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The Park National Bank

IDRSSD: 489623
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2025-Q3QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q3

Bank #489623 2025-Q3 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.22% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2025:
↓ -3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -17

The five pillars

Liquidity

StableQoQ -1
67
Sub-score

Liquidity is stable: brokered 5.9%, loans/deposits 93.8%, cash 2.2% of assets.

Cash / Assets
2.22%
Loans / Deposits
93.76%
Brokered %
5.90%

Watch Items

  • infoCash / Assets below 3% — Cash 2.22% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StrongQoQ +2
81
Sub-score

Capital position is strong: Tier 1 RBC 12.06%, CET1 12.06%, leverage 10.05%.

Tier 1 RBC
12.06%
CET1
12.06%
Leverage
10.05%
No watch items at this period.

Asset Quality

StrongQoQ -3
94
Sub-score

Asset quality is strong: Adjusted NPL 1.15%, Texas Ratio 8.1%, NCO YTD 0.10%.

Adjusted NPL
1.15%
Govt-guarantees stripped
Texas Ratio
8.1%
NCO YTD
0.10%
30-89 PD
0.34%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ -17
51
Sub-score

Reserves are deteriorating: ALLL 1.15% of loans, coverage 101.2%, true coverage 67.7%.

ALLL / Loans
1.15%
Coverage
101.2%
True Loss Coverage
67.7%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 13:40:52 UTC