.24% CET1 capital ratio against 11.84%; 10.33% tier 1 leverage ratio against 10.18%.
Inside the full The Park National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 139 of 4,196, for total assets; its furthest is 775 of 980, for uninsured deposits.
Banks merged into The Park National Bank
- First Citizens National Bank, effective February 1, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.63% (Q4 2024) to 1.97% (Q3 2025) and its net interest margin ran from 4.54% (Q3 2024) to 4.89% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.24% | 1.91% | 0.86% | 7.55% | 4.77% |
| Q1 2026 | 12.07% | 1.90% | 0.86% | 7.97% | 4.81% |
| Q4 2025 | 12.08% | 1.71% | 0.86% | 6.29% | 4.89% |
| Q3 2025 | 12.06% | 1.97% | 1.13% | 8.33% | 4.79% |
| Q2 2025 | 11.84% | 1.95% | 0.82% | 6.21% | 4.76% |
| Q1 2025 | 11.69% | 1.76% | 0.80% | 6.08% | 4.58% |
| Q4 2024 | 11.44% | 1.63% | 0.89% | 6.95% | 4.60% |
| Q3 2024 | 11.35% | 1.64% | 0.93% | 7.12% | 4.54% |
Swipe the table sideways to see every column.
Branch Network
View all 110 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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 | Structure Change | Acquired First Citizens National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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 | Structure Change | Acquired United Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 30, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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 | Structure Change | Acquired The Utica Savings Bank Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 23, 1973 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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
Facts as filed or published, not a rating.
- 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 184 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is The Park National Bank headquartered?
It is headquartered in Newark, OH, United States.
When was The Park National Bank founded?
It was established in 1908, per the FDIC institution directory.
Is The Park National Bank FDIC-insured?
Yes. It 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.
What is The Park National Bank's CET1 capital ratio?
It 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?
It operates 114 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?
Its Texas Ratio is 7.55% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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