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Loans (Tables)

3 Months Ended

Mar. 31, 2025

Loans and Leases Receivable Disclosure [Line Items]

Composition Of Loan Portfolio By Class Of Loan

The composition of the loan portfolio at March 31, 2025 and at December 31, 2024 was as follows:

 

			March 31, 2025									December 31, 2024
(In thousands)			Amortized Cost									Amortized Cost
Commercial, financial and agricultural: (1)
Commercial, financial and agricultural (1)			$	1,246,160								$	1,268,110
Overdrafts			1,068									1,475
Commercial real estate (1)			2,029,349									1,994,332
Construction real estate:
Commercial			362,857									311,122
Retail			99,504									101,455
Residential real estate:
Commercial			663,220									644,418
Mortgage			1,360,827									1,346,543
HELOC			209,191									203,459
Installment			6,032									6,013
Consumer:
Consumer			1,874,845									1,908,473
Check loans			1,845									1,899
Leases			28,837									29,829
Total			$	7,883,735								$	7,817,128
Allowance for credit losses			(88,130)									(87,966)
Net loans			$	7,795,605								$	7,729,162

(1) Included within each of commercial, financial and agricultural loans and commercial real estate loans is an immaterial amount of consumer loans that were not broken out by class.

Recorded Investment In Nonaccrual Restructured And Loans Past Due 90 Days Or More And Accruing

The following tables present the amortized cost of nonaccrual loans and loans past due 90 days or more and still accruing, by class of loan, at March 31, 2025 and December 31, 2024.

 

						March 31, 2025
(In thousands)						Nonaccrual Loans									Loans Past Due 90 Days  or More and Accruing						Total Nonperforming Loans
Commercial, financial and agricultural:
Commercial, financial and agricultural						$	22,993								$	2					$	22,995
Overdrafts						—									—						—
Commercial real estate						22,929									—						22,929
Construction real estate:
Commercial						100									—						100
Retail						20									—						20
Residential real estate:
Commercial						1,764									—						1,764
Mortgage						10,383									391						10,774
HELOC						815									40						855
Installment						50									—						50
Consumer:
Consumer						2,865									786						3,651
Check loans						—									—						—
Leases						10									—						10
Total loans						$	61,929								$	1,219					$	63,148

						December 31, 2024
(In thousands)						Nonaccrual Loans						Loans Past Due 90 Days or More and Accruing						Total Nonperforming Loans
Commercial, financial and agricultural
Commercial, financial and agricultural						$	24,241					$	—					$	24,241
Overdrafts						—						—						—
Commercial real estate						23,230						—						23,230
Construction real estate:
Commercial						8						—						8
Retail						22						—						22
Residential real estate:
Commercial						5,700						—						5,700
Mortgage						11,368						913						12,281
HELOC						918						15						933
Installment						31						—						31
Consumer
Consumer						2,643						826						3,469
Check loans						—						—						—
Leases						17						—						17
Total loans						$	68,178					$	1,754					$	69,932

Financing Receivable, Nonaccrual

The following tables provide additional detail on nonaccrual loans and the related ACL, by class of loan, at March 31, 2025 and December 31, 2024:

						March 31, 2025
(In thousands)						Nonaccrual Loans With No ACL						Nonaccrual Loans With an ACL						Related ACL
Commercial, financial and agricultural:
Commercial, financial and agricultural						$	19,211					$	3,782					$	988
Overdrafts						—						—						—
Commercial real estate						22,139						790						68
Construction real estate:
Commercial						100						—						—
Retail						—						20						1
Residential real estate:
Commercial						1,764						—						—
Mortgage						—						10,383						118
HELOC						—						815						93
Installment						—						50						20
Consumer
Consumer						—						2,865						868
Check loans						—						—						—
Leases						10						—						—
Total loans						$	43,224					$	18,705					$	2,156

						December 31, 2024
(In thousands)						Nonaccrual Loans With No ACL						Nonaccrual Loans With an ACL						Related ACL
Commercial, financial and agricultural:
Commercial, financial and agricultural						$	18,778					$	5,463					$	1,261
Overdrafts						—						—						—
Commercial real estate						23,230						—						—
Construction real estate:
Commercial						8						—						—
Retail						—						22						1
Residential real estate:
Commercial						3,755						1,945						39
Mortgage						—						11,368						128
HELOC						—						918						154
Installment						—						31						1
Consumer
Consumer						—						2,643						786
Check loans						—						—						—
Leases						17						—						—
Total						$	45,788					$	22,390					$	2,370

Schedule of impaired financing receivables additional info

The following tables provide the amortized cost basis of collateral-dependent loans by class of loan, at March 31, 2025 and at December 31, 2024:

						March 31, 2025
(In thousands)						Real Estate						Business Assets						Other			Total
Commercial, financial and agricultural
Commercial, financial and agricultural						$	5,535					$	12,336					$	18,723		$	36,594
Commercial real estate						24,243						5						—			24,248
Construction real estate:
Commercial						669						—						—			669
Residential real estate:
Commercial						1,938						—						—			1,938
Mortgage						77						—						—			77
Leases						—						10						—			10
Total loans						$	32,462					$	12,351					$	18,723		$	63,536

						December 31, 2024
(In thousands)						Real Estate						Business Assets						Other			Total
Commercial, financial and agricultural
Commercial, financial and agricultural						$	5,583					$	11,423					$	22,187		$	39,193
Commercial real estate						24,539						8						—			24,547
Construction real estate:
Commercial						589						—						—			589
Residential real estate:
Commercial						5,898						—						—			5,898
Mortgage						78						—						—			78
Leases						—						17						—			17
Total loans						$	36,687					$	11,448					$	22,187		$	70,322

Interest income on nonaccrual loans is recognized on a cash basis only when Park expects to receive the entire recorded investment in the loans. The following table presents interest income recognized on nonaccrual loans for the three-month periods ended March 31, 2025 and 2024:

						Interest Income Recognized
(In thousands)						Three Months Ended March 31, 2025									Three Months Ended March 31, 2024
Commercial, financial and agricultural:
Commercial, financial and agricultural						$	332								$	264
Overdrafts						—									—
Commercial real estate						260									255
Construction real estate:
Commercial						1									37
Retail						—									—
Residential real estate:
Commercial						22									48
Mortgage						92									70
HELOC						8									5
Installment						—									—
Consumer:
Consumer						45									31
Check loans						—									—
Leases						—									—
Total loans						$	760								$	710

Financing Receivable, Past Due

The following tables present the aging of the amortized cost in past due loans at March 31, 2025 and at December 31, 2024 by class of loan:

			March 31, 2025
(In thousands)			Accruing  Loans Past Due  30-89 Days						Past Due  Nonaccrual Loans and Loans Past Due 90 Days or More and  Accruing (1)						Total Past  Due						Total Current (2)						Total  Amortized Cost
Commercial, financial and agricultural:
Commercial, financial and agricultural			$	2,075					$	9,571					$	11,646					$	1,234,514					$	1,246,160
Overdrafts			—						—						—						1,068						1,068
Commercial real estate			685						1,926						2,611						2,026,738						2,029,349
Construction real estate:
Commercial			—						—						—						362,857						362,857
Retail			245						—						245						99,259						99,504
Residential real estate:
Commercial			633						298						931						662,289						663,220
Mortgage			10,645						5,347						15,992						1,344,835						1,360,827
HELOC			133						583						716						208,475						209,191
Installment			2						22						24						6,008						6,032
Consumer:
Consumer			8,537						1,195						9,732						1,865,113						1,874,845
Check loans			5						—						5						1,840						1,845
Leases			—						—						—						28,837						28,837
Total loans			$	22,960					$	18,942					$	41,902					$	7,841,833					$	7,883,735

(1) Includes an aggregate of $1.2 million of loans past due 90 days or more and accruing. The remaining loans were past due nonaccrual loans.

(2) Includes an aggregate of $44.2 million of nonaccrual loans which were current with respect to contractual principal and interest payments.

			December 31, 2024
(in thousands)			Accruing  Loans Past Due  30-89 Days						Past Due  Nonaccrual Loans and Loans Past Due 90 Days or More and  Accruing (1)						Total Past  Due						Total Current (2)						Total  Amortized Cost
Commercial, financial and agricultural
Commercial, financial and agricultural			$	1,901					$	13,234					$	15,135					$	1,252,975					$	1,268,110
Overdrafts			—						—						—						1,475						1,475
Commercial real estate			458						2,594						3,052						1,991,280						1,994,332
Construction real estate:
Commercial			—						—						—						311,122						311,122
Retail			100						22						122						101,333						101,455
Residential real estate:
Commercial			—						2,164						2,164						642,254						644,418
Mortgage			13,403						5,946						19,349						1,327,194						1,346,543
HELOC			438						620						1,058						202,401						203,459
Installment			39						22						61						5,952						6,013
Consumer
Consumer			10,309						1,195						11,504						1,896,969						1,908,473
Check loans			3						—						3						1,896						1,899
Leases			—						—						—						29,829						29,829
Total loans			$	26,651					$	25,797					$	52,448					$	7,764,680					$	7,817,128

(1) Includes an aggregate of $1.8 million of loans past due 90 days or more and accruing. The remaining loans were past due nonaccrual loans.

(2) Includes an aggregate of $44.1 million of nonaccrual loans which were current with respect to contractual principal and interest payments.

Financing Receivable Credit Quality Indicators

Based on the most recent analysis performed, the risk category of commercial loans by class of loans at March 31, 2025 and at December 31, 2024 are detailed in the tables below. Also included in the tables detailing loan balances are gross charge offs for the three months ended March 31, 2025 and for the year ended December 31, 2024.

March 31, 2025			Term Loans Amortized Cost Basis by Origination Year
(In thousands)			2025			2024			2023			2022			2021			Prior			Revolving Loans Amortized Cost Basis			Total
Commercial, financial and agricultural: Commercial, financial and agricultural (1)
Risk rating
Pass			$	69,958		$	215,382		$	138,152		$	90,406		$	74,341		$	96,582		$	494,085		$	1,178,906
Special Mention			150			2,335			1,132			3,327			197			766			35,617			43,524
Substandard			1,321			976			1,081			436			1,897			5,507			9,395			20,613
Doubtful			244			226			947			209			171			222			1,098			3,117
Total			$	71,673		$	218,919		$	141,312		$	94,378		$	76,606		$	103,077		$	540,195		$	1,246,160
Current period gross charge-offs			$	—		$	—		$	35		$	12		$	—		$	—		$	—		$	47

Commercial real estate (1)
Risk rating
Pass			$	91,189		$	334,301		$	244,180		$	284,337		$	292,830		$	692,872		$	30,954		$	1,970,663
Special Mention			175			2,206			3,357			12,210			2,817			12,338			916			34,019
Substandard			334			2,816			682			4,694			3,005			9,938			2,408			23,877
Doubtful			—			—			790			—			—			—			—			790
Total			$	91,698		$	339,323		$	249,009		$	301,241		$	298,652		$	715,148		$	34,278		$	2,029,349
Current period gross charge-offs			$	—					$	—		$	—		$	—		$	—		$	—		$	—

Construction real estate: Commercial
Risk rating
Pass			$	17,626		$	188,423		$	78,339		$	31,825		$	2,379		$	5,581		$	31,729		$	355,902
Special Mention			—			6,265			21			—			—			—			—			6,286
Substandard			—			—			569			—			—			—			100			669
Doubtful			—			—			—			—			—			—			—			—
Total			$	17,626		$	194,688		$	78,929		$	31,825		$	2,379		$	5,581		$	31,829		$	362,857
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Residential Real Estate: Commercial
Risk rating
Pass			$	43,157		$	119,567		$	107,560		$	87,356		$	90,098		$	183,522		$	21,169		$	652,429
Special Mention			—			1,402			535			643			940			1,768			3,161			8,449
Substandard			—			330			88			827			320			631			146			2,342
Doubtful			—			—			—			—			—			—			—			—
Total			$	43,157		$	121,299		$	108,183		$	88,826		$	91,358		$	185,921		$	24,476		$	663,220
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

March 31, 2025			Term Loans Amortized Cost Basis by Origination Year
(In thousands)			2025			2024			2023			2022			2021			Prior			Revolving Loans Amortized Cost Basis			Total
Leases
Risk rating
Pass			$	4,558		$	13,514		$	5,374		$	3,067		$	1,021		$	994		$	—		$	28,528
Special Mention			—			—			43			232			—			24			—			299
Substandard			—			10			—			—			—			—			—			10
Doubtful			—			—			—			—			—			—			—			—
Total			$	4,558		$	13,524		$	5,417		$	3,299		$	1,021		$	1,018		$	—		$	28,837
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Total Commercial Loans
Risk rating
Pass			$	226,488		$	871,187		$	573,605		$	496,991		$	460,669		$	979,551		$	577,937		$	4,186,428
Special Mention			325			12,208			5,088			16,412			3,954			14,896			39,694			92,577
Substandard			1,655			4,132			2,420			5,957			5,222			16,076			12,049			47,511
Doubtful			244			226			1,737			209			171			222			1,098			3,907
Total			$	228,712		$	887,753		$	582,850		$	519,569		$	470,016		$	1,010,745		$	630,778		$	4,330,423
Current period gross charge-offs			$	—		$	—		$	35		$	12		$	—		$	—		$	—		$	47

(1) Included within each of commercial, financial and agricultural loans and commercial real estate loans is an immaterial amount of consumer loans that are not broken out by class.

December 31, 2024			Term Loans Amortized Cost Basis by Origination Year
(In thousands)			2024			2023			2022			2021			2020			Prior			Revolving Loans Amortized Cost Basis			Total
Commercial, financial and agricultural: Commercial, financial and agricultural (1)
Risk rating
Pass			$	239,260		$	150,007		$	97,761		$	80,956		$	66,332		$	53,327		$	506,998		$	1,194,641
Special Mention			2,709			1,222			3,819			314			818			1,467			37,447			47,796
Substandard			1,574			633			264			1,879			817			5,232			12,417			22,816
Doubtful			371			944			256			104			336			—			846			2,857
Total			$	243,914		$	152,806		$	102,100		$	83,253		$	68,303		$	60,026		$	557,708		$	1,268,110
Current period gross charge-offs			$	—		$	104		$	143		$	20		$	1,317		$	2,872		$	50		$	4,506

Commercial real estate (1)
Risk rating
Pass			$	329,203		$	252,923		$	289,622		$	296,745		$	276,181		$	459,856		$	30,203		$	1,934,733
Special Mention			3,054			2,779			11,978			4,071			5,728			7,416			1,165			36,191
Substandard			2,083			1,477			3,037			3,310			2,223			7,850			2,985			22,965
Doubtful			—			—			443			—			—			—			—			443
Total			$	334,340		$	257,179		$	305,080		$	304,126		$	284,132		$	475,122		$	34,353		$	1,994,332
Current period gross charge-offs			$	—		$	99		$	—		$	—		$	—		$	—		$	—		$	99

December 31, 2024			Term Loans Amortized Cost Basis by Origination Year
(In thousands)			2024			2023			2022			2021			2020			Prior			Revolving Loans Amortized Cost Basis			Total
Construction real estate: Commercial
Risk rating
Pass			$	158,403		$	83,233		$	32,035		$	2,623		$	3,014		$	2,783		$	22,896		$	304,987
Special Mention			5,084			—			374			—			—			—			88			5,546
Substandard			8			581			—			—			—			—			—			589
Doubtful			—			—			—			—			—			—			—			—
Total			$	163,495		$	83,814		$	32,409		$	2,623		$	3,014		$	2,783		$	22,984		$	311,122
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Residential Real Estate: Commercial
Risk rating
Pass			$	120,873		$	111,577		$	88,292		$	92,240		$	102,999		$	93,918		$	20,455		$	630,354
Special Mention			1,403			540			661			437			831			941			3,165			7,978
Substandard			351			91			2,790			324			1,262			1,123			145			6,086
Doubtful			—			—			—			—			—			—			—			—
Total			$	122,627		$	112,208		$	91,743		$	93,001		$	105,092		$	95,982		$	23,765		$	644,418
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Leases
Risk rating
Pass			$	17,537		$	5,868		$	3,557		$	1,243		$	967		$	315		$	—		$	29,487
Special Mention			—			46			251			—			28			—			—			325
Substandard			17			—			—			—			—			—			—			17
Doubtful			—			—			—			—			—			—			—			—
Total			$	17,554		$	5,914		$	3,808		$	1,243		$	995		$	315		$	—		$	29,829
Current period gross charge-offs			$	8		$	—		$	—		$	—		$	—		$	—		$	—		$	8

Total Commercial Loans
Risk rating
Pass			$	865,276		$	603,608		$	511,267		$	473,807		$	449,493		$	610,199		$	580,552		$	4,094,202
Special Mention			12,250			4,587			17,083			4,822			7,405			9,824			41,865			97,836
Substandard			4,033			2,782			6,091			5,513			4,302			14,205			15,547			52,473
Doubtful			371			944			699			104			336			—			846			3,300
Total			$	881,930		$	611,921		$	535,140		$	484,246		$	461,536		$	634,228		$	638,810		$	4,247,811
Current period gross charge-offs			$	8		$	203		$	143		$	20		$	1,317		$	2,872		$	50		$	4,613

(1) Included within each of commercial, financial and agricultural loans and commercial real estate loans is an immaterial amount of consumer loans that are not broken out by class.

March 31, 2025			Term Loans Amortized Cost Basis by Origination Year
(In thousands)			2025			2024			2023			2022			2021			Prior			Revolving Loans Amortized Cost Basis			Total
Commercial, financial and agricultural: Overdrafts
Performing			$	1,068		$	—		$	—		$	—		$	—		$	—		$	—		$	1,068
Nonperforming			—			—			—			—			—			—			—			—
Total			$	1,068		$	—		$	—		$	—		$	—		$	—		$	—		$	1,068
Current period gross charge-offs			$	254		$	—		$	—		$	—		$	—		$	—		$	—		$	254

Construction Real Estate: Retail
Performing			$	3,521		$	56,087		$	16,812		$	8,230		$	5,983		$	8,392		$	459		$	99,484
Nonperforming			—			—			—			—			—			20			—			20
Total			$	3,521		$	56,087		$	16,812		$	8,230		$	5,983		$	8,412		$	459		$	99,504
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Residential Real Estate: Mortgage
Performing			$	36,383		$	196,486		$	241,808		$	243,137		$	186,238		$	446,001		$	—		$	1,350,053
Nonperforming			—			620			1,150			1,178			668			7,158			—			10,774
Total			$	36,383		$	197,106		$	242,958		$	244,315		$	186,906		$	453,159		$	—		$	1,360,827
Current period gross charge-offs			$	—		$	25		$	—		$	—		$	—					$	—		$	25

Residential Real Estate: HELOC
Performing			$	—		$	63		$	142		$	461		$	349		$	1,012		$	206,309		$	208,336
Nonperforming			—			—			81			40			13			561			160			855
Total			$	—		$	63		$	223		$	501		$	362		$	1,573		$	206,469		$	209,191
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—					$	—		$	—

Residential Real Estate: Installment
Performing			$	344		$	1,083		$	1,613		$	126		$	—		$	2,816		$	—		$	5,982
Nonperforming			—			20			—			—			—			30			—			50
Total			$	344		$	1,103		$	1,613		$	126		$	—		$	2,846		$	—		$	6,032
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Consumer: Consumer
Performing			$	142,173		$	566,880		$	413,937		$	386,629		$	181,215		$	174,987		$	5,373		$	1,871,194
Nonperforming			—			653			916			901			537			642			2			3,651
Total			$	142,173		$	567,533		$	414,853		$	387,530		$	181,752		$	175,629		$	5,375		$	1,874,845
Current period gross charge-offs			$	—		$	513		$	1,226		$	866		$	387		$	284		$	—		$	3,276

March 31, 2025			Term Loans Amortized Cost Basis by Origination Year
(In thousands)			2025			2024			2023			2022			2021			Prior			Revolving Loans Amortized Cost Basis			Total
Consumer: Check loans
Performing			$	—		$	—		$	—		$	—		$	—		$	—		$	1,845		$	1,845
Nonperforming			—			—			—			—			—			—			—			—
Total			$	—		$	—		$	—		$	—		$	—		$	—		$	1,845		$	1,845
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	3		$	3

Total Consumer Loans
Performing			$	183,489		$	820,599		$	674,312		$	638,583		$	373,785		$	633,208		$	213,986		$	3,537,962
Nonperforming			—			1,293			2,147			2,119			1,218			8,411			162			15,350
Total			$	183,489		$	821,892		$	676,459		$	640,702		$	375,003		$	641,619		$	214,148		$	3,553,312
Current period gross charge-offs			$	254		$	538		$	1,226		$	866		$	387		$	284		$	3		$	3,558

December 31, 2024			Term Loans Amortized Cost Basis by Origination Year
(In thousands)			2024			2023			2022			2021			2020			Prior			Revolving Loans Amortized Cost Basis			Total
Commercial, financial and agricultural: Overdrafts
Performing			$	1,475		$	—		$	—		$	—		$	—		$	—		$	—		$	1,475
Nonperforming			—			—			—			—			—			—			—			—
Total			1,475			$	—		$	—		$	—		$	—		$	—		$	—		$	1,475
Current period gross charge-offs			$	937		$	—		$	—		$	—		$	—		$	—		$	—		$	937

Construction Real Estate: Retail
Performing			$	51,109		$	26,237		$	8,517		$	6,233		$	3,571		$	5,306		$	460		$	101,433
Nonperforming			—			—			—			—			22			—			—			22
Total			$	51,109		$	26,237		$	8,517		$	6,233		$	3,593		$	5,306		$	460		$	101,455
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Residential Real Estate: Mortgage
Performing			$	194,883		$	236,260		$	250,132		$	192,193		$	157,438		$	303,356		$	—		$	1,334,262
Nonperforming			536			721			1,324			729			1,508			7,463			—			12,281
Total			$	195,419		$	236,981		$	251,456		$	192,922		$	158,946		$	310,819		$	—		$	1,346,543
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	22		$	—		$	22

Residential Real Estate: HELOC
Performing			$	13		$	153		$	577		$	333		$	56		$	1,048		$	200,346		$	202,526
Nonperforming			—			39			14			56			—			610			214			933
Total			$	13		$	192		$	591		$	389		$	56		$	1,658		$	200,560		$	203,459
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	9		$	—		$	9

December 31, 2024			Term Loans Amortized Cost Basis by Origination Year
(In thousands)			2023			2022			2021			2020			2019			Prior			Revolving Loans Amortized Cost Basis			Total
Residential Real Estate: Installment
Performing			$	1,198		$	1,704		$	133		$	—		$	—		$	2,947		$	—		$	5,982
Nonperforming			—			—			—			—			2			29			—			31
Total			$	1,198		$	1,704		$	133		$	—		$	2		$	2,976		$	—		$	6,013
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Consumer: Consumer
Performing			$	607,783		$	454,403		$	427,982		$	204,806		$	126,075		$	76,707		$	7,248		$	1,905,004
Nonperforming			337			1,035			928			452			310			404			3			3,469
Total			$	608,120		$	455,438		$	428,910		$	205,258		$	126,385		$	77,111		$	7,251		$	1,908,473
Current period gross charge-offs			$	683		$	3,532		$	4,596		$	2,328		$	809		$	743		$	2		$	12,693

Consumer: Check loans
Performing			$	—		$	—		$	—		$	—		$	—		$	—		$	1,899		$	1,899
Nonperforming			—			—			—			—			—			—			—			—
Total			$	—		$	—		$	—		$	—		$	—		$	—		$	1,899		$	1,899
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	60		$	60

Total Consumer Loans
Performing			$	856,461		$	718,757		$	687,341		$	403,565		$	287,140		$	389,364		$	209,953		$	3,552,581
Nonperforming			873			1,795			2,266			1,237			1,842			8,506			217			16,736
Total			$	857,334		$	720,552		$	689,607		$	404,802		$	288,982		$	397,870		$	210,170		$	3,569,317
Current period gross charge-offs			$	1,620		$	3,532		$	4,596		$	2,328		$	809		$	774		$	62		$	13,721

TDR Number Of Contracts Modified And Recorded Investment

The following tables present the amortized cost basis of loans at March 31, 2025 and 2024 that were both experiencing financial difficulty and modified during the three months ended March 31, 2025 and 2024 by class and type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial difficulty as compared to the amortized cost basis of each class of financing receivable is also presented below.

						Three Months Ended March 31, 2025
(Dollars in thousands)						Principal Forgiveness						Payment Delay						Term Extension						Interest Rate Reduction						Combination Term Extension and Interest Rate Reduction						Combination Term Extension and Payment Delay						Total						Percent of Total Class of Financing Receivable
Commercial, financial and agricultural:
Commercial, financial and agricultural						$	—					$	932					$	6,503					$	—					$	150					$	—					$	7,585					0.61		%
Overdrafts						—						—						—						—						—						—						—						—		%
Commercial real estate						—						6,186						799						1,478						175						1,426						10,064						0.50		%
Construction real estate:
Commercial						—						—						—						—						—						—						—						—		%
Retail						—						—						—						—						—						69						69						0.07		%
Residential real estate:
Commercial						—						898						—						—						—						—						898						0.14		%
Mortgage						—						—						—						—						—						451						451						0.03		%
HELOC						—						—						—						—						—						—						—						—		%
Installment						—						—						73						—						—						—						73						1.21		%
Consumer:
Consumer						—						—						—						16						—						—						16						—		%
Check loans						—						—						—						—						—						—						—						—		%
Leases						—						—						—						—						—						—						—						—		%
Total						$	—					$	8,016					$	7,375					$	1,494					$	325					$	1,946					$	19,156					0.24		%

						Three Months Ended March 31, 2024
(Dollars in thousands)						Principal Forgiveness						Payment Delay						Term Extension						Interest Rate Reduction						Combination Term Extension and Interest Rate Reduction						Combination Term Extension and Payment Delay						Total						Percent of Total Class of Financing Receivable
Commercial, financial and agricultural:
Commercial, financial and agricultural						$	—					$	54					$	12,144					$	2					$	—					$	—					$	12,200					0.96		%
Overdrafts						—						—						—						—						—						—						—						—		%
Commercial real estate						—						161						4,522						344						122						—						5,149						0.27		%
Construction real estate:
Commercial						—						—						—						—						—						—						—						—		%
Retail						—						—						—						—						—						—						—						—		%
Residential real estate:
Commercial						—						—						438						—						220						—						658						0.11		%
Mortgage						—						—						48						—						—						—						48						—		%
HELOC						—						—						—						—						—						—						—						—		%
Installment						—						—						57						—						—						—						57						0.95		%
Consumer:
Consumer						—						—						—						8						—						—						8						—		%
Check loans						—						—						—						—						—						—						—						—		%
Leases						—						—						—						—						—						—						—						—		%
Total						$	—					$	215					$	17,209					$	354					$	342					$	—					$	18,120					0.24		%

The following tables present the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the three months ended March 31, 2025 and 2024:

						Three Months Ended March 31, 2025
(Dollars in thousands)						Principal Forgiveness						Weighted Average Interest Rate Reduction						Weighted Average Term Extension (years)						Weighted Average Payment Delay (years)
Commercial, financial and agricultural:
Commercial, financial and agricultural						$	—					(0.35)		%				0.9						0.4
Overdrafts						—						—		%				0.0						0.0
Commercial real estate						—						(0.78)		%				2.6						0.5
Construction real estate:
Commercial						—						—		%				0.0						0.0
Retail						—						—		%				0.5						0.5
Residential real estate:
Commercial						—						—		%				0.0						0.5
Mortgage						—						—		%				0.4						0.4
HELOC						—						—		%				0.0						0.0
Installment						—						—		%				15.1						0.0
Consumer:
Consumer						—						(1.06)		%				0.0						0.0
Check loans						—						—		%				0.0						0.0
Leases						—						—		%				0.0						0.0
Total						$	—					(0.75)		%				1.4						0.5

						Three Months Ended March 31, 2024
(Dollars in thousands)						Principal Forgiveness						Weighted Average Interest Rate Reduction						Weighted Average Term Extension (years)						Weighted Average Payment Delay (years)
Commercial, financial and agricultural:
Commercial, financial and agricultural						$	—					(0.50)		%				0.3						0.4
Overdrafts						—						—		%				0.0						0.0
Commercial real estate						—						(1.90)		%				3.0						0.4
Construction real estate:
Commercial						—						—		%				0.0						0.0
Retail						—						—		%				0.0						0.0
Residential real estate:
Commercial						—						(1.00)		%				3.0						0.0
Mortgage						—						—		%				7.8						0.0
HELOC						—						—		%				0.0						0.0
Installment						—						—		%				7.8						0.0
Consumer:
Consumer						—						(7.54)		%				0.0						0.0
Check loans						—						—		%				0.0						0.0
Leases						—						—		%				0.0						0.0
Total						$	—					(1.68)		%				1.2						0.4

Park closely monitors the performance of loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of Park's modification efforts. The following table provides the performance of loans as of the period end date, of modifications made to borrowers experiencing financial difficulty during the twelve months preceding March 31, 2025:

			Twelve Months Ended March 31, 2025
(Dollars in thousands)						Current						30-59 days past due						60-89 days past due						90 days or more past due						Total
Commercial, financial and agricultural:
Commercial, financial and agricultural						$	17,064					$	294					$	—					$	—					$	17,358
Overdrafts						—						—						—						—						—
Commercial real estate						13,552						124						—						—						13,676
Construction real estate:																														—
Commercial						—						—						—						—						—
Retail						69						—						—						—						69
Residential real estate:																														—
Commercial						1,299						—						—						—						1,299
Mortgage						1,006						53						—						78						1,137
HELOC						—												—						—						—
Installment						336						—						—						—						336
Consumer:																														—
Consumer						11						—						—						14						25
Check loans						—						—						—						—						—
Leases						—						—						—						—						—
Total						$	33,337					$	471					$	—					$	92					$	33,900

There were $3.5 million in loans modified to borrowers experiencing financial difficulty that had been modified during the twelve months ended March 31, 2024 that were 60-89 days past due as of March 31, 2024 in the Commercial, financial, and agricultural loan portfolio segment. There were $9,000 in loans modified to borrowers experiencing financial difficulty that had been modified during the previous twelve months that were 30-59 days past due as of March 31, 2024 in the Commercial, financial, and agricultural loan portfolio segment. All other loans modified to borrowers experiencing financial difficulty during the twelve months ended March 31, 2024 were less than 30 days past due as of March 31, 2024.

The following tables present the amortized cost basis of loans that had a payment default subsequent to modification during the three months ended March 31, 2025 and 2024 and were modified in the twelve months prior to that default to borrowers experiencing financial difficulty. For these tables, a loan is considered to be in default when it becomes 30 days contractually past due under the modified terms:

			Three Months Ended March 31, 2025
			Term Extension						Interest Rate Reduction						Combination Term Extension and Interest Rate Reduction						Combination Term Extension and Payment Delay
Commercial, financial and agricultural:
Commercial, financial and agricultural			$	29					$	—					$	265					$	—
Overdrafts			—						—						—						—
Commercial real estate			124						—						—						—
Construction real estate:
Commercial			—						—						—						—
Retail			—						—						—						—
Residential real estate:
Commercial			—						—						—						—
Mortgage			—						78						11						43
HELOC			—						—						—						—
Installment			—						—						—						—
Consumer:
Consumer			—						14						—						—
Check loans			—						—						—						—
Leases			—						—						—						—
Total loans			$	153					$	92					$	276					$	43

			Three Months Ended March 31, 2024
			Term Extension						Interest Rate Reduction						Combination Term Extension and Interest Rate Reduction						Other
Commercial, financial and agricultural:
Commercial, financial and agricultural			$	3,507					$	—					$	—					$	9
Overdrafts			—						—						—						—
Commercial real estate			—						—						—						—
Construction real estate:
Commercial			—						—						—						—
Retail			—						—						—						—
Residential real estate:
Commercial			—						—						—						—
Mortgage			—						—						—						—
HELOC			—						—						—						—
Installment			19						—						—						—
Consumer:
Consumer			—						—						—						—
Check loans			—						—						—						—
Leases			—						—						—						—
Total loans			$	3,526					$	—					$	—					$	9

Upon the determination that a modified loan (or a portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is charged-off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the ACL is adjusted by the same amounts.

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-Name Accounting Standards Codification
-Section 50
-Paragraph 33
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-33

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