BlastPoint's Banking Scorecard
The Park National Bank
Mid-Market
Specialty: Commercial
OH
FDIC cert 6653
Newark, OH
201
banks in Mid-Market tier nationally
5 in OH
View Mid-Market leaderboard (OH) →
The Park National Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 24% in Mid-Market
- + Deposit Franchise: Top 29% in Mid-Market
- + Revenue Diversifier: Top 40% in Mid-Market
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 25% in Mid-Market
- - Deposit Outflow: Bottom 28% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.7B
-0.1% YoY
-0.6% QoQ
|
-$713.8M |
$10.5B
+2.9% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$8.0B
+3.0% YoY
+0.7% QoQ
|
+$826.8M |
$7.1B
+4.5% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$8.3B
-1.1% YoY
-1.0% QoQ
|
-$195.4M |
$8.5B
+3.0% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
1.90%
+16.6% YoY
-2.4% QoQ
|
+0.74% |
1.16%
+9.4% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
4.99%
+8.6% YoY
+0.9% QoQ
|
+1.59% |
3.40%
+7.9% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
55.82%
-5.6% YoY
+1.2% QoQ
|
-0.79% |
56.60%
-3.2% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
0.87%
-3.8% YoY
-24.1% QoQ
|
+0.19% |
0.68%
+12.0% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
95.38%
+4.1% YoY
+1.7% QoQ
|
+9.90% |
85.47%
+1.1% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
33.03%
-4.0% YoY
+3.2% QoQ
|
+12.40% |
20.64%
-0.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.72%
+0.2% YoY
-22.8% QoQ
|
+0.22% |
0.50%
+7.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
12.08%
+5.6% YoY
+0.2% QoQ
|
-1.47% |
13.55%
+1.8% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
34% |
| Non-Interest Income / Assets ? |
1.20%
-1.6% YoY
+35.1% QoQ
|
+0.24% |
0.96%
+7.1% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#13 of 51 · Top 24% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.90%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
Deposit Franchise
growth
#7 of 22 · Top 29% in Mid-Market
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
33.03%
(Tier: 20.64%, National: 21.79%)
Net Interest Margin:
4.99%
(Tier: 3.40%, National: 3.75%)
22 of 22 Mid-Market banks match
·
176 nationally
→ Stable
+2 banks QoQ
Revenue Diversifier
growth
#20 of 49 · Top 40% in Mid-Market
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.20%
(Tier: 0.96%, National: 0.65%)
Return on Assets:
1.90%
(Tier: 1.16%, National: 1.12%)
49 of 49 Mid-Market banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (2)
Liquidity Strain
risk
#21 of 80 · Bottom 25% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
95.38%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Deposit Outflow
decline
#10 of 33 · Bottom 28% in Mid-Market
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
33 of 33 Mid-Market banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Net Interest Margin
Current: 4.99% · Tier avg: 3.40%
92
92th pctile
Return on Assets
Current: 1.90% · Tier avg: 1.16%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.03% · Tier avg: 20.64%
84
84th pctile
Non-Interest Income / Assets
Current: 1.20% · Tier avg: 0.96%
71
71th pctile
Total Loans
Current: $8.0B · Tier avg: $7.1B
66
66th pctile
Total Deposits
Current: $8.3B · Tier avg: $8.5B
64
64th pctile
Total Assets
Current: $9.7B · Tier avg: $10.5B
56
56th pctile
Efficiency Ratio
Current: 55.82% · Tier avg: 56.60%
34
34th pctile
Tier 1 Capital Ratio
Current: 12.08% · Tier avg: 13.55%
30
30th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.68%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.50%
22
22th pctile
Loan-to-Deposit Ratio
Current: 95.38% · Tier avg: 85.47%
Top Weaknesses
22
22th pctile
Loan-to-Deposit Ratio
Current: 95.38% · Tier avg: 85.47%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.50%
30
30th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.68%
34
34th pctile
Tier 1 Capital Ratio
Current: 12.08% · Tier avg: 13.55%
56
56th pctile
Efficiency Ratio
Current: 55.82% · Tier avg: 56.60%
64
64th pctile
Total Assets
Current: $9.7B · Tier avg: $10.5B
66
66th pctile
Total Deposits
Current: $8.3B · Tier avg: $8.5B
71
71th pctile
Total Loans
Current: $8.0B · Tier avg: $7.1B
84
84th pctile
Non-Interest Income / Assets
Current: 1.20% · Tier avg: 0.96%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.03% · Tier avg: 20.64%
92
92th pctile
Return on Assets
Current: 1.90% · Tier avg: 1.16%
94
94th pctile
Net Interest Margin
Current: 4.99% · Tier avg: 3.40%