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The Park National Bank
Newark, OH·FDIC Cert #6653·Charter: OCC·Est. 19080708.0·HC: PARK NATIONAL CORP
Total Assets
$9.7B
Q4 2025
Return on Assets
1.90%
-0.05%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
55.82%
Peer avg: 56.3%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.90%-0.05
ROE
16.42%-0.59
Efficiency
55.82%+0.68
Equity/Assets
0.00%+0.00
NPL Ratio
0.87%-0.28
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
95.38%+1.62
Charge-offs
0.10%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.5 | 1.6 | 1.6 | 1.6 | 1.8 | 1.9 | 2.0 | 1.9 |
| ROE | 14.8 | 15.7 | 15.5 | 15.4 | 16.1 | 16.8 | 17.0 | 16.4 |
| Efficiency | 60.2 | 58.5 | 58.9 | 59.1 | 57.3 | 55.8 | 55.1 | 55.8 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.0 | 1.0 | 0.9 | 0.9 | 0.8 | 0.8 | 1.1 | 0.9 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 86.5 | 88.0 | 89.9 | 91.6 | 91.8 | 92.4 | 93.8 | 95.4 |
Balance Sheet
Total Assets$9.7B
Total Deposits$8.3B
Total Loans$8.0B
Total Equity$1.2B
Profitability
ROA1.90%
ROE16.42%
Efficiency Ratio55.82%
Net Income$186.7M
Risk & Asset Quality
NPL Ratio0.87%
Charge-off Rate0.10%
Loan/Deposit95.38%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans