a2024annualreport

ANNUAL REPORT 2024

Table of Contents LET TER TO SHAREHOLDERS 3 At a Glance 5 2024 HIGHLIGHTS 8 Associate Engagement 8 Technical Capabilities 11 Financial Strength 12 COMMUNIT Y IMPACT 14 BANK LE ADERSHIP & 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 ATM 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 CELEBR ATION 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

10 “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

11 ACCOUNT OPENING UPGR ADE 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

12 LOAN AND DEPOSIT GROW TH 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 BET TER 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

“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

18 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 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

19 $358,223 C O M M U N I T Y D O N AT I O N S 85 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 1,894 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 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

$1,107,610 C O M M U N I T Y D O N AT I O N S 186 A S S O C I AT E S 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 6,467 V O L U N T E E R H O U R S R E G I O N A L P R E S I D E N T 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 ATM ATM 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 A S S O C I AT E S Eastern 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 2,420 V O L U N T E E R H O U R S 9 O F F I C E S 10 AT M S ATM ATM Coshocton Muskingum Perry Tuscarawas COUNTIES SERVED 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 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 Tina Taley | Home Lending Alton Thompson | Commercial Banking ATM

$762,322 C O M M U N I T Y D O N AT I O N S 215 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 5,391 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 ATM ATM 22 COUNTIES SERVED R E G I O N A L P R E S I D E N T 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 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 A S S O C I AT E S Western 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 2,814 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 ATM ATM COUNTIES SERVED R E G I O N A L P R E S I D E N T John Brown 40 South Limestone Street Springfield, OH 45502 937-324-6877 john.brown@parknationalbank.com R E G I O N A L L E A D E R S 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 C O M M U N I T Y D O N AT I O N S 166 A S S O C I AT E S Metro 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 4,067 V O L U N T E E R H O U R S 13 O F F I C E S 6 AT M S ATM ATM 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 R E G I O N A L L E A D E R S Jana Beal | Retail Banking Brian Elder | Community Home Lending & Development M A R K E T P R E S ID E N T S

25 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 1 O F F I C E $15,829 C O M M U N I T Y D O N AT I O N S 38 A S S O C I AT E S ATM 107 V O L U N T E E R H O U R S ATM 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 110 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 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. 800-357-5773 | scopeair.com YEARS OF SMOOTH LANDINGS 800-357-5773 | scopeair.com YEARS OF SMOOTH LANDINGS 50 YEARS 50YEARS OF SMOOTH LANDINGS 50 YEARS 50YEARS OF SMOOTH LANDINGS Logo usage and 50 year callout varients: FINAL: 1 | 10 | 25

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

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