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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
82
/ 100
StrongAs of 2025-Q4QoQ +2

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

Quarterly Headline

2025-Q4

Bank #489623 2025-Q4 Vital Signs Score: 82/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.39% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↑ +2 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↑ 0
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +11

The five pillars

Liquidity

StableQoQ 0
67
Sub-score

Liquidity is stable: brokered 4.7%, loans/deposits 95.4%, cash 2.4% of assets.

Cash / Assets
2.39%
Loans / Deposits
95.38%
Brokered %
4.71%

Watch Items

  • infoCash / Assets below 3% — Cash 2.39% 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 0
81
Sub-score

Capital position is strong: Tier 1 RBC 12.08%, CET1 12.08%, leverage 10.26%.

Tier 1 RBC
12.08%
CET1
12.08%
Leverage
10.26%
No watch items at this period.

Asset Quality

StrongQoQ +2
96
Sub-score

Asset quality is strong: Adjusted NPL 0.87%, Texas Ratio 6.2%, NCO YTD 0.13%.

Adjusted NPL
0.87%
Govt-guarantees stripped
Texas Ratio
6.2%
NCO YTD
0.13%
30-89 PD
0.36%
Band 0.3% / 3.0%
90+ PD
0.03%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +11
62
Sub-score

Reserves are stable: ALLL 1.15% of loans, coverage 134.2%, true coverage 75.6%.

ALLL / Loans
1.15%
Coverage
134.2%
True Loss Coverage
75.6%
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