---
schema_version: "secwatch.filing_event.v1"
accession: "0000805676-25-000041"
form_type: "8-K"
ticker: "PRK"
cik: "0000805676"
company_name: "PARK NATIONAL CORP /OH/"
filed_at: "2025-04-25T23:59:59+00:00"
generated_at: "2026-05-23T06:25:29.338692+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Park National Q1 2025 net income $42.2M, up 19.8% YoY; NII grows 9.2%

## Summary
- Net income $42.2M (Q1 2025), up 19.8% YoY; pre-tax pre-provision income $52.0M, up 16.5%.
- Net interest income $104.4M, up 9.2% YoY on loan growth and higher yields; loan yield 6.26% vs 5.99%.
- Provision for credit losses $756K vs $2.2M YoY; net charge-offs $592K, 0.03% annualized.
- Loans $7.88B (+4.8% YoY) led by commercial (+6.8%) and real estate (+7.8%); deposits $8.20B (-1.3% YoY).
- Efficiency ratio 59.79% vs 63.07% a year ago; annualized ROAA 1.70% vs 1.44%.

## SEC filing metadata
- accession: 0000805676-25-000041
- form_type: 8-K
- ticker: PRK
- cik: 0000805676
- company_name: PARK NATIONAL CORP /OH/
- filed_at: 2025-04-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/805676/000080567625000041/0000805676-25-000041-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/805676/000080567625000041/prk-20250425.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000805676-25-000041
- JSON: https://secwatch.observer/filing/0000805676-25-000041.json
- Plain text: https://secwatch.observer/filing/0000805676-25-000041.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.