# PARK NATIONAL BANK
NEWARK, OH · FDIC certificate 6653 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $12.61B | |
| Deposits | $10.78B | |
| Loans and leases | $9.73B | |
| Total equity | $1.56B | |
| Loans / deposits | 89.24% (p64 of band) | 85.78% |
| Liquid assets / assets | 14.61% (p11 of band) | |
| Uninsured deposits / deposits | 22.29% (p22 of band) | 38.39% |
| Brokered deposits | 1.69% | |
| Wholesale funding | 2.66% (p20 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.33% (p56 of band) | 10.17% |
| Unrealized securities loss / equity | -3.07% (p73 of band) | -7.43% |
| AOCI / equity | -0.27% (p56 of band) | |
| ROA (annualized) | 1.99% (p91 of band) | 1.24% |
| Net interest margin | 4.99% (p92 of band) | 3.57% |
| Efficiency ratio | 53.70% (p47 of band) | |
| Noncurrent loans | 0.86% (p65 of band) | 0.66% |
| Net charge-offs (annualized) | 0.09% (p52 of band) | |
| Reserve coverage of noncurrent | 132.14% | |
| Real estate % of loans | 66% | |
| Construction % of loans | 39.25% (p64 of band) | |
| Auto loans | $1.27B (13.05% of loans; DQ 0.67%, NCO 0.04%) | |
| Loans to nondepository financials | $273.8M (18% of equity) (p66 of band) | |
| Deposits YoY | 26.6% | |
| Employees | 1959 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, leverage <7%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 4 | capital falling |  |
| 2012-06 | 3 |  | capital falling |
| 2012-09 | 3 |  |  |
| 2012-12 | 4 | capital falling |  |
| 2013-03 | 3 |  | capital falling |
| 2013-06 | 2 |  | leverage <7% |
| 2013-09 | 3 | leverage <7% |  |
| 2013-12 | 2 |  | leverage <7% |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | brokered >10% |  |
| 2014-12 | 5 | leverage <7%, capital falling |  |
| 2015-03 | 5 |  |  |
| 2015-06 | 4 |  | capital falling |
| 2015-09 | 4 |  |  |
| 2015-12 | 3 |  | leverage <7% |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 5 | capital falling, uninsured deposits leaving |  |
| 2017-09 | 5 |  |  |
| 2017-12 | 3 |  | capital falling, uninsured deposits leaving |
| 2018-03 | 3 |  |  |
| 2018-06 | 1 |  | wholesale funding >15%, brokered >10% |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | noncurrent p90 |  |
| 2020-03 | 1 |  | noncurrent p90 |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 3 | noncurrent p90 |  |
| 2020-12 | 1 |  | capital falling, noncurrent p90 |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | reserve under noncurrent |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | noncurrent p90 |  |
| 2023-03 | 0 |  | noncurrent p90 |
| 2023-06 | 1 | uninsured deposits leaving |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | liquid assets <10% |  |
| 2026-03 | 0 |  | liquid assets <10% |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [Park National (PRK) Pullback Raises The Question Of Whether The Stock Is Fully Valued - simplywall.st](https://news.google.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?oc=5) · simplywall.st
- 2026-06-23 [Park National Bank closing downtown Mansfield location permanently after structural damage found - News 5 Cleveland WEWS](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNZmR1dGU3bjhzdGM3NHVRd0ZaRnFrX2MtYnlobHVJUy1VYm9oWTA1X0VYUERfVWpBbkkyLVhGWW1GeTBQVFlOckw3U3lLZ3g5NUtJV3o0NXl0LU9PV3kwX3ctRk54cmVRMHZYUFdsTEttOHN3bFpxU2xFQVE5U0lFQ0V0ZmJJZnlIbWFqY1ZuejNjal94dVgyWWJicVdLcFVjd3pEYzl5QlQ2ckN6ODJEQURUZnltdG05NTZvQ2pEdC1xS2t0UEFIRWVyaG4yaVUyQkdyQlB3aDRjYktpbVpLNUtqU1R4aldHck9V?oc=5) · News 5 Cleveland WEWS
- 2026-09-02 [Avita opens Crestline pharmacy in former Park National Bank - Mansfield News Journal](https://news.google.com/rss/articles/CBMixwFBVV95cUxOSDRuVHNQTGlHazRPZTZuOEVvaE9POUdPZmJmMnV5ZWlaM2hEdjJZNHR2MHJXVUJDbG4yeGlydl80WWFjd21sdW9iMzJVMkx6cFF4cGRfRTFPUkVUNjBMLXFyc3R6RTBkUE1veEhSdHhpRnNuV2tIQVV4bXpRSUdPZ1NadGRVSXpYa2VjN1ZyTUc1RWdfckpmVjl2VTZ2WnR1WlpYajVOYjNveXh4YWQzeDRJekt5SlJ2YXFLaktmVFZRRW9oOW1z?oc=5) · Mansfield News Journal
- 2026-06-17 [Park National Bank terminates leases in downtown Mansfield office building - Richland Source](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPQnFTTjl4TzlMRVE0TUFmUHJKMmZWZU5HdGx2T3VZLVlleU5PaGV6U253TVNlQktXVEppVHFMemdFeGl6Yk8zM0NjbkpySkJPSWZRNVJrSzZQUDlxOEZJbVlKZEdzVzZHY1pUX2hxRlRrRHRGZldFd29ERXdxajhnYXd0ODdyaXpBMVRBNnNMaDhsczNJaWxpMDUtYVduMmthUXN4Qk93MXFqNGNUd093UVhVcF8wZHFv?oc=5) · Richland Source
- 2026-06-25 [Park National grows to a large bank with new CEO, acquisition - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxQY3I0c0I0YXVIYk1TOC1hVXZBQThRUFV5RHRQWXlCbnhoaG5NbnJWQUVGV3Zld1ZqeDc5ZWdnRWVLZVlQRjRjbHhsVE1UakhmelBVNkhrVGZSdV9CUERPNXVhOEVoRFJ5Y0gzY3RPbHJrWl9Sbmh5Q01hXy0xVXRmVWFBazA3RVhyalhGdW11Y0g5SzRfbzlrcENFUUExUQ?oc=5) · The Business Journals
- 2026-08-24 [Park National Bank opens in Thomsen Farms - Talk-N West TN](https://news.google.com/rss/articles/CBMidEFVX3lxTE5kQnhKeVpuS3NPUTFqWmVWNVlqcjg1eG9LTHJrYkFUeG1tcVJpMG1GWU1NOVJsMjgxMFRVbTAyOU1WU0o1OXZBeVJtSVNtNVBURmNvSlU1QXZCM0VwY25nRER2NFM3ZjI4SExGaXhUUWlSb0Qw?oc=5) · Talk-N West TN
- 2026-02-02 [Park National Bank announces completion of First Citizens National Bank merger - GlobeNewswire](https://news.google.com/rss/articles/CBMi6AFBVV95cUxPSy1TM2ZzcVcxa1VWOWVLdXNtSHNTcFJFeE1VTUhqSHA3Z0Y2Q3ZQMEJ2OWdyWUdSV2RmZ2FvcldLTzdkQWhjTWVIeWJxMkhWRGZXdjlob1VycVo1UWphY0Fxc3VudkFld3lKak56SU1qdlJ4MEN3N2tFeWY1a2ZwVGZzMlJydFhHemRzWmhCeGVSVDJFaDVveEk4dHZDSEtWNkgwazFvQ2ZZUVBKYWdiQmdEQUhHU3k1WEI1NW1sZFFIZTVrRnFDd0tPa3ItQjJTODBCTXg2cnJZN0c4dzVfd3VEdUNmUnhM?oc=5) · GlobeNewswire
- 2026-08-27 [Deutsche Bank AG Purchases Shares of 17,800 Park National Co. $PRK - MarketBeat](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPN21qUFdDMTNCX3ZfRnFKdUlsTENtRDFESThwQVpEOGVOYUpSS2pGZDdiZDRIZ2ljdElWdmpnZzdSc21Ib0w4Z1U4anlOYlcweGdoVm8xcS1vOFNFZlVtNHVYVm14blhOc3E0Z2pKeEhFWVAtRVhzNjlrNnpudjBGa3dKcnVQUXNKMS1RNEk3TkZST2ZtY0t5bDA5QUZnTXdXemdqellRUE8wdWNLSk5MM2F4Z2Utckp5Ynlacm8tc3pmdw?oc=5) · MarketBeat

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6653 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/61.json (key "6653", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide