The Park National Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Cash and balances due from depository institutions dropped 41.4% in Q2 2026, from $986.7M to $577.8M. It was the largest change from Q1 2026 among the key lines here. The Park National Bank ranks 49th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 90.26% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. The Park National Bank sits 3.43 points higher, at 90.26% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $577.8M |
| Cash and noninterest-bearing balances to assets | 4.58% |
| Cash and securities | $1.84B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $122.4M |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $25.0M |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.26% |
| Net loans and leases to deposits | 89.24% |
| Loans and leases to core deposits | 94.73% |
| Core deposits to total deposits | 94.91% |
| Brokered deposits to total deposits | 1.97% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 86.10% | 98.94% | $105.8M | $247.0M |
| Q4 2023 | 89.63% | 96.68% | $108.2M | $220.0M |
| Q1 2024 | 87.45% | 96.48% | $105.9M | $0 |
| Q2 2024 | 89.04% | 96.39% | $94.5M | $0 |
| Q3 2024 | 90.93% | 97.02% | $87.4M | $30.0M |
| Q4 2024 | 92.67% | 95.85% | $90.4M | $0 |
| Q1 2025 | 92.82% | 97.08% | $81.0M | $0 |
| Q2 2025 | 93.48% | 97.02% | $95.7M | $0 |
| Q3 2025 | 94.85% | 97.08% | $78.1M | $0 |
| Q4 2025 | 96.49% | 97.04% | $81.7M | $0 |
| Q1 2026 | 87.11% | 94.87% | $135.2M | $0 |
| Q2 2026 | 90.26% | 94.91% | $122.4M | $0 |
The Park National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Park National Bank, freeSource: Call Report Schedules RC and RC-M, 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)