ANNUAL
REPORT
2024
Table of Contents
LETTER TO SHAREHOLDERS
3
At a Glance
5
2024 HIGHLIGHTS
8
Associate Engagement
8
Technical Capabilities
11
Financial Strength
12
COMMUNITY IMPACT
14
BANK LEADERSHIP & LOCATIONS
16
3
Fellow shareholders,
One of our colleagues shared the following quote from Seneca, who wrote this in his letters nearly
2,000 years ago:
It is in no man's power to have whatever he wants, but he has it in his power not to wish
for what he hasn't got, and cheerfully make the most of the things that do come his way.
We find in it several lessons:
1. Don’t wish for things we don’t have.
2. Be thankful for what we do have.
3. A promise that things will come our way.
4. We control our mindset – our attitude – towards what we have, what we don’t have and what comes our way.
This is entirely liberating and holds great promise for all of us.
Past readers of this letter may find the passage above an unusual opening to our annual report letter, even for us.
But we find the lessons of history illuminate our present situation and help us make better decisions for the future.
Plus, as the world moves faster and becomes increasingly complicated, we value and yearn for simplicity. We like
to think we (as an individual, organization or society) are breaking new ground, when in fact history gives us any
number of examples of people who have faced what we face.
We learn from history, but we don’t permit it to encrust dogmatic views that deny reality. We must and will evolve,
adjusting our thinking to new evidence while remaining true to our bedrock principles.
2024
2023
2024
Peer Median
PRK Percentile
Rank vs. Peers
Return on Average Equity (ROAE)
12.65%
11.55%
9.56%
95th
Return on Average Assets (ROAA)
1.53%
1.27%
1.07%
100th
Net Interest Margin (NIM)
4.41%
4.11%
3.25%
95th
Efficiency Ratio
61.44%
65.87%
58.44%
35th
Earnings Per Share (EPS) – Diluted
$9.32
$7.80
N/A
N/A
L E T T E R T O S H A R E H O L D E R S
Efficiency ratio is calculated by dividing total other expense by the sum of fully taxable equivalent net interest income and other income. Fully taxable equivalent net
interest income includes the effects of taxable equivalent adjustments using a 21% federal corporate income tax rate. The taxable equivalent adjustments were
$2.4 million and $3.7 million, respectively, for the years ended December 31, 2024 and 2023.
4
Financial
performance ‒ solid,
with room to improve
Our five favorite numbers all improved over last year.
This is a direct result of Park bankers seeing beyond
themselves in service to others; and their dedication
to excellence in executing their duties and applying
imagination and creativity to improve customer
experience. Last year’s financial performance was
solid, yet we have plenty of room for improvement.
Of our four favorite numbers that can be directly
compared to peers (EPS is specific to each company's
earnings and outstanding shares), we compare
favorably in three. We ended 2024 in the 95th
percentile compared to our peers in ROAE and NIM,
and in the 100th percentile in ROAA. However, our
efficiency ratio landed in the 35th percentile. In large
part, this is because our non-interest expenses are
roughly what one would expect from a bank with
$15 billion in assets, not less than $10 billion.
You may recall we consciously increased our
technology, risk management, compliance and
controls investments in anticipation of crossing
$10 billion. We did this after speaking to others who
had crossed without making these investments. They
told us they found their momentum halted until they
tightened up their ships. We listened, learned and
invested ahead of time. Our investments reflect our
desire to generate superior long-term earnings.
We understand that our expense base ‒ at its current
level ‒ is unsustainable, absent asset growth. We also
understand that we can operate more efficiently. One
may ask, “Why not try to be the low-cost provider?
i.e., why not strive for the 90th percentile in efficiency
ratio?” We will probably never be the low-cost provider.
Physical facilities, technology, community support ‒ all
require investment. And these are investments we are
happy to make, for customers tell us they value human
connections and digital elegance, with the option of
engaging us anywhere on a continuum from in-person
interactions to completely digital. We are happy to
offer this flexibility, elegance and empathy … but it ain’t
cheap.
People will pay for value and
that's what they tell us they
receive from Park bankers.
Change
Often, we view change through our own lens. How will
this change affect me? This is natural, but we attempt
to see all change through the following lens:
Will this change …
• improve our customers’ experience with us?
• save time, steps, clicks, rework, phone calls?
• help us serve our communities more?
• help us invite more customers and/or colleagues
to Park?
We know change disrupts. Some view disruption as
unsettling; others view it as invigorating. We have
found that almost every change will be embraced if
there is a logical, perhaps even compelling, “Why we’re
doing this” attached to the change.
We have changed much over our 116 years and
change will continue in the years to come. We change
because:
• The world changes. Preferences change. If we
don’t change, we will become at best irrelevant
and at worst, extinct.
• We want to serve more customers, more.
We must do all we can to be there for them ‒
today, tomorrow, forever.
5
At a glance
Park National Corporation is a family of community banking teams that deliver an exceptional breadth and
depth of resources to individuals and businesses. Our culture is deeply rooted in the values of service and
philanthropy, and we believe strong communities are built with local volunteers, donations and leadership.
We believe the way we treat our customers, associates and communities is what sets us apart from the
competition and sustains our success.
• A lack of change suggests we know that our
current methods are the best. This may be true
… for the moment. But who among us would not
concede that someone, somewhere, has figured
out a better way?
• Average stinks. Very few, if any, Park bankers
roll out of bed and say, “I can’t wait to be
average today.” Excellence requires continuous
improvement which requires change. Plus,
excellence is more fun.
Trust and
investments is now
wealth management
Speaking of change, our trust team changed the
name of what they do from trust and investments to
wealth management. We found that many people were
unaware that we manage money, investments and
other assets.
The new title better aligns with what our current
customers know and future customers expect. We
have been entrusted with nearly $9 billion in assets
under management by brilliant people who have the
means and purpose to employ the most sophisticated
advisors in the world. And they chose us. Why? Here’s
what they’ve told us:
• Park’s risk/return strategy fits my views.
• Park's wealth management advisors are not
commission driven. They have my best long-term
interests in mind.
• I know my wealth management professional
personally and he/she will answer my call when I
have a question.
• Park’s wealth management professionals are
trustworthy, predictable and reliable. (Operating
for 60+ years under only three leaders builds
consistency!)
Why should you consider engaging our wealth
management team? See above.
87
O F F I C E S
1,771
A S S O C I AT E S
4
S TAT E S
108
AT M S
ATM
6
Forbes award
Each day, you’ll find Park bankers rolling up their
sleeves, serving in the community, helping customers
and caring for each other. They don’t do it for a pat on
the back. They do it simply because it is the right thing
to do. Thus, we were delighted to announce to our
colleagues last fall that we were named #1 Best Bank
in Ohio by Forbes. This was not an award we sought,
but one by which we were humbled and honored
nonetheless. The bank-wide Spirit Week that followed
was quite the celebration … see page 9.
This recognition is not just an award;
it is a testament to the hard work,
dedication, and commitment of
every single team member at
Park National Bank.
It highlights the excellent service and value our
colleagues provide to our customers every day. We
accept this recognition in the humble belief that we are
making progress, and we remain eager to serve more.
Artificial intelligence
One of the most prevalent questions we received
throughout last year (and into this one) was, “How are
you positioned for artificial intelligence (AI)?” While
any new tool, and that is how we consider AI, may offer
possibilities, there is value in understanding the risks.
Some see AI as a way to replace human interaction,
human relationships and humans altogether; we see it
differently. We’re thinking about how AI can enhance
human relationships. We’re committed to scalability,
efficiency and automation, but we’re looking to those
things in service to human relationships, not as a way
to diminish or avoid connecting with people. More to
come …
Hurricane Helene
and response
In October of 2024, upstate South Carolina and
western North Carolina were rocked by rain and
flooding brought on by Hurricane Helene. Communities
reeled under as much as 29 inches of rain during the
storm. Lives were lost. Businesses and homes were
swept away. Power and water were severed. It was
catastrophic.
In the face of this onslaught, Park bankers did what
they always do … they looked for ways to help others
– neighbors, friends, customers, people they didn’t
know. Local Park associates worked to keep cash
flowing in communities with little power and internet
access, while Park associates outside of the region
loaded a trailer with generators, water, food, diapers,
and formula and drove to Spartanburg to deliver items
to those in need. All Park bankers played a role. It
reminded us of Mother Teresa’s observation:
Not all of us can do great things,
but we can do small things with
great love.
Park bankers did what they could, when they could,
where they could, with great love. Seemingly small
acts were not small to those on the receiving end. We
were moved many times to tears by the outpouring
of empathy, compassion and love for each other, our
customers and our communities. We were surrounded
by people who embodied what Abraham Lincoln called
in his first inaugural address,
… the better angels in our nature.
You will see more stories about Park’s response to
Hurricane Helene in our Community Impact Report.
7
Honoring legacies
William T. McConnell (8/8/33-8/14/24)
William T. (Bill) McConnell passed away on August 14,
2024 at age 91. Bill began his career with Park in 1960
as the bank’s first management trainee and retired as
the Chairman of the Board in 2005. He continued to
serve as a Park board member until 2015, at which time
he concluded his Park career with 55 years of service.
Anyone who knew Mr. McConnell or read his obituary
understands this was a man of great presence and
influence. His impact on our organization was profound
and lasting. His belief in people was the cornerstone of
his leadership philosophy. As he often said,
If we have great people, strong
capital and good earnings we have
far more capability for change.
We won’t reiterate his accomplishments here; that’s
been done in many other places.
Instead, we’ll leave you with a fond memory: David
referred to Bill as “Mr. McConnell” for many years.
Finally, Mr. McConnell said, “David, you can call me Bill”
‒ to which David replied, “Okay, Mr. McConnell.”
Director Steve Kambeitz (6/26/58-11/2/24)
In November, we lost a faithful board member and dear
friend, Steve Kambeitz. Steve served on our board of
directors since 2010, offering guidance gleaned from
his decades-long banking career and entrepreneurial
endeavors. The insights we've gained from listening to
and learning from Steve are invaluable.
Throughout his illness, Steve showed remarkable
resilience and courage. He remained devoted to Park
and all that is best for it. We will miss his wit, his wisdom
and his compassion, and we stand ready to help Julie
and Steve’s family when/where/how they think we can.
Hug your family and friends today …
Welcome new
directors
In July, we welcomed Kelly Gratz and Karen Morrison
to our board of directors. Each brings wisdom,
experience and a new lens to Park. Kelly’s expertise
in customer experience, data and technology, and
Karen’s experience in the healthcare industry position
them to offer ideas and strategies that will enrich and
enlarge our possibilities. We are grateful they are willing
to share their considerable talents with us.
Final thoughts
We began this letter with a quote from Seneca. We end
it with a quote from Epictetus:
If someone is able to show me
that what I think or do is not right,
I will happily change, for I seek the
truth, by which no one was ever
truly harmed. It is the person who
continues in his self-deception and
ignorance who is harmed.
One of our sayings around here is, “We don’t seek
victory, we seek truth.” If we operate fully with this in
mind (and avoid self-deception and eschew ignorance),
we may accept whatever the world and/or our hard
work supply us with equanimity and promise. Change
is inevitable, and change in the pursuit of excellence is
a worthy goal. We will change, with the unending goal
of helping everyone with whom we come in contact
flourish. That includes YOU.
Thank you for your faith in Park National. Contact us if
we may help in any way.
David L. Trautman Matthew R. Miller
C H A I R A N D C E O
P R E S I D E N T
8
Associate
Engagement
ASSOCIATE RECOGNITION
At Park, we love to celebrate our amazing associates for their work both inside and outside of our offices. Our
information services, operations and business risk and controls teams honored 19 colleagues across eight categories
for their accomplishments. At our annual SPARK conference, nine associates – one from each region or metro division
– received Community Impact Awards for their selfless work within our communities. Our wealth management, retail
banking, consumer lending, home lending, commercial banking and cash management teams recognized 44 associates
for outstanding professional accomplishments in service to our customers and achievements in business growth. Park
also invested $1.7 million in 2024 to award bonuses to our front-line and support teams.
SUMMER OF CELEBRATION
We believe intentional recognition fosters a culture of belonging, excellence and motivation. In the summer, we host
a variety of appreciation events thoughtfully selected and planned by our leaders. These activities create meaningful
opportunities for colleagues to gather, celebrate achievements and deepen connections. This year, teams and families
were invited to enjoy a day at the zoo with a free giraffe feeding experience, to participate in craft events, to attend live
music performances, baseball games, picnics and an afternoon at Top Golf – always a favorite. The events go beyond
saying thank you, they boost morale, strengthen relationships and reaffirm our commitment to our people.
BANK AWARDS
At Park, our bankers are driven by purpose. A common desire to help people fuels the work we do. We often say, "Do
the right thing even though no one is looking." In 2024, several organizations noticed the good work of our team of
dedicated bankers, making it big year for honors and recognition. Twenty-five corporate, regional, local and individual
honors were received highlighting community impact, customer service, industry excellence and leadership. Our
bankers enjoyed celebrating our #1 Best Bank in Ohio award from Forbes with a bank-wide Spirit Week in September.
9
“The Forbes' recognition inspires each
of us to provide the ultimate customer
experience for those we serve. I'm proud
to say I work for the best bank in Ohio!”
Karen Rice, Retail experience officer
“The customers I’ve helped have their
account open in just a few minutes.
The process is so much simpler. It’s
easy for us and easy for the customer!”
Sherry Mitchell, Digital personal banker
10
ACCOUNT OPENING UPGRADE
Digital experiences and customer expectations have evolved significantly since Park first launched online account
opening more than a decade ago. In research and interviews, customers and prospects told us they valued intuitive,
self-service experiences whether opening an account in a branch or digitally. In 2024, Park launched a new account
opening platform, powered by an industry leader, MANTL. A key feature is the ability to open an account from start to
finish in less than five minutes. The rollout is part of the bank’s larger initiative to increase deposits as we strive to help
more of our neighbors with financial solutions.
WEALTH ONLINE AND GO RETIRE
Wealth management unveiled Wealth Online, a new platform designed to improve the client experience with seamless
money management and financial plan integration. Featuring interactive dashboards, a secure document hub, and a
personalized newsfeed, clients can easily access performance data and communicate with their financial team. A new
mobile app takes convenience even further, providing wealth access anytime, anywhere. Additionally, our retirement
plan services team launched GoRetire, a robust platform empowering plan sponsors and participants with streamlined
tools to monitor accounts, adjust investments, and track retirement goals – all designed to elevate service and simplify
retirement planning.
AUTOMATED VALUATION
Park has embraced technological advancements that allow us to serve more customers with better experiences and
greater efficiency. For example, in 2024, our home lending team implemented an automated solution for providing
home valuations for residential loans. Formerly a very manual process, now automated valuation efficiently and
effectively provides quick, reliable property values, resulting in faster closings for home equity loans.
Technical
Capabilities
11
12
LOAN AND DEPOSIT GROWTH
Growth in both loans and deposits contributed to Park’s solid financial performance in 2024. Deposits grew 2.7 percent
overall. Core deposits remain a steady source of lower-cost funding. Overall, loans grew by 4.6 percent. We saw larger
increases in the metro region, where loan growth was 19.6 percent for the year. Home lenders helped many first-time
homebuyers take advantage of assistance programs, including Park’s own Home Loan Grant Program in Columbus.
Similar programs to promote homeownership by providing grant funds were launched in Cincinnati, Dayton, Mansfield,
Louisville, Charlotte, Spartanburg, Greenville and Asheville.
NEW LOCATIONS TO BETTER SERVE OUR COMMUNITIES
In 2024, we took steps to expand our footprint and better serve our customers. Our Louisville Office (KY) relocated
to a much-larger office in the Spring River Business Park. The new location is easier to access, has increased visibility
and gives us room to grow with space for up to 35 associates. We again expanded our presence in Franklin County,
opening two new offices to further anchor us in the Columbus (OH) area. Each office hosted an open house to welcome
customers to the new locations. Inspired by the incredible growth in Charlotte (NC) and surrounding cities, we opened a
de novo commercial loan production office in Raleigh (NC) to serve the needs of the growing business community.
BANK LIKE A VIP!
As the needs of our customers change, so do our products. In 2024, we rolled out the red carpet along with our new
VIP checking, savings and money market accounts to celebrate the Very Important People in our communities – people
from all walks of life who show up and put in the work to build a life for themselves and those they love. Each account
has unique features that give customers the flexibility and benefits they deserve, plus a little more than they might
expect – their own personal banker, because life’s just easier when your personal banker is a chat away. At Park, all of our
customers are treated like VIPs.
Financial
Strength
13
“One of the great things about working with Park
is that we have a local banker. Don knows our
business; he understands what kind of different
challenges we’re facing and he's there to help us.”
Leslie Weist, Michael Byrne Manufacturing
14
PROUD TO SERVE YOU
We believe the only way for a bank to truly give its customers the service they deserve is to be a part
of their community. And when you belong to something as special as that, investing time and money in
places just a few sidewalks away becomes second nature.
From big cities to small towns, we are proud to serve our communities. Last year we volunteered
more than 23,000 hours and donated more than $4.8 million dollars to local charities and community
organizations. Lending a hand to a neighbor and investing in the people and places around us is the
right thing to do, and we do it gladly.
SUPPORTING THE UNITED WAY
At Park, we have a long-standing tradition of supporting United Way chapters within our communities.
When associates contribute to the Employee Community Service Fund directly from their paychecks,
that money goes to their local United Way chapters, and the Park Foundation matches their gifts to
double the impact.
In 2024, including associate donations and fund matches, we donated more than $1 million to our local
United Way chapters!
Community
Impact
To view our 2024 Community Impact Report, please visit parknationalbank.com/community
15
$4,870,044
C O M M U N I T Y D O N AT I O N S
23,160
V O L U N T E E R H O U R S
1,179
O R G A N I Z AT I O N S
16
Bank Leadership
Todd Bogdan
Adrienne Brokaw
Brady Burt
Bryan Campolo
Tom Cummiskey
Chief Operations Officer
Chief Auditor
Chief Financial Officer
Chief Credit Officer
Chief Wealth & Trust Officer
Malory Dcosta
Mark Miller
Matt Miller
Cheryl Snyder
David Trautman
Chief Information Officer
Corporate Services Director
President
Chief Retail Lending Officer
Chair & CEO
Laura Tussing
Jeff Wilson
Chief Banking Officer
Chief Risk Officer
17
Donna M. Alvarado
Frederic Bertley, Ph.D.
C. Daniel DeLawder
F. W. Englefield IV
Kelly K. Gratz
President
President & CEO
Chair, Executive Committee
President
President & CEO
Aguila International
COSI
Park National Corporation
Englefield, Inc.
G2O
Director since 2013
Director since 2021
Director since 1994
Director since 2005
Director since 2024
Robert E. O’Neill
Mark R. Ramser
David L. Trautman
Leon Zazworsky
President
President
Chair & CEO
President
Southgate Corporation
Ohio Cumberland Gas Company
Park National Corporation
Mid State Systems, Inc
Director since 2013
Director since 2019
Director since 2005
Director since 2003
Jason N. Judd
Timothy S. McLain
D. Byrd Miller III
Matthew R. Miller
Karen A. Morrison
Executive Vice President & CFO
Principal
Retired
President
President
Safelite Group, Inc.
Dark Horse CPAs
William Barnet & Son, LLC
Park National Corporation
OhioHealth Foundation
Director since 2019
Director since 2010
Director since 2022
Director since 2019
Director since 2024
Executive Officers
Brady T. Burt
Matthew R. Miller
David L. Trautman
Chief Financial Officer
President
Chair and CEO
Board of Directors
Advisory Board Members
Vic Bailey III
Vic Bailey Automotive
David G. Barnett
Retired, Park National Bank
Carl R. Bartlett
Retired, Wachovia
W. Louis Bissette Jr.
McGuire, Wood & Bissette Law Firm
Terrence L. Cash
Caman Group, Inc.
Norman H. Chapman
Inman Mills
T. Alexander Evins
Parker Poe Adams & Bernstein, LLP
George M. Groome
Retired, Colton, Groome & Company
John D. Kimberly
Park National Bank
Samuel H. Maw Jr.
Retired, Denny’s, Inc.
D. Byrd Miller III
Retired, William Barnet & Son, LLC
John S. Poole
Retired, Carolina Alliance Bank
William Allen Rogers II
Ewing Capital Partners, LLC/Allen C. Ewing & Co.
William Ronald Shaw
Shaw Resources
Cheryl L. Snyder
Park National Bank
Laura E. Stille
Fretwell Partners
Mary L. Thomas
CF Leads
Larry A. Webb
KDS Commercial Properties, Webb Development, LLC
W. Lewis White Sr.
W. Lewis White Company, Inc.
Dean DeRolph
Retired, Kumler Collision and Automotive
Jennifer Johns Friel
Midwest Fabricating Company
Leonard F. Gorsuch
Fairfield Homes/Gorsuch Construction
James L. McLain II
J. McLain CPA Group
S. Alan Risch
Risch Drug Stores
Laura F. Tussing
Park National Bank
Jennifer Gorsuch Walters
Fairfield Homes/Gorsuch Construction
Stephen G. Wells
Retired, Park National Bank
Stephen A. Arnall
Capitala Group
Kenneth R. Beuley
The Keith Corporation
Jack M. Cathey, Ph.D.
University of North Carolina at Charlotte
Louis Foreman
Enventys
Charles T. Hodges
New Forum, Inc.
David L. Hood Jr.
Hood, Hargett & Associates
Timothy J. Ignasher
Park National Bank
Christine Mackie
Zippy Ice
Dennis W. Moser
The Moser Group
Donald Philip Renaldo, M.D.
Donald Automotive Group
Sara C. White
Mooresville Realty
Daniel J. Atkinson
Muskingum Valley Health Centers
Michael L. Bennett
Second Capital Consulting, LLC
Julie A. Brown
Fink’s Harley-Davidson, Southside Collision,
Fink’s Quality Cars and Fink’s Custom Vans
Clinton W. Cameron
Cameron Drilling Company
Ward D. Coffman III
Coffman Law Offices
Scott D. Eickelberger
Kincaid, Taylor and Geyer Law Offices
Susan K. Hasseler, Ph.D.
Muskingum University
Patrick L. Hennessey
P&D Transportation, Inc.
Susan S. Holdren
J.W. & M.H. Straker Charitable Foundation
Henry C. Littick II
Southeastern Ohio Broadcasting Systems
Thomas M. Lyall
Retired, Park National Bank
Timothy S. McLain, CPA
Dark Horse CPAs
Patrick L. Nash
Park National Bank
Timothy J. Thompson
Primary Aim
Timothy R. Cowen
Cowen Truck Line
Elizabeth A. DeLaney
Spherion Mid-Ohio Employment Services
Lois J. Fisher
Lois J. Fisher & Associates
Jay P. Goyal
Goyal Industries, Inc.
Christopher R. Hiner
Park National Bank
Korey M. Kidwell
Kidwell & Cunningham, Ltd.
Michael L. Kocher
MKB Farms, Ltd.
William B. Levering
Levering Management, Inc.
Daniel L. Mathie
Critchfield, Critchfield & Johnston, Ltd.
Matthew D. Miller
City of Ashland, Ohio
Jeffrey S. Monica
McDonald’s
Mark R. Ramser
Ohio Cumberland Gas Co.
Kim M. Rose
Critchfield, Critchfield & Johnston, Ltd.
Gordon E. Yance
Retired, Park National Bank
Steven C. Badgett
Retired, Park National Bank
Tamara L. Baird-Ganley
Baird Funeral Home
Tyeis Baker-Baumann
Retired business owner
John A. Brown
Park National Bank
Travis J. Faber
Faber & Associates
Terri J. Flood
Wayne Health Care
Jeffrey E. Hittle
Hittle Buick GMC
Alicia Sweet Hupp
Sweet Manufacturing Company
Timothy Johnston
Retired
John McKinnon
Clark Schaffer Hackett & Co.
Scott D. Michael
Michael Farms
W. Samuel Robinson
Retired, Murray Wells Wendeln & Robinson, CPAs
C A R O L I N A R E G I O N
C H A R L O T T E M E T R O
N O R T H R E G I O N
W E S T R E G I O N
E A S T R E G I O N
C E N T R A L R E G I O N
18
19
$358,223
C O M M U N I T Y D O N AT I O N S
85
AS S OCI ATES
Carolina R E G I O N
T O TA L L OA N S
T O TA L D E P O S I T S
W E A LT H A S S E T S
1,894
VO LUN T EER HOU RS
REG IO NAL LE ADERS
Tim Camp | Commercial Banking
Coleman Edmunds | Retail Banking
Leslie Minnis | Home Lending
Jim Honeycutt | Wealth Management
7
OFFI C E S
7
AT M S
Buncombe, NC
Henderson, NC
Anderson, SC
Greenville, SC
Pickens, SC
Spartanburg, SC
COUNTIES SERVED
RE GI ON A L PRE SI DENT
John Kimberly
200 South Church Street
Spartanburg, SC 29306
864-208-0844
john.kimberly@parknationalbank.com
ATM
$1,107,610
CO M M U N I T Y D O N AT I O N S
186
AS S OCI ATES
Central Ohio R E G I O N
T O TA L L OA N S
T O TA L D E P O S I T S
W E A LT H A S S E T S
6,467
VO LU N T EER HOU RS
RE GI ON AL PRE SI DENT
Laura Tussing
50 North Third Street
Newark, OH 43055
740-681-8218
laura.tussing@parknationalbank.com
REG IO NAL LE ADERS
Corey Alton | Commercial Banking
Erica Chance | Consumer Lending
Eric Croft | Retail Banking
Luann Snyder | Wealth Management
Rob Springer | Consumer Lending Director
Tina Taley | Home Lending
15
OFFI C E S
28
AT M S
20
Fairfield
Franklin
Hocking
Licking
COUNTIES SERVED
ATM
21
$367,586
C O M M U N I T Y D O N AT I O N S
96
AS S OCI ATES
Eastern Ohio R E G I O N
T O TA L L OA N S
T O TA L D E P O S I T S
W E A LT H A S S E T S
2,420
VO LUN T EER HOU RS
9
OFFI C E S
10
AT M S
Coshocton
Muskingum
Perry
Tuscarawas
COUNTIES SERVED
RE GI ON A L PRE SI DENT
Patrick Nash
505 Market Street
Zanesville, OH 43701
740-455-7207
patrick.nash@parknationalbank.com
REG IO NAL LE ADERS
Matt Colwell | Consumer Lending
Steve Haren | Retail Banking
Jody Spencer | Wealth Management
Tina Taley | Home Lending
Alton Thompson | Commercial Banking
ATM
$762,322
CO M M U N I T Y D O N AT I O N S
215
AS S OCI ATES
Northern Ohio R E G I O N
T O TA L L OA N S
T O TA L D E P O S I T S
W E A LT H A S S E T S
5,391
VO LU N T EER HOU RS
22
OFFI C E S
32
AT M S
22
COUNTIES SERVED
RE GI ON A L PRE SI DENT
Chris Hiner
3 North Main Street
Mansfield, OH 44902
419-524-3370
chris.hiner@parknationalbank.com
REG IO NAL LE ADERS
Rachelle Dallas | Retail Banking
Jessica Davis | Home Lending
Todd Hawkins | Wealth Management
James Hobson | Commercial Banking
Jerry Simon | Consumer Lending
Ryan Smith | Home Lending
Ashland
Crawford
Holmes
Knox
Marion
Morrow
Richland
ATM
23
$538,963
C O M M U N I T Y D O N AT I O N S
173
AS S OCI ATES
Western Ohio R E G I O N
T O TA L L OA N S
T O TA L D E P O S I T S
W E A LT H A S S E T S
2,814
VO LUN T EER HOU RS
20
OFFI C E S
25
AT M S
COUNTIES SERVED
RE GI ON AL PRE SI DENT
John Brown
40 South Limestone Street
Springfield, OH 45502
937-324-6877
john.brown@parknationalbank.com
REG IO NAL LE ADERS
Connie Craig | Retail Banking
Kim Cunningham | Home Lending
Ken Magoteaux | Wealth Management
Eric McKee | Consumer Lending
Scott Rasor | Home Lending
Pat Rastatter | Commercial Banking
Champaign
Clark
Darke
Greene
Mercer
Miami
ATM
$902,062
CO M M U N I T Y D O N AT I O N S
166
AS S OCI ATES
Metro R E G I O N
T O TA L L OA N S
T O TA L D E P O S I T S
W E A LT H A S S E T S
4,067
VO LU N T EER HOU RS
13
OFFI C E S
6
AT M S
24
Jefferson, KY
Guilford, NC
Mecklenburg, NC
Wake, NC
Clermont, OH
Franklin, OH
Hamilton, OH
COUNTIES SERVED
Brady Waltz
200 South Civic Center Drive
Columbus, OH 43215
614-228-9915
brady.waltz@parknationalbank.com
W. Andrew Holden
2305 River Road
Louisville, KY 40206
502-975-7170
andrew.holden@parknationalbank.com
Tim Ignasher
1300 Baxter Street
Charlotte, NC 28204
704-943-5757
tim.ignasher@parknationalbank.com
Bryant Fox
3825 Edwards Road
Cincinnati, OH 45209
513-718-6057
bryant.fox@parknationalbank.com
ATM
RE G I O N A L L E A D E RS Jana Beal | Retail Banking Brian Elder | Community Home Lending & Development
M A RK E T P RES IDEN TS
25
S C O P E A I R C R A F T F I N A N C E
T O TA L L OA N S
S T R U C T U R E D WA R E H O U S E
T O TA L L OA N S
1
OFFI C E
$15,829
C O M M U N I T Y D O N AT I O N S
38
ASSO CI ATES
107
VO LU N T EER H OU RS
S COPE AI RCR AF T FINANC E
Michael Smith
200 South Civic Center Drive
Suite 110
Columbus, OH 43215
614-228-5144
mjsmith@scopeair.com
ST RUCT URED WAR EH O US E
Jeff Gluntz
200 South Civic Center Drive
Suite 800
Columbus, OH 43215
614-228-5019
jeff.gluntz@parknationalbank.com
Specialty Finance D I V I S I O N
A special congratulations to Scope as the team celebrates 50 years of serving customers
and communities. We commemorated the milestone with an updated, modernized logo.
50
YEARS
26
Stock Listing
NYSE AMERICAN Symbol – PRK
CUSIP #700658107
General Shareholder Inquiries
Park National Corporation
Brady Burt, Chief Financial Officer and Secretary
51 North Third Street
Post Office Box 3500
Newark, Ohio 43058-9983
740-399-5516
investor@parknationalbank.com
Dividend Reinvestment Plan
Park offers a plan whereby participating shareholders can purchase additional Park National Corporation common
shares through automatic reinvestment of their regular quarterly cash dividends. All commissions and fees
connected with the purchase and safekeeping of the common shares are paid by Park. Details of the plan and an
enrollment card can be obtained by contacting Park’s stock transfer agent and registrar as indicated below.
Direct Deposit of Dividends
Park shareholders may have their dividend payments directly deposited into their checking, savings or money
market account. This direct deposit of dividends is free for all shareholders. If you have any questions or need an
enrollment form, please contact Park’s stock transfer agent and registrar as indicated below.
Stock Transfer Agent and Registrar
Broadridge Shareholder Services: P.O. Box 1342, Brentwood, NY 11717
844-976-0739 | shareholder@broadridge.com | https://shareholder.broadridge.com/prk
Overnight mail:
Broadridge Shareholder Services, Attn: IWS: 1155 Long Island Avenue, Edgewood, NY 11717
Form 10-K
All forms filed by the Corporation with the SEC (including our Form 10-K for 2024) are available on our website by
clicking on the “SEC Filings” section and then the “Documents/SEC Filings” section of the “Investor Relations”
page. These forms may also be obtained, without charge, by contacting the Secretary as indicated above.
Website
parknationalcorp.com
Shareholder Information
27
parknationalcorp.com
50 North Third Street, Newark, OH 43055