Park National is a bank holding company headquartered in Newark, Ohio, operating through its subsidiary Park National Bank, a community bank serving individuals and businesses primarily across Ohio, with additional presence in Kentucky, North Carolina, and South Carolina. Park National Bank operates 87 branches, focused on small-to-medium sized communities and select metro areas including Columbus, Cincinnati, Charlotte, Louisville, and Raleigh. Park National recently crossed $10B in total assets following its February 2026 acquisition of First Citizens Bancshares (Tennessee). Like most community banks, Park National earns net interest income by taking in deposits and lending at higher rates. Key profitability drivers are loan volume, net interest margin, credit quality, and fee income. Park's loan book is split roughly across commercial loans and leases (~43%), residential real estate and construction (~35%), and consumer loans (~23%), with consumer loans heavily weighted toward indirect auto loans originated through dealer channels. Beyond core banking, Park National offers wealth management and trust services, sells fixed-rate residential mortgages into the secondary market, and runs two specialized national lending businesses: Scope Aircraft Finance, which provides aircraft loans to small businesses and entrepreneurs, and a national lending unit that extends asset-based loans to non-bank consumer finance companies. Park National has grown primarily through acquisitions and is expanding organically by investing in its branch network, digital banking capabilities, and metro market presence.