The Park National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 5.55 percentage points in Q2 2026, from 85.95% to 80.41%. It was the largest change from Q1 2026 among the key lines here. Among 156 Ohio banks, The Park National Bank sits 15th from the top on return on assets, 1.91% as of Q2 2026. The Park National Bank reported 1.91% on return on assets for Q2 2026, 0.62 points above the 1.30% median for banks in the $10B-100B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.24% |
| Tier 1 risk-based capital ratio | 12.24% |
| Total risk-based capital ratio | 13.54% |
| Tier 1 leverage ratio | 10.33% |
| Equity capital to assets | 12.39% |
| Tangible equity to tangible assets | 10.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.41% |
| Non-performing assets ratio | 1.25% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 11.66% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 80.41% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.91% |
| Return on equity | 15.69% |
| Net interest margin | 4.77% |
| Efficiency ratio | 52.56% |
| Yield on earning assets | 5.93% |
| Cost of funds | 1.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.26% |
| Core deposits to total deposits | 94.91% |
| Brokered deposits to total deposits | 1.97% |
| Deposits to assets | 85.51% |
| Securities to assets | 10.02% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.92% | 10.92% | 12.34% | 8.96% | 1.63% |
| Q4 2023 | 10.95% | 10.95% | 12.35% | 9.11% | 1.11% |
| Q1 2024 | 11.11% | 11.11% | 12.52% | 9.34% | 1.50% |
| Q2 2024 | 11.23% | 11.23% | 12.64% | 9.62% | 1.70% |
| Q3 2024 | 11.35% | 11.35% | 12.77% | 9.76% | 1.64% |
| Q4 2024 | 11.44% | 11.44% | 12.85% | 9.80% | 1.63% |
| Q1 2025 | 11.69% | 11.69% | 13.09% | 10.01% | 1.76% |
| Q2 2025 | 11.84% | 11.84% | 13.25% | 10.18% | 1.95% |
| Q3 2025 | 12.06% | 12.06% | 13.48% | 10.23% | 1.97% |
| Q4 2025 | 12.08% | 12.08% | 13.53% | 10.45% | 1.71% |
| Q1 2026 | 12.07% | 12.07% | 13.40% | 10.94% | 1.90% |
| Q2 2026 | 12.24% | 12.24% | 13.54% | 10.33% | 1.91% |
The Park National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Park National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)