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Park National Corporation (PRK) investor relations material
Park National Corporation Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary27 Oct, 2025
Executive summary
Net income for Q3 2025 was $47.2 million, up 23.4% year-over-year; nine-month net income rose 21.8% to $137.4 million.
Pre-tax, pre-provision net income for Q3 2025 increased 19.6% to $62.1 million; for nine months, up 19.1% to $176.3 million.
Diluted EPS for Q3 2025 was $2.92, up from $2.35 in Q3 2024; nine-month diluted EPS was $8.48, up from $6.95.
A merger agreement with First Citizens Bancshares was announced, expected to close in Q1 2026, expanding the branch network and asset base.
Quarterly cash dividend of $1.07 per share and a special one-time dividend of $1.25 per share declared.
Financial highlights
Net interest income for nine months ended September 30, 2025, was $324.4 million, up 10.1% year-over-year.
Net interest income for Q3 2025 was $111.0 million, a 9.8% increase year-over-year.
Net interest margin improved to 4.72% in Q3 2025 from 4.45% in Q3 2024.
Provision for credit losses decreased to $7.6 million for the nine months, down from $10.6 million year-over-year.
Other income for the nine months was $88.5 million, down 3.3% year-over-year, mainly due to lower bank owned life insurance income and absence of pension settlement gain.
Total other expense for the nine months was $236.6 million, a 0.6% decrease year-over-year.
Loans outstanding at September 30, 2025, were $7.99 billion, up 2.2% from December 31, 2024.
Total deposits at September 30, 2025, were $8.33 billion, up 2.3% from year-end.
Outlook and guidance
The merger with First Citizens is expected to close in Q1 2026, subject to regulatory and shareholder approvals.
Management expects the combined company to have over 100 branches and more than $12 billion in assets.
Management remains focused on relationship-driven banking, disciplined expense management, and long-term stakeholder value.
Interest rate risk is considered neutral, with modest impact expected from future rate changes.
Rationale for special dividend?
Drivers of increased new nonaccrual loans?
Reason for investment securities reduction?
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Next Park National Corporation earnings date
Q4 202526 Jan, 2026
Next Park National Corporation earnings date
Q4 202526 Jan, 2026
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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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