MEDIUMBuilt-inLoan_portfolio
42.9%
commercial loans
“10-K Item 1: 'approximately $3,453 million in commercial loans...representing approximately 42.9% of their total aggregate loan portfolio'”
PRK · Concentration risk · 10-K extracted
Park National (PRK) concentration risks
Updated
The most significant concentration Park National discloses is commercial loans at 42.9%, classified MEDIUM by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Park National’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH0
MEDIUM3
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inLoan_portfolio
34.5%
residential real estate and construction loans
“10-K Item 1: 'approximately $2,775 million in construction real estate loans and residential real estate loans, representing approximately 34.5% of total loans outstanding'”
MEDIUMBuilt-inGeographic
Ohio, Kentucky, North Carolina, South Carolina
“10-K Item 1A: 'Our lending and deposit gathering activities are concentrated primarily in Ohio, Kentucky, North Carolina, South Carolina and, as of February 1, 2026, Tennessee'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-06-24The company's concentration profile is loan-portfolio driven, with a geographic overlay — all three disclosures are structural in character and reflect deliberate balance-sheet strategy rather than reliance on any single borrower or counterparty. Commercial loans represent the largest category at approximately 42.9% of the total aggregate loan portfolio. Residential real estate and construction loans add a further approximately 34.5% of total loans outstanding. Together these two segments account for the substantial majority of the loan book, and because both are rate-sensitive and tied to the health of local real estate markets and business conditions, a simultaneous downturn in commercial credit quality and residential real estate values could compress net interest margin and raise provision expense across the same reporting period. The geographic scope of lending and deposit-gathering is concentrated primarily in Ohio, Kentucky, North Carolina, South Carolina, and, as of February 2026, Tennessee — a moderate-share structural exposure. This regional footprint creates correlation between the portfolio segments: economic weakness in these specific states would affect both the commercial loan book and the residential portfolio concurrently, limiting the diversification benefit that geographic breadth might otherwise provide for a larger institution. On balance, the concentration profile is well-understood for a regional bank of this scale. The two loan-type concentrations at moderate share, combined with a multi-state but regionally bounded footprint, describe a business whose credit performance is meaningfully tied to economic conditions in a defined set of southeastern and midwestern markets.
For the engine’s reasoning on PRK’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| ASB | Associated Banc-Corp | 2 | 3 | 0 | 5 |
| BANC | Banc of California, Inc. | 2 | 0 | 0 | 2 |
| AX | Axos Financial, Inc. | 1 | 1 | 0 | 2 |
| AUB | Atlantic Union Bankshares Corpo | 0 | 3 | 0 | 3 |
| PRK● | Park National Corporation | 0 | 3 | 0 | 3 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.