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Park National Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Jan, 2026
Executive summary
Net income for Q4 2025 was $42.6 million, up 10.4% year-over-year; full-year net income reached $180.1 million, an 18.9% increase from 2024.
Diluted EPS for Q4 2025 was $2.63, up from $2.37 in Q4 2024; full-year diluted EPS was $11.11, up from $9.32.
Quarterly cash dividend increased to $1.10 per share, with a special dividend of $1.25 declared for the year.
Total assets as of December 31, 2025, were $9.8 billion.
Anticipated closing of First Citizens Bancshares, Inc. acquisition on February 1, 2026.
Financial highlights
Net interest income for 2025 was $437.3 million, up 9.9% year-over-year.
Other income for 2025 was $119.9 million, down 2.2% from 2024.
Other expense for 2025 was $324.4 million, up 0.9% year-over-year.
Return on average assets for 2025 was 1.78%, up from 1.53% in 2024.
Return on average shareholders' equity for 2025 was 13.80%, up from 12.65%.
Outlook and guidance
Management is optimistic about the upcoming integration with First Citizens Bancshares, expecting new growth opportunities.
Expected merger impact on financial condition?
Trends in new nonaccrual loans and resolutions
What drives the adjusted efficiency ratio?
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Next Park National earnings date
Q1 202620 Apr, 2026
Park National
Next Park National earnings date
Q1 202620 Apr, 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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