Park National Corp (NYSE: PRK) improves margins and posts $11.11 EPS

Rhea-AI Filing Summary

Park National Corporation reported improved 2025 operating performance, driven by higher margins and loan growth. Key metrics: ROAE 13.80%, ROAA 1.78%, net interest margin 4.75%, and diluted EPS $11.11. Core deposits funded 3.0% loan growth and HELOCs rose 18.4%.

The company completed a merger with First Citizens National Bank (legal close February 2026) and expects full integration in Fall 2026. Strategic focus is the new 2026–2030 plan “Ready to Rise,” investments in digital capabilities (including AI tools and a new LOS), and continued community engagement and dividends.

ANNUAL REPORT 2025

Contents LET TER TO SHAREHOLDERS 3 At a Glance 5 2025 HIGHLIGHTS 8 Associate Engagement 8 Technical Capabilities 11 Financial Strength 12 COMMUNIT Y IMPACT 14 LE ADERSHIP 16 REGIONAL HIGHLIGHTS 19

PARKNATIONALCORP.COM 3 Fellow shareholders, Thirty plus years ago, David Olgivy wrote a memo to his Olgivy & Mather colleagues titled “How To Write.” Succinct and practical, his memo has informed our writing since we first encountered it (you may find it useful as well). For the last 10 years, your chairman and former CEO has drafted this annual report letter, always with Olgivy’s advice in mind. Since this letter is important, (see rule #8), the chairman sends his first draft around for review. Initial reactions typically range from horror (mostly) to admiration (seldom). Either way, the finished product – honed and refined by caring colleagues (starting with your president) – has seemed to resonate well with the shareholders who read it. It helps when the numbers improve. Next year, your president and current CEO will get the first crack at drafting this letter. More on that later. Lest you think we are distracting from subpar performance in 2025 with our opening above, here are our favorite numbers: Favorite Numbers - PRK 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 $2.7 million and $2.4 million, respectively, for the years ended December 31, 2025 and 2024. September 7, 1982 How To Write The better you write, the higher you will go in Ogilvy & Mather. People who think well, write well. Good writing is not a natural gift. You have to learn to write well. Here are 10 hints: (1) Read the Roman-Raphaelson book on writing.* Read it three times. (2) Write the way you talk. Naturally.(3) Use short words, short sentences and short paragraphs.(4) Never use jargon words like reconceptualize, attitudinally, judgmentally. They are hallmarks of a pretentious ass.(5) Never write more than two pages on any subject.(6) Check your quotations. (7) Never send a letter or memo on the day you write it. Read it aloud the next morning - and then edit it.(8) If it is something important, get a colleague to improve it.(9) Before you send your letter or memo, make sure it is crystal clear what you want the recipient to do.(10) If you want ACTION, don't write. Go and tell the guy what you want. David *Writing That Works, Harper & Row, 1981 2025 2024 2025 Peer Median PRK Percentile Rank vs. Peers Return on Average Equity (ROAE) 13.80% 12.65% 9.87% 85% Return on Average Assets (ROAA) 1.78% 1.53% 1.25% 90% Net Interest Margin (NIM) 4.75% 4.41% 3.68% 95% Efficiency Ratio+ 57.94% 61.44% 55.78% 35% Earnings Per Share (EPS) – Diluted $11.11 $9.32 N/A N/A We avoid words like “record performance” and “unprecedented results.” The facts are clear, though. Each of our favorite numbers improved over last year. And we have never made more net income, nor paid more dividends. These results were the effect; the cause was the discipline, energy, imagination, empathy and skill of nearly 1,750 Park bankers. It is an honor and joy to serve alongside them.

4 PARKNATIONALCORP.COM New partner in Tennessee By the time you read this, we will have completed the legal and regulatory triathlon associated with formally welcoming our new partners in Tennessee. There will be more to tell in the coming months about our partnership, but our interactions with their leaders ‒ Jeff Agee, Judy Young, Chris Heckler ‒ and their First Citizens’ teammates have proven what we suspected. They are great people doing great work for customers and communities. We are glad to have the legal close of the merger in our rearview mirror and look forward to serving more together. Awards Your bank and bankers received a number of awards in 2025. A partial list includes: • Forbes America’s Best Midsize Employer • Forbes Best-in-State Bank • Forbes Best Banks in America • S&P Global Top 50 Best-Performing U.S. Community Banks Neither your organization nor its people sought these awards. They are a manifestation of Earl Nightingale’s “Life as an Apothecary Scale.” In his classic, Lead the Field, Nightingale wrote: I like to think of [life] in the form of a giant apothecary scale, the kind with a cross on it from which hang two bowls on chains. Now one of the bowls is marked ‘rewards’: the other is marked, ‘service.’ Whatever we put into the bowl marked ‘service,’ the world will match in the bowl marked ‘rewards.’ How we think, work, talk and conduct ourselves is what we have to put in the bowl marked ‘service.’ And the extent and nature of our service will determine our rewards. If any person alive is discontented with his rewards, he needs to examine his service. Action – reaction; as you sow, so shall you reap; what you put out will determine what you must get back in return. So simple, so basic, so true ‒ and so misunderstood!" Park’s people pour in the service, knowing rewards (and awards) must and will come. And they have. You will find a more complete list of awards in our 2025 Community Impact Report. Transitions Matt assumed Chief Executive responsibilities on January 1st. This means he is now the person of final authority. Here’s an excerpt from how we announced the transition to our colleagues: Matt and I pledge to you that we will continue to do all we can to help this organization maximize its performance and to help each of you thrive. However, we are different people and thus will lead in different ways. This is as it should be, for it is people not like us that help us grow. Matt has helped me grow and I think I’ve helped Matt grow as well. Under Matt’s leadership, you will see changes… but you would have seen changes had I continued as CEO too. The world is changing, customer preferences are changing too, and we must adapt and deliver what people seek ‒ when, where and how they wish to be met. What will not change is our devotion to operating as much as possible with individual and collective

PARKNATIONALCORP.COM 5 outward mindsets. Seeing others as people will never go out of style, regardless of outside factors. The world has become increasingly fragmented and isolated… we can and must remain a place of solace, empathy and excellence." David will work with Matt as #2 in responsibility (one level higher than he enjoys at home ‒ behind Mrs. T and Maisie the English lab pup). Matt’s duty is clear ‒ lead your corporation to higher heights while preserving its soul. David’s duty is to help Matt and our colleagues in any way he can. Prior duties have included cleaning toilets, picking up trash, scraping snow off windshields and baking pecan pies. Your chairman hopes he can continue these… Growth One of Matt’s duties is to preserve our soul as we grow. This is beyond the capacity of any one individual and although Matt will be the person of final authority, he alone is not responsible for preserving our soul as we grow. One person may set a tone (and Matt’s is unquestionably a tone of excellence). But it is the responsibility of every Park banker to operate individually and collectively with an outward mindset. This is our soul… to see beyond ourselves in service to others. If we do this, growth and rewards will come. Artificial intelligence (AI) At all the investor conferences we attend (both of them), one question (now that the $10 billion-threshold question has been answered) nearly always arises. “What are you doing with AI?” Your chairman’s flippant response is usually, “We are looking for Real I” ‒ which generates a predictable eye-roll from all at the table. Our sense is that AI has a place. It is a tool, and a cracking cool one. But the tool will only be able to do so much. It is the wielder of the tool who will be able to maximize the tool’s impact and the beauty of its results. Think what a simple chisel and mallet became in Michelangelo’s hands. Random numbers We love numbers. We found two particularly interesting: $1.15 billion $1.60 billion The first number is the amount of income and payroll taxes your corporation has paid over the last 35 years. The second number is the amount of dividends your corporation has paid over the last 35 years. Why 35 years? Digging further would have taxed (pardon the pun) even our most patient accounting and finance colleagues. They indulge your chairman, but only so far. As it should be. 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. 87 O F F I C E S ATM 1,731 A S S O C I AT E S ATM 4 S TAT E S 107 AT M S ATM

6 PARKNATIONALCORP.COM David L. Trautman Matthew R. Miller C H A I R M A N C E O & P R E S I D E N T While the dollars are not Fortune 500 level, they are meaningful, as most of them remain in the communities in which we operate. They have helped fuel economies, support local businesses, fund philanthropy and improve the lives of countless colleagues, retirees and community members. Strategic planning and the beauty of process Under Matt’s leadership, your organization conducted a strategic planning exercise last year. The previous plan ‒ Relationships at Scale ‒ accelerated our investments in technology, systems and people. It helped sketch out how to build a foundation for future service to many more Park customers. Now we are “Ready to Rise”… combining digital elegance with human empathy at a scale we couldn’t have contemplated before. Work-arounds, do-overs and mistake-correcting will decline, leaving bankers with more time for creativity and growth. Fond farewell Our annual shareholder meeting in April will be the last for C. Daniel DeLawder as a member of our corporate and bank boards. Dan joined the bank in 1971, thinking that working for Park would be an interim step on his way to becoming a teacher. Fortunately for us as colleagues and shareholders, his interim step lasted 55+ years. Dan has had a profound and lasting impact on us, our Park colleagues and our communities. He was, and is, endlessly supportive, diplomatically direct and unwavering in his love for Park and its stakeholders. We wish him, his wife Diane and his family all the best. Final thoughts We planned, budgeted and performed to the best of our abilities last year. And we did okay, though we found many surprises and unexpected events along the way. Next year will be no different. We will plan, budget and perform as best we can, knowing that life will bring us imponderables ‒ things or events that no one could predict. But we will remain true to seeing beyond ourselves in service to others, including you, our fellow shareholders. Thank you for your support and ongoing interest in Park. Call, write or text if we can help in any way. Final quote Kindness is the only service that will stand the storm of life and not wash out." ‒ Abraham Lincoln

Park National Bank welcomes First Citizens National Bank 112 O F F I C E S $12.6B A S S E T S 5 S TAT E S 156 AT M S In October 2025, Park announced its plans to partner with First Citizens National Bank of Dyersburg, Tennessee, through a merger that would unite two community-focused institutions with shared values and strong local roots. This partnership is the right fit at the right time,” said Park CEO and President Matthew R. Miller. “It aligns with our long-term growth strategy and positions us to serve more people in meaningful ways.” Founded in 1889, First Citizens brings a legacy of community commitment and customer service. The combined organization will be well positioned to serve more customers throughout the state of Tennessee with expanded lending capacity, enhanced digital capabilities and additional products. Partnering with Park is a natural and strategic step forward for our bank,” added Jeff Agee, First Citizens’ Chairman and CEO. “Together, we’re building a stronger, more impactful organization.” The merger was finalized in February 2026, with full integration expected in Fall 2026. Looking ahead (February 1, 2026)

8 PARKNATIONALCORP.COM PARK'S PEOPLE EARN AWARDS Our associates remain steadfast in their commitment to doing what is right, even when no one is watching. This principle guides every decision we make and continues to earn recognition from respected national and local organizations. In 2025, Park was honored with numerous corporate, regional, local and individual awards, highlighting our dedication to community involvement, superior service, banking excellence and progressive leadership. Forbes again named us one of the Best Banks in Ohio and recognized us among America’s Best Employers by State. Within the organization, we introduced the inaugural Park People’s Choice Award to celebrate an associate who consistently demonstrates our core values and inspires their colleagues through their conduct and professionalism. COLL ABOR ATION AND CONNECTIONS IN TENNESSEE As soon as our planned merger with First Citizens National Bank was announced in Fall 2025, colleagues from both teams began collaborating and making connections. Park leaders hosted town halls and open office hours in each region the day after the announcement was made. Leaders from both organizations conducted a vision and values workshop where goals were set for the partnership planning process. Since then, groups of colleagues have enjoyed joint work sessions – both virtual and in person – discovering how much we have in common and building relationships that will last well into the future. ENGAGEMENT SURVEY RESULTS Through our Listening at Park strategy, we continue to foster a culture where associates feel heard, valued and supported – today and in the future. In the 2025 Engagement Survey, 83% of associates participated and shared positive feedback about our collaborative and encouraging workplace. Scores remained strong across all eight engagement metrics (belonging, engagement, job satisfaction, onboarding, retention, life-work balance, communication pulse and workplace civility) with none falling below 3.9 on a 5‑point scale. This was an increase from the previous year and set us above numerous industry benchmarks. Associate Engagement

PARKNATIONALCORP.COM 9

10 PARKNATIONALCORP.COM

PARKNATIONALCORP.COM 11 MORE OPTIONS FOR CUSTOMER CARE Customers want fast, helpful support, but they also want to choose how they get it. In 2025, we enhanced delivery of support through our service channels, from self-service tools to live chat and phone conversations with bankers. Enhanced authentication technology made connecting with us faster, simpler and more secure. As customers explored these refreshed options, engagement increased: chat volumes rose 25%, and self-service usage through our virtual voice assistant grew 132%. Customer sentiment also improved, with higher satisfaction scores and fewer complaints throughout the year. New tools also strengthened our associates’ ability to help customers, including the implementation of our AI-powered Auto- Coach which puts the right answers at our bankers’ fingertips so they can help customers more quickly and never miss an opportunity to serve more. A NEW ER A OF DEBIT CARD EXPERIENCE In 2025, we introduced a series of upgrades that made our debit cards more powerful by giving customers immediate access and greater control. We launched CardHub within online and mobile banking – a next generation, centralized card management experience that allows customers to instantly lock their card, set spending limits, view real-time transaction insights and easily manage subscriptions right from their digital banking app. We also improved the speed and efficiency of our debit card delivery by upgrading expedited shipping processes, reducing costs and expanding instant issue debit card availability across key branches in our regions. Finally, with digital issuance, customers can begin using their debit card immediately after account opening, delivering a faster, more seamless onboarding experience. ENHANCED COMMERCIAL LOAN ORIGINATIONS In 2025, we conducted a search and began implementation of a new Commercial Loan Origination System (LOS) to modernize our end-to-end lending experience. After a comprehensive evaluation, we selected nCino, a best-in-class solution designed to accelerate revenue growth, improve operational efficiency, manage risk effectively, and deliver exceptional customer experiences through a fully streamlined application and origination process. When this transformation is complete in May 2026, both customers and lenders will benefit from a faster, more intuitive and more transparent lending journey, marking a major milestone in elevating our commercial lending capabilities. Technical Capabilities

12 PARKNATIONALCORP.COM MORE ACCOUNT OPTIONS In 2025, we began work to introduce two new accounts designed to meet customers wherever they are in their financial journey. Our Teen VIP Checking Account provides a safe, smart way for teenagers to build healthy money‑management habits. The account includes convenient tools to track and access funds, along with educational resources and card‑control features that allow parents to monitor spending and transfer money to encourage responsible financial behavior. For customers who are unbanked or underbanked, our Safe Start Checking Account offers a secure, easy‑to‑use option for establishing a strong foundation in everyday banking. It includes essential features such as check writing, a debit card, ATM access, online and mobile banking and fraud monitoring ‒ while eliminating the risk of overdraft fees. COMMERCIAL AND HOME EQUIT Y LEAD LOAN GROW TH Park’s financial performance in 2025 was marked by solid loan growth and strong margins. Park’s core deposits remain a steady source of lower-cost funding, fueling overall loan growth of 3.0% and a net interest margin near the top of our peer group at 4.75%. Commercial lending outpaced many other lending categories at 5.9% growth, with even larger increases in our metro region. And in home lending, customers opting to hold onto their properties reached for Home Equity Lines of Credit (HELOCs) to perform renovations, expansions and upgrades, resulting in 18.4% growth in HELOCs. In addition, our community home lenders helped many first-time homebuyers take advantage of assistance programs, including Park’s own Home Loan Grant and Home Sweet Home loan programs. READY TO RISE STR ATEGIC PL AN We've spent the past several years strengthening our systems, improving our processes and preparing our people for what's ahead as we completed our 2021-2025 strategic plan, Relationships at Scale. Now, we're ready for the next chapter. Our 2026– 2030 Strategic Plan, Ready to Rise, centers our energy on serving more, growing together and delivering long-term prosperity for everyone connected with Park. Key initiatives include investing in our people so they can build skills for the future, growing – both organically and through partnerships – and using data-enriched outreach to deliver more solutions to more customers, all while maintaining our commitment to the communities we serve. Financial Strength

PARKNATIONALCORP.COM 13

14 PARKNATIONALCORP.COM PROUD TO SERVE YOU Our commitment to our communities extends far beyond financial services. Rooted in a culture of service and philanthropy, we believe strong communities are built through local volunteers, charitable giving and dedicated leadership. We’re passionate about helping our neighbors thrive, which is why we invest in the people and organizations that strengthen the places we call home. In 2025, our team volunteered more than 30,000 hours and contributed more than $5.2 million to local charities and organizations across a wide range of causes. These numbers are more than statistics; they’re a reflection of the dedication of everyone at Park to supporting our communities and living out what it means to be a true community bank. SUPPORTING THE UNITED WAY For years, we’ve supported many local United Way chapters. This long-standing partnership became so strong that we created the Employee Community Service Fund decades ago. Through this fund, Park associates can contribute money directly from their paychecks to their local chapter, and the bank matches their donations to double the impact. In 2025, more than $940,000 was given to the United Way to further its mission in the communities served! Please view our 2025 Community Impact Report at parknationalbank.com/community. Community Impact

PARKNATIONALCORP.COM 15 $5,222,462 C O M M U N I T Y D O N AT I O N S ATM 30,579 V O L U N T E E R H O U R S ATM 1,319 O R G A N I Z AT I O N S

16 PARKNATIONALCORP.COM 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 CEO & President Chief Retail Lending Officer Chairman Laura Tussing Jeff Wilson Chief Banking Officer Chief Risk Officer *Retired in December 2025.

PARKNATIONALCORP.COM 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 Chairman 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 CEO & 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 CEO & President Chairman Board of Directors *Retired in 2025.

18 PARKNATIONALCORP.COM Advisory Board Members Vic Bailey III Retired, Vic Bailey Automotive David G. Barnett Retired, Park National Bank Carl R. Bartlett Retired, Wachovia W. Louis Bissette Jr. Retired, 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 Retired, Ewing Capital Partners, LLC/Allen C. Ewing & Co. William Ronald Shaw Shaw Resources Cheryl L. Snyder Retired, 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 Retired, 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 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 Fineline Imprints 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 Kim M. Rose Critchfield, Critchfield & Johnston, Ltd. 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 Retired, 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 IN A R E G IO N C H A R L O T T E M E T R O N O R T H R E G IO N W E S T R E G IO N E A S T R E G IO N C E N T R A L R E G IO N *Retired as of 12/31/2025

PARKNATIONALCORP.COM 19 $373,560 C O M M U N I T Y D O N AT I O N S 84 A S S O C I AT E S Carolina R E G I O N T O T A L L O A N S T O T A L D E P O S I T S W E A LT H A S S E T S 6,496 V O L U N T E E R H O U R S R E G I O N A L L E A D E R S Tim Camp Commercial Banking Coleman Edmunds Retail Banking Leslie Minnis Home Lending Jim Honeycutt Wealth Management 7 O F F I C E S 7 AT M S ATM ATM ATM ATM Buncombe, NC Henderson, NC Anderson, SC Greenville, SC Pickens, SC Spartanburg, SC COUNTIES SERVED R E G I O N A L P R E S I D E N T John Kimberly 200 South Church Street Spartanburg, SC 29306 864-208-0844 john.kimberly@parknationalbank.com ATM L E A D E R S H I P A N N O U N C E M E N T On January 1, 2026, we welcome Tim Camp as market president, stepping into the role following John Kimberly's retirement. Congratulations, Tim and John!

Central Ohio R E G I O N T O T A L L O A N S T O T A L D E P O S I T S W E A LT H A S S E T S COUNTIES SERVED ATM ATM ATM ATM ATM R E G I O N A L P R E S I D E N T & C H I E F B A N K I N G O F F I C E R Laura Tussing 50 North Third Street Newark, OH 43055 740-681-8218 laura.tussing@parknationalbank.com R E G I O N A L L E A D E R S 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 O F F I C E S 28 AT M S 989 A S S O C I AT E S * $2,229,657 C O M M U N I T Y D O N AT I O N S 8,209 V O L U N T E E R H O U R S *includes Park Shared Services and Digital Banking associates Fairfield Franklin Hocking Licking L E A D E R S H I P A N N O U N C E M E N T On January 1, 2026, we welcome John Brown as market president as Laura continues as Chief Banking Officer. Congratulations, John! 20 PARKNATIONALCORP.COM

Eastern Ohio R E G I O N COUNTIES SERVED PARKNATIONALCORP.COM 21 ATM ATM ATM ATM ATM R E G I O N A L P R E S I D E N T Patrick Nash 505 Market Street Zanesville, OH 43701 740-455-7207 patrick.nash@parknationalbank.com W E A LT H A S S E T S R E G I O N A L L E A D E R S Matt Colwell Consumer Lending Steve Haren Retail Banking Jody Spencer Wealth Management Alton Thompson Commercial Banking T O T A L D E P O S I T ST O T A L L O A N S 9 O F F I C E S 10 AT M S 84 A S S O C I AT E S $339,230 C O M M U N I T Y D O N AT I O N S 2,885 V O L U N T E E R H O U R S Coshocton Muskingum Perry Tuscarawas R E G I O N A L R E C O G N I T I O N Pat Nash received the 2025 Dick Johnson Civic Leadership Award from the Muskingum County Community Foundation. Forever Dads presented its Service About Self Award to Kang Kim on our wealth management team. Congratulations, Pat and Kang!

$250,935 C O M M U N I T Y D O N AT I O N S 24 A S S O C I AT E S Metro: Charlotte D I V I S I O N 660 V O L U N T E E R H O U R S 3 O F F I C E S Guilford Mecklenburg Wake COUNTIES SERVED M A R K E T P R E S I D E N T Tim Ignasher 1300 Baxter Street Suite 170 Charlotte, NC 28204 704-943-5757 tim.ignasher@parknationalbank.com R E G I O N A L L E A D E R S Becky Berolatti Cash Management Mary Lytch Wealth Management Rob Melton Home Lending ATM ATM ATM ATM T O T A L L O A N S T O T A L D E P O S I T S W E A LT H A S S E T S L O C A L I M PAC T In support of Classroom Central, the Charlotte team packed nearly 900 Kits for a Cause with art, dental and STEM kits to help teachers equip students with tools they need to succeed. 22 PARKNATIONALCORP.COM

$238,723 C O M M U N I T Y D O N AT I O N S 48 A S S O C I AT E S 2,231 V O L U N T E E R H O U R S 4 O F F I C E S 3 AT M S Clermont Hamilton COUNTIES SERVED M A R K E T P R E S I D E N T Bryant Fox 3825 Edwards Road Suite 520 Cincinnati, OH 45209 513-718-6057 bryant.fox@parknationalbank.com Metro: Cincinnati D I V I S I O N R E G I O N A L L E A D E R S Jana Beal Retail Banking Kim Cunningham Home Lending Matt Colwell Consumer Lending Todd Durham Wealth Management ATM ATM ATM ATM ATM W E A LT H A S S E T ST O T A L D E P O S I T ST O T A L L O A N S L O C A L I M PAC T The Cincinnati team held its 13th annual Park Cares Week, where 51 bankers completed eight community service projects, contributing 156 volunteer hours. PARKNATIONALCORP.COM 23

COUNT Y SERVED ATM ATM ATM ATM ATM Metro: Columbus D I V I S I O N Franklin T O T A L L O A N S T O T A L D E P O S I T S W E A LT H A S S E T S M A R K E T P R E S I D E N T & C H I E F C O M M E R C I A L B A N K I N G O F F I C E R Brady Waltz 200 South Civic Center Drive Suite 700 Columbus, OH 43215 614-228-9915 brady.waltz@parknationalbank.com R E G I O N A L L E A D E R S Brian Elder Community Home Lending & Development Damon Howarth Wealth Management Tracey Ramsey Cash Management $529,696 C O M M U N I T Y D O N AT I O N S 64 A S S O C I AT E S 1,214 V O L U N T E E R H O U R S 5 O F F I C E S 3 AT M S $250mm $250mm $500mm $500mm $750mm $750mm $1B $1B R E G I O N A L R E C O G N I T I O N Park was proud to receive multiple awards in the greater Columbus area including the Community Impact Award from Homeport of Ohio, Supporter of Family Business Award from the Conway Center for Family Business and the 2025 Corporate Citizenship honoree in the large business category by Columbus Business First. 24 PARKNATIONALCORP.COM

COUNT Y SERVED Jefferson ATM ATM ATM ATM Metro: Louisville D I V I S I O N M A R K E T P R E S I D E N T W. Andrew Holden 2305 River Road Louisville, KY 40206 502-975-7170 andrew.holden@parknationalbank.com R E G I O N A L L E A D E R S Alisha Deatrick Cash Management Daniel Schoenbaechler Wealth Management T O T A L D E P O S I T ST O T A L L O A N S $66,111 C O M M U N I T Y D O N AT I O N S 18 A S S O C I AT E S 553 V O L U N T E E R H O U R S 1 O F F I C E L O C A L I M PAC T The Louisville team sorted donations and distributed groceries to 300+ people at The Lord's Kitchen, an organization focused on bringing hope and love to neighbors in need. PARKNATIONALCORP.COM 25

$732,328 C O M M U N I T Y D O N AT I O N S 208 A S S O C I AT E S Northern Ohio R E G I O N T O T A L L O A N S T O T A L D E P O S I T S W E A LT H A S S E T S 5,694 V O L U N T E E R H O U R S 22 O F F I C E S 32 AT M S COUNTIES SERVED Ashland Crawford Holmes Knox Marion Morrow Richland ATM ATM ATM ATM ATM R E G I O N A L P R E S I D E N T & C H I E F R E TA I L L E N D I N G O F F I C E R Chris Hiner 3 North Main Street Mansfield, OH 44902 419-524-3370 chris.hiner@parknationalbank.com R E G I O N A L L E A D E R S Rachelle Dallas Retail Banking Jessica Davis Home Lending Todd Hawkins Wealth Management James Hobson Commercial Banking Vickey Martin Cash Management Jerry Simon Consumer Lending Ryan Smith Home Lending Director L O C A L I M PAC T In 2025, Park donated its Crestline Office to Avita Health System. The building will be a pharmacy and provide convenient drive-thru prescription access to the community. 26 PARKNATIONALCORP.COM

$517,093 C O M M U N I T Y D O N AT I O N S 176 A S S O C I AT E S Western Ohio R E G I O N 2,499 V O L U N T E E R H O U R S 20 O F F I C E S 25 AT M S COUNTIES SERVED Champaign Clark Darke Greene Mercer Miami PARKNATIONALCORP.COM 27 ATM ATM ATM ATM ATM R E G I O N A L P R E S I D E N T & C H I E F R E TA I L B A N K I N G O F F I C E R John Brown 40 South Limestone Street Springfield, OH 45502 937-324-6877 john.brown@parknationalbank.com W E A LT H A S S E T S R E G I O N A L L E A D E R S Connie Craig Retail Banking Ken Magoteaux Wealth Management Eric McKee Consumer Lending Pat Rastatter Commercial Banking T O T A L D E P O S I T ST O T A L L O A N S L E A D E R S H I P A N N O U N C E M E N T On January 1, 2026, we welcome Pat Rastatter as market president as John steps into his new role. Congratulations, Pat and John!

S C O P E A I R C R A F T F I N A N C E T O T A L L O A N S S T R U C T U R E D W A R E H O U S E T O T A L L O A N S S C O P E A I R C R A F T F I N A N C E Michael Smith 200 South Civic Center Drive Suite 825 Columbus, OH 43215 614-228-5144 mjsmith@scopeair.com S T R U C T U R E D WA R E H O U S 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 ATM ATM ATM ATM $46,359 C O M M U N I T Y D O N AT I O N S 36 A S S O C I AT E S 138 V O L U N T E E R H O U R S 1 O F F I C E 50 YEARS OF SMOOTH LANDINGS E XC E L L E N C E I N AV I AT I O N F I N A N C I N G "Fifty years is a milestone that reflects our dedication to the aviation industry and helping customers connect to what matters most to them,” said Scope President Michael J. Smith. “Our team is passionate about helping people experience the freedom of flight with financing that fits.” 28 PARKNATIONALCORP.COM

PARKNATIONALCORP.COM 29

30 PARKNATIONALCORP.COM 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

PARKNATIONALCORP.COM 31

parknationalcorp.com 50 North Third Street, Newark, OH 43055

FAQ

What were Park National (PRK) 2025 profitability metrics?

Park reported ROAE 13.80% and ROAA 1.78% in 2025. Net interest margin was 4.75% and diluted earnings per share were $11.11. These metrics reflect margin strength and improved profitability compared with 2024 results cited in the report.

How much did Park National grow loans and HELOCs in 2025?

Total loan growth was 3.0% in 2025. Commercial loans increased by 5.9%, and Home Equity Lines of Credit (HELOCs) grew 18.4%, with metro regions seeing the largest commercial lending expansion.

What strategic transaction did Park National complete related to Tennessee?

Park finalized a merger with First Citizens National Bank (Dyersburg, TN) in February 2026. The filing states full integration is expected in Fall 2026 and positions the combined organization to serve more customers in Tennessee.

What digital and lending platform upgrades is Park implementing?

Park selected nCino as its new Commercial Loan Origination System, with implementation completing in May 2026. The company also deployed AI-powered tools (Auto-Coach), enhanced debit card features, and expanded self-service and chat channels.

What community and corporate social metrics did Park disclose for 2025?

Associates volunteered more than 30,000 hours and Park donated $5.2 million in 2025. The company reported $1.15 billion in taxes paid and $1.60 billion in dividends over 35 years and highlighted awards including Forbes recognitions.