The Park National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 59.3% higher than in Q1 2026, at $16.3M. Within Ohio, The Park National Bank is 49th of 156 on loan-to-deposit ratio, 90.26% as of Q2 2026, above the middle of the field. The Park National Bank reported 90.26% on loan-to-deposit ratio for Q2 2026, 3.43 points above the 86.83% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $9.73B |
| Net loans and leases | $9.62B |
| Loans held for sale | $16.3M |
| Loans to total assets | 77.18% |
| Loan-to-deposit ratio | 90.26% |
| Net loans to equity capital | 6.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.49% |
| Multifamily (5+ residential) | 3.66% |
| Commercial and industrial | 8.83% |
| Consumer | 19.28% |
| Credit cards | 0.00% |
| Farm | 1.99% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.92% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 200.94% |
| Construction concentration (Tier 1 capital + allowance) | 43.97% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $154.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $7.35B | $8.54B | 23.30% | 9.83% | 26.84% |
| Q4 2023 | $7.48B | $8.34B | 23.47% | 9.65% | 26.03% |
| Q1 2024 | $7.52B | $8.60B | 23.61% | 9.25% | 25.59% |
| Q2 2024 | $7.66B | $8.61B | 23.71% | 9.71% | 25.22% |
| Q3 2024 | $7.73B | $8.50B | 23.65% | 9.42% | 25.13% |
| Q4 2024 | $7.82B | $8.43B | 23.88% | 9.42% | 24.44% |
| Q1 2025 | $7.88B | $8.49B | 24.15% | 9.36% | 23.80% |
| Q2 2025 | $7.96B | $8.52B | 24.86% | 9.20% | 23.49% |
| Q3 2025 | $7.99B | $8.43B | 24.96% | 9.46% | 23.30% |
| Q4 2025 | $8.05B | $8.34B | 25.78% | 9.43% | 22.64% |
| Q1 2026 | $9.67B | $11.10B | 29.01% | 9.15% | 19.23% |
| Q2 2026 | $9.73B | $10.78B | 29.49% | 8.83% | 19.28% |
The Park National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Park National Bank, freeSource: Call Report Schedule RC-C, 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)