The Park National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 97.6% lower than in Q1 2026, at -$16.9M. Within Ohio, The Park National Bank is 66th of 84 on CET1 ratio, 12.24% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. The Park National Bank sits 0.71 points lower, at 12.24% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.24% |
| Tier 1 risk-based capital ratio | 12.24% |
| Total risk-based capital ratio | 13.54% |
| Tier 1 leverage ratio | 10.33% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.29B |
| Tier 1 capital | $1.29B |
| Total risk-based capital | $1.42B |
| Total equity capital | $1.56B |
| Risk-weighted assets | $10.50B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.39% |
| Tangible equity to tangible assets | 10.25% |
| Equity capital to average assets | 12.25% |
| Internal capital growth rate | 6.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10.0M |
| Common stock surplus | $811.2M |
| Retained earnings | $757.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$16.9M |
| Subordinated notes and debentures | $25.0M |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.92% | 10.92% | 12.34% | 8.96% | $8.09B |
| Q4 2023 | 10.95% | 10.95% | 12.35% | 9.11% | $8.14B |
| Q1 2024 | 11.11% | 11.11% | 12.52% | 9.34% | $8.18B |
| Q2 2024 | 11.23% | 11.23% | 12.64% | 9.62% | $8.29B |
| Q3 2024 | 11.35% | 11.35% | 12.77% | 9.76% | $8.39B |
| Q4 2024 | 11.44% | 11.44% | 12.85% | 9.80% | $8.42B |
| Q1 2025 | 11.69% | 11.69% | 13.09% | 10.01% | $8.45B |
| Q2 2025 | 11.84% | 11.84% | 13.25% | 10.18% | $8.50B |
| Q3 2025 | 12.06% | 12.06% | 13.48% | 10.23% | $8.52B |
| Q4 2025 | 12.08% | 12.08% | 13.53% | 10.45% | $8.53B |
| Q1 2026 | 12.07% | 12.07% | 13.40% | 10.94% | $10.42B |
| Q2 2026 | 12.24% | 12.24% | 13.54% | 10.33% | $10.50B |
The Park National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Park National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Park National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6653) · FFIEC NIC profile (RSSD 489623)