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Dec 31, 2025
Park National Q4 2025 Earnings Report
Park National reported higher earnings in Q4 2025, with increased net income and strong loan performance.
Key Takeaways
Park National delivered solid Q4 2025 results with rising net income, improved EPS, and consistent loan growth, while managing nonperforming loans effectively.
Net income for Q4 2025 rose to $42.6 million, up from $38.6 million in Q4 2024.
Diluted EPS reached $2.63 in Q4 2025, compared to $2.37 a year earlier.
Total loans grew to $8.05 billion, representing a 3.0% increase year-over-year.
Nonperforming loans declined slightly to 0.86% of total loans, improving asset quality.
Forward Guidance
Park National is optimistic about its upcoming acquisition and continued financial momentum in 2026.
Positive Outlook
- Continued loan and deposit growth supports future earnings.
- Strong net interest income provides a solid revenue base.
- Healthy asset quality reflected in reduced nonperforming loans.
- Increased dividend demonstrates confidence in future cash flows.
- Expected benefits from First Citizens Bancshares acquisition.
Challenges Ahead
- Net interest margin may face pressure from interest rate volatility.
- Efficiency ratio increased, reflecting rising operating expenses.
- Slight decrease in total assets quarter-over-quarter.
- Loan charge-offs increased compared to previous quarter.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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