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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Ohio, the state note

Park National Bank

Newark, Ohio · $12.61B in assets · beside the 7 other Ohio banks over $10B

The filing

28.8%
CRE / loans
8th of 8
1.83%
ROA
1st of 8
197.3%
CRE / capital
8th of 8

Park National Bank is the smallest of the 8 Ohio banks over $10B, with $12.61B in assets at 30 June 2026. Loans are 90.3% of deposits, 7th of 8 against a median of 76.8%, and equity is 12.4% of assets, 3rd of 8. Loans grew +22.2% in the year, 3rd of 8, and deposits grew 26.6%; the cohort's median loan growth is +13.0%.

Noncurrent loans are 0.86% of the book, 6th of 8 against a median of 0.85%; 0.37% is 30 to 89 days past due, and the allowance covers them 1.3 times. Net charge-offs are 0.11% of loans, 2nd of 8. Commercial real estate is 28.8% of loans, the highest in the cohort against a median of 12.3%, and 197% of capital, below the 300% screen, with construction at 43% against the 100% screen. CRE has grown +84.4% over 36 months, past the guidance's 50% prong.

Return on assets is 1.83%, the highest in the cohort against a median of 1.25%, on an efficiency ratio of 54.7%, 2nd of 8. Five years ago it was 1.75%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 10.6% of loans).

Commercial real estate, share of loansOH banks over $10B · 30 June 2026 · lower is stronger, listed first
median 12.3% TF Third Federal Savings & Loan Association of Cleveland 0.0% US U S Bank National Association 10.1% JC JPMorgan Chase Bank N.A. 10.6% FT Fifth Third Bank N.A. 12.0% KN KeyBank National Association 12.6% HN Huntington National Bank 12.9% FF First Financial Bank 28.4% PN Park National Bank 28.8%
Loans, year over yearOH banks over $10B · 30 June 2026 · no better direction, largest first
median +13.0% FT Fifth Third Bank N.A. +45.8% HN Huntington National Bank +40.9% PN Park National Bank +22.2% FF First Financial Bank +16.6% JC JPMorgan Chase Bank N.A. +9.4% US U S Bank National Association +8.1% KN KeyBank National Association +4.3% TF Third Federal Savings & Loan Association of Cleveland +3.6%

SBA 7(a), FY2008 to FY2026

Park National Bank is the 32nd largest 7(a) lender into Ohio of 361, with $84M across 321 loans, 0.6% of everything approved in the state (The Huntington National Bank leads with $5.20B). 44 of its 75 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Ohio, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Madison, TN$18M2nd of 4416.0%quiet FY2017
Richland, OH$15M2nd of 4014.2%thin
Franklin, OH$11M26th of 1660.5%-0.3 pts
Mecklenburg, NC$9M43rd of 1770.4%+0.1 pts
Anderson, SC$6M3rd of 684.2%thin
Knox, OH$6M3rd of 2914.2%quiet FY2021
Licking, OH$5M10th of 602.4%+2.0 pts
Darke, OH$5M1st of 2817.4%quiet FY2018
Miami, OH$4M13th of 502.6%thin
Spartanburg, SC$4M24th of 831.3%-0.3 pts
Forsyth, GA$4M47th of 1200.5%thin
Clermont, OH$4M19th of 591.2%thin
Muskingum, OH$3M4th of 303.8%thin
62 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing65$48M34.2%0.12%148th of 2,246
Accommodation & food services67$18M12.7%0.02%409th of 2,596
Retail trade66$17M12.1%0.03%347th of 2,589
Construction42$10M7.3%0.03%363rd of 2,063
Professional & technical services24$10M7.1%0.03%295th of 1,955
7(a) lenders into Ohio, share of approvals since FY2008361 lenders on record; the ten largest and Park National Bank
TH The Huntington National Bank 34.6% $5.20B · 33,020 loans KN KeyBank National Association 4.7% $713M · 2,039 loans LO Live Oak Banking Company 4.1% $620M · 502 loans UB U.S. Bank, National Association 3.8% $570M · 2,992 loans FT Fifth Third Bank 2.8% $414M · 977 loans FF First Financial Bank 2.3% $349M · 970 loans FC First Commonwealth Bank 2.3% $346M · 539 loans JC JPMorgan Chase Bank, National Ass… 1.9% $285M · 1,869 loans UM United Midwest Savings Bank Natio… 1.8% $268M · 375 loans PB PNC Bank, National Association 1.6% $241M · 1,176 loans TP The Park National Bank 0.6% $84M · 321 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Park National BankRankCohort median
Total CRE against capital, the 300% screen197%8th of 867%
Construction against capital, the 100% screen43%8th of 816%
Construction and land development, share of loans6.3%8th of 82.7%
Non-owner-occupied nonfarm nonresidential, share of loans18.9%8th of 85.2%
Total CRE, the guidance definition, share of loans28.8%8th of 812.3%
CRE growth over 36 months, the third prong+84.4%7th of 8+8.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
JPMorgan Chase Bank N.A.$4091.32B1.5%54.5%0.78%0.60%1.7%55.4%8.3%
U S Bank National Association$705.55B1.2%56.1%1.45%0.52%1.8%76.3%9.8%
Fifth Third Bank N.A.$299.18B0.9%68.0%0.84%0.31%1.6%74.5%12.6%
Huntington National Bank$283.07B1.0%61.7%1.06%0.24%1.7%84.2%11.8%
KeyBank National Association$188.56B1.3%54.9%0.86%0.39%1.3%70.6%9.9%
First Financial Bank$22.35B1.5%57.5%0.70%0.27%1.4%77.3%13.4%
Third Federal Savings & Loan Association of Cleveland$18.06B0.6%60.7%0.25%-0.02%0.5%159.7%9.9%
Park National Bank$12.61B1.8%54.7%0.86%0.11%1.1%90.3%12.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Park National BankCohort median
20212026Change20212026Change
Loans$7.03B$9.73B+38%$108.07B$145.60B+35%
Deposits$8.48B$10.78B+27%$148.24B$192.80B+30%
NPA / loans1.38%0.86%-0.52 pts0.97%0.85%-0.12 pts
Efficiency57.3%54.7%-2.6 pts59.8%56.8%-3.0 pts
ROA1.75%1.83%+0.08 pts1.39%1.25%-0.14 pts

This read was prepared for Park National Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Park National Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OH banks over $10B
Institution www.parknationalbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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