PARK NATIONAL CORP /OH/
For the period ended Sep 30, 2026. Filed Nov 5, 2026.
View on SEC.govAbout this filing
A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2026 · Filed Nov 5, 2026
What changed in Risk Factors?
Read the current filingPrevious report: 10-Q
Period ended 2026-06-30; filed 2026-08-07.
0000805676-26-000061
Item 1A. Risk FactorsCurrent report: 10-Q
Period ended 2026-09-30; filed 2026-11-05.
0000805676-26-000073
Item 1A. Risk FactorsThe baseline is this issuer’s latest earlier reporting period of the same form that was filed before the current report. A previous 10-Q is a different quarter, not a year-over-year comparison. Amendments are excluded.
Compared 2 previous paragraphs and 4 current paragraphs.
1 unchanged; 1 reworded; 1 added; 0 removed; 0 previous and 1 current paragraphs rearranged.
Tables are not compared: 0 previous and 0 current tables excluded. Dates, whitespace, punctuation and numbering changes are ignored; changes to financial figures remain significant.
A changed paragraph is not evidence that risk increased or decreased. An unchanged paragraph does not establish that risk stayed the same.
The current filing states there were no material changes to risk factors.
This is the filer’s own statement, not a conclusion from the comparison. Read its qualifications and the report it references.
Current filing’s statement
There have been no material changes to the risk factors set forth in Park's 2025 Form 10-K. However, investors should carefully consider the risks associated with the integration of the First Citizens acquisition, including the successful realization of anticipated benefits, retention of customers and employees, and the integration of operations, systems, credit administration practices and risk management processes. Investors should also consider the potential effects of continued geopolitical instability, including conflicts involving Iran and other international developments, as well as tariffs and other trade-related policies that may contribute to economic uncertainty, inflationary pressures, volatility in financial markets, and stress for certain borrowers and industries. While management does not believe these developments represent material changes to the risk factors previously disclosed in Park's 2025 Form 10-K, such factors continue to be monitored and could adversely affect future operating results, asset quality, liquidity, or financial condition.
Added paragraphs (1)
Current report
There have been no material changes to the risk factors set forth in Park's 2025 Form 10-K. However, investors should carefully consider the risks associated with the integration of the First Citizens acquisition, including the successful realization of anticipated benefits, retention of customers and employees, and the integration of operations, systems, credit administration practices and risk management processes. Investors should also consider the potential effects of continued geopolitical instability, including conflicts involving Iran and other international developments, as well as tariffs and other trade-related policies that may contribute to economic uncertainty, inflationary pressures, volatility in financial markets, and stress for certain borrowers and industries. While management does not believe these developments represent material changes to the risk factors previously disclosed in Park's 2025 Form 10-K, such factors continue to be monitored and could adversely affect future operating results, asset quality, liquidity, or financial condition.
Reworded paragraphs (1)
Previous wording
There are certain risks and uncertainties in our business that could cause Park's actual results to differ materially from those anticipated. In “ITEM 1A. RISK FACTORS” of Part I of Park’s 2025 Form 10-K, we included a detailed discussion of our risk factors. All of these risk factors should be read carefully in connection with evaluating Park's business and in connection with the forward-looking statements contained in this Quarterly Report on Form 10-Q. There have been no material changes to the risk factors set forth in Park's 2025 Form 10-K. Any of the risks described in Park's 2025 Form 10-K could materially adversely affect our business, financial condition or future results and the actual outcome of matters as to which forward-looking statements are made. These are not the only risks we face. Additional risks and uncertainties not currently known to us or that we currently deem to be immaterial also may materially adversely affect our business, financial condition and/or operating results.
Current wording
There are certain risks and uncertainties in our business that could cause Park's actual results to differ materially from those anticipated. In “ITEM 1A. RISK FACTORS” of Part I of Park’s 2025 Form 10-K, we included a detailed discussion of our risk factors. All of these risk factors should be read carefully in connection with evaluating Park's business and in connection with the forward-looking statements contained in this Quarterly Report on Form 10-Q.
Rearranged current paragraphs (1)
Current report — wording carried from elsewhere
Any of the risks described in Park's 2025 Form 10-K could materially adversely affect our business, financial condition or future results and the actual outcome of matters as to which forward-looking statements are made. These are not the only risks we face. Additional risks and uncertainties not currently known to us or that we currently deem to be immaterial also may materially adversely affect our business, financial condition and/or operating results.