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Park National Corporation (PRK) investor relations material
Park National Corporation Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary28 Jul, 2025
Executive summary
Net income for Q2 2025 rose 22.2% year-over-year to $48.1 million; six-month net income up 21.1% to $90.3 million.
Diluted EPS for Q2 2025 was $2.97, up from $2.42 in Q2 2024; six-month diluted EPS was $5.56, up from $4.60.
Total assets reached $9.95 billion at June 30, 2025, up $144.2 million from year-end 2024.
Quarterly cash dividend of $1.07 per share declared, payable September 10, 2025.
Loans grew 1.9% since year-end to $7.96 billion; deposits increased 1.2% to $8.24 billion.
Financial highlights
Net interest income for the first half of 2025 was $213.4 million, up 10.3% year-over-year; Q2 2025 net interest income was $109.0 million, up 11.4%.
Provision for credit losses decreased to $3.6 million for the six months, down from $5.3 million a year ago; Q2 2025 provision was $2.85 million, down 8.4%.
Other income rose 11.8% to $32.2 million in Q2; for the six months, up 5.3% to $57.9 million.
Other expense increased 5.0% to $79.0 million in Q2; for the six months, up 3.1% to $157.1 million.
Book value per share at period end was $80.55, up 9.9% year-over-year.
Outlook and guidance
Management expects modest impact to net income from further interest rate changes, viewing the risk profile as interest rate neutral.
Liquidity sources are considered more than adequate for both short- and long-term needs.
No material changes to risk factors or forward-looking statements since the last annual report.
Management remains focused on disciplined expense control, margin expansion, and execution.
Emphasis on navigating change and delivering long-term shareholder value.
Explain the drivers behind margin expansion.
Assess the impact of off-balance sheet deposits.
How does Park manage unexpected deposit outflows?
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Next Park National Corporation earnings date
Q3 202527 Oct, 2025
Next Park National Corporation earnings date
Q3 202527 Oct, 2025
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Frequently asked questions
Park National Corporation is a U.S.-based financial holding company that provides commercial banking and financial services through its banking subsidiaries. The company offers a range of services, including personal and business banking, mortgage lending, investment services, and trust and wealth management solutions. Park National serves individuals, small businesses, and commercial clients, focusing on personalized customer service across its regional network of community banks. Its services cover various areas, including checking and savings accounts, loans, and financial planning. The company is headquartered in Newark, Ohio, and its shares are listed on the NYSE.
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