# Park National Corporation competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/park-national/competitors
Last updated: Oct 19, 2026

*Part of the [Park National Corporation AI strategy profile](https://www.bankingnewsai.com/banks/park-national). Peer group: First Financial Bancorp, WesBanco, First Merchants Corporation, First Commonwealth Financial Corporation, First Busey Corporation, Old National Bancorp, United Bankshares.*

## Who are Park National Corporation's competitors, and what are the alternatives?

Park National's 2025 10-K, filed February 23, 2026, says its subsidiaries compete with local, regional and national banks, savings associations, credit unions, finance companies, securities dealers, brokers, mortgage bankers and investment advisors, and that fintechs are 'increasingly strong competition' for its borrowers and depositors. Its home market is central Ohio: in the Columbus metropolitan area, which includes its Newark headquarters, Park held $2.90 billion of deposits in 23 offices at June 30, 2025, sixth behind Huntington (43.7% of the market), JPMorgan Chase (20.77%), PNC, Bank of America and Fifth Third (FDIC). Statewide it ranked tenth with 1.35% of Ohio deposits across 75 offices, behind U.S. Bank, Huntington, KeyBank, Fifth Third, Chase, PNC, Citizens, Bank of America and WesBanco, and just ahead of Cincinnati's First Financial Bancorp. The 10-K says competitors may have greater resources, technology offerings and lending limits. Outside Ohio Park runs offices in northern Kentucky, the Carolinas and, since February 2026, Tennessee; in Spartanburg, South Carolina, its single office holds 4.05% of deposits against Truist's 21.36% and First Citizens' 16.41%. The non-bank rivals the 10-K names are fintechs, bill payment services that do not use banks, which PayPal provides, and digital assets and cryptocurrencies that seek to provide payment functionality, such as Circle's USDC stablecoin. Chime is the largest branchless account on this site. ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOH%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Park National Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/02/02/3230229/4491/en/p.html), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A43900%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [PayPal Holdings, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/pypl-20251231.htm), [Circle](https://www.circle.com/pressroom/circle-reports-second-quarter-2026-results), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results))

## What does Park National say about its competition?

"The financial services industry is highly competitive. Park's subsidiaries compete with other local, regional and national service providers, including banks, savings associations, credit unions and other types of financial institutions and finance companies. Other competitors include securities dealers, brokers, mortgage bankers, investment advisors and financial services subsidiaries of commercial and manufacturing companies. Competition for quality customers has intensified as a result of changes in regulations, mergers and acquisitions, advances in technology and product delivery systems, consolidation among financial service providers, bank failures and the conversion of former investment banks to bank holding companies." ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm))

"The primary factors in competing for loans are the terms of the loan, interest rates charged and overall services provided to borrowers. The primary factors in competing for deposits are interest rates paid on deposits, account liquidity, convenience and hours of office locations, convenience and availability of mobile banking options, and accessibility to trained and competent staff. Competitors of Park may have greater resources and, as such, additional technology offerings and higher lending limits, which may adversely affect the ability of Park to compete. In addition, certain nonfinancial institutions with which Park competes enjoy the benefits of fewer regulatory constraints, broader geographic service areas, greater capital and lower cost structures." ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm))

"Financial technology companies, or 'fintechs,' are also providing nontraditional, but increasingly strong competition for our borrowers, depositors and other customers. Digital assets and cryptocurrencies also operate as competitors, as many of these digital assets and cryptocurrencies seek to provide payment functionality. Many customers either hold or may consider holding money that would typically be held in deposit accounts or investments in the form of digital assets or cryptocurrencies, which serves as competition for deposits." ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm))

From the risk factors of the same 10-K: "Customers have increasingly used bill payment services that do not utilize banks, and these trends may result in losses of deposits and fee income. ... The ability to access and use technology is an increasingly important competitive factor in the financial services industry, and it is a critically important component to customer satisfaction as it affects our ability to deliver the right products and services." (2025 Form 10-K, filed February 23, 2026.) ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm))

## Who competes with Park National in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: central Ohio and the rest of the state | [Huntington](https://www.bankingnewsai.com/banks/huntington) | Bank | Columbus-headquartered Huntington held 43.7% of Columbus-area deposits ($51.81 billion in 64 offices) and 17.0% of Ohio deposits in 343 offices at June 30, 2025, against Park's 2.44% and 1.35% (FDIC). ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOH%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Home region: central Ohio and the rest of the state | [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Bank | Second in the Columbus area with $24.63 billion of deposits (20.77%) in 61 offices at June 30, 2025, and 231 offices statewide; a national bank of the kind Park's 10-K says may have greater resources and technology offerings. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOH%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm)) |
| Home region: central Ohio and the rest of the state | [Fifth Third](https://www.bankingnewsai.com/banks/fifth-third) | Bank | The Cincinnati bank held 11.83% of Ohio deposits in 246 offices at June 30, 2025, and $6.86 billion in 42 Columbus-area offices, just ahead of Park's $2.90 billion in 23. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOH%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Home region: central Ohio and the rest of the state | [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | Bank | The largest holder of Ohio deposits at June 30, 2025, with $111.51 billion (19.73%) in 161 offices (FDIC). ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOH%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Home region: central Ohio and the rest of the state | [PNC](https://www.bankingnewsai.com/banks/pnc) | Bank | Held 6.76% of Ohio deposits in 219 offices and $8.76 billion in 42 Columbus-area offices at June 30, 2025, third in the Columbus market. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOH%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Home region: central Ohio and the rest of the state | [KeyBank](https://www.bankingnewsai.com/banks/keybank) | Bank | The Cleveland bank held 12.15% of Ohio deposits in 172 offices at June 30, 2025 (FDIC). ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOH%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Home region: central Ohio and the rest of the state | [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | Bank | Ran 114 Ohio offices with $8.55 billion of deposits at June 30, 2025, ninth in the state and one place ahead of Park, after converting Premier Financial in 2025. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOH%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm)) |
| Home region: central Ohio and the rest of the state | [First Financial Bancorp](https://www.bankingnewsai.com/banks/first-financial-ohio) | Bank | The Cincinnati bank held $7.54 billion of Ohio deposits in 57 offices at June 30, 2025, twelfth in the state and just behind Park's $7.63 billion (FDIC). ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOH%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Community and commercial banking in the Carolinas | [Truist](https://www.bankingnewsai.com/banks/truist) | Bank | First in the Spartanburg, South Carolina market with 21.36% of deposits in seven offices at June 30, 2025, where Park's single office held 4.05%; Truist ranks 2nd by deposit share in North Carolina and 3rd in South Carolina. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A43900%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm)) |
| Community and commercial banking in the Carolinas | [First Citizens Bank](https://www.bankingnewsai.com/banks/first-citizens) | Bank | The Raleigh bank was second in Spartanburg with 16.41% of deposits in nine offices at June 30, 2025; Park's 10-K names Raleigh and Charlotte among its focus metro areas. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A43900%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm)) |
| Community and commercial banking in the Carolinas | [United Community Bank](https://www.bankingnewsai.com/banks/united-community) | Bank | Ran four Spartanburg-area offices with 5.50% of deposits at June 30, 2025, ahead of Park's 4.05%. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A43900%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Community and commercial banking in the Carolinas | [United Bankshares](https://www.bankingnewsai.com/banks/united-bankshares) | Bank | Like Park, it runs offices in both Ohio and the Carolinas: more than 240 offices across North Carolina, South Carolina, Georgia, Virginia, West Virginia, Maryland, Ohio and Pennsylvania, with a Charlotte regional office opened in March 2024. ([United Bank](https://bankwithunited.com/news/corporate-financial/united-bank-receives-national-recognition-as-a-best-company-to-work-for-and-best-in-state-bank-for-2025.html), [United Bank](https://bankwithunited.com/news/corporate-financial/united-bank-opens-new-location-in-charlottes-bustling-southpark-neighborhood.html), [Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm)) |
| Deposits, payments and digital alternatives | [Chime](https://www.bankingnewsai.com/fintech/chime) | Fintech | Park's 10-K calls fintechs 'increasingly strong competition' for its depositors; Chime's 10-K claims a significant cost advantage over traditional banks by avoiding branches, and it had 10.4 million active members at June 30, 2026. ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results)) |
| Deposits, payments and digital alternatives | [PayPal](https://www.bankingnewsai.com/fintech/paypal) | Payments company | Park's risk factors say customers increasingly use bill payment services that do not use banks, which may cost deposits and fee income; PayPal processed $1.79 trillion of payment volume for 439 million active accounts in 2025. ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm), [PayPal](https://about.pypl.com/who-we-are/history-and-facts/default.aspx), [PayPal Holdings, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/pypl-20251231.htm)) |
| Deposits, payments and digital alternatives | [Circle (USDC)](https://www.bankingnewsai.com/fintech/circle) | Fintech | Park's 10-K says digital assets that seek to provide payment functionality compete for money that would otherwise sit in deposit accounts; Circle's USDC stablecoin had $73.3 billion in circulation at June 30, 2026. ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm), [Circle](https://www.circle.com/pressroom/circle-reports-second-quarter-2026-results)) |
| Deposits, payments and digital alternatives | Credit unions in Ohio and the Carolinas | Credit union | Park's 10-K names credit unions among the local, regional and national providers its subsidiaries compete with. ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm)) |
| Trust, investment and wealth management | [Charles Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | Broker or asset manager | Park's 10-K names securities dealers, brokers and investment advisors among its competitors; Park National Bank offers wealth management, including trust and investment services, and Schwab serves self-directed retail clients nationally. ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm), [Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-Launches-AI-Powered-Capability-That-Helps-Investors-Understand-Portfolio-Performance-and-Market-Activity/default.aspx)) |

## How do the AI and digital offerings of Park National's competitors compare?

Park National first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [Park National Corporation (this page)](https://www.bankingnewsai.com/banks/park-national) | Not disclosed | [Index 6.6 (#103); 8 use cases, 5 in production](https://www.bankingnewsai.com/banks/park-national) | Q2 10-Q: data processing costs up, Tennessee legacy core still running (Aug 7, 2026) ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000061/prk-20260630.htm)) |
| [Huntington](https://www.bankingnewsai.com/banks/huntington) | 50 AI agents in production and more than 60 in development, under the CFO (April 2026) ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/)) | [Index 84.2 (#13); 17 use cases, 15 in production](https://www.bankingnewsai.com/banks/huntington) | Named a Coverbase enterprise customer (Sep 29, 2026) ([Coverbase (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html)) |
| [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | LLM Suite: 150,000 weekly users (February 2026) ([JPMorganChase](https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf)) | [Index 89 (#6); 15 use cases, 8 in production](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026) ([CNBC](https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870), [American Banker](https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents)) |
| [Fifth Third](https://www.bankingnewsai.com/banks/fifth-third) | Jeanie AI banking assistant, Best Chatbot at the 2026 Tearsheet AI Innovation Awards ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html)) | [Index 84 (#14); 13 use cases, 10 in production](https://www.bankingnewsai.com/banks/fifth-third) | AI chief Jay Budzik describes the lending-model upgrade (Oct 12, 2026) ([Northwestern McCormick School of Engineering](https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html)) |
| [U.S. Bank](https://www.bankingnewsai.com/banks/us-bancorp) | A chief AI officer, Prashant Mehrotra, leading strategy and execution ([American Banker](https://www.americanbanker.com/news/benchmarking-ai-adoption-what-u-s-banks-playbook-tells-us)) | [Index 81.3 (#18); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/us-bancorp) | Venkatachari: from proving AI to industrializing it (Oct 7, 2026) ([Forbes (Yahoo Finance)](https://finance.yahoo.com/news/u-bank-industrializing-ai-132012524.html)) |
| [PNC](https://www.bankingnewsai.com/banks/pnc) | Rebuilt PNC Mobile app built with its agentic development system (July 2026) ([PNC via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1)) | [Index 68.2 (#38); 14 use cases, 8 in production](https://www.bankingnewsai.com/banks/pnc) | Head of ATM Banking hired with an AI mandate (Sep 25, 2026) ([Columbus Business First (bizjournals.com)](https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson)) |
| [KeyBank](https://www.bankingnewsai.com/banks/keybank) | AI-handled calls at about $0.25 against $9 for human-handled ones (Q4 2025 call) ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/)) | [Index 80 (#21); 16 use cases, 10 in production](https://www.bankingnewsai.com/banks/keybank) | Gessner ranked No. 3 in American Banker's Most Powerful Women in Banking NEXT (Oct 1, 2026) ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-3-emily-gessner-keybank)) |
| [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | Automation and AI initiatives in loan operations, the call center and credit underwriting (investor decks) ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526204123/wsbc-ex99_1.htm)) | [Index 26.9 (#92); 12 use cases, 9 in production](https://www.bankingnewsai.com/banks/wesbanco) | Q3 2026 investor presentation repeats the AI initiatives (Aug 27, 2026) ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm)) |
| [First Financial Bancorp](https://www.bankingnewsai.com/banks/first-financial-ohio) | Not disclosed | [Index 4.4 (#105); 11 use cases, 8 in production](https://www.bankingnewsai.com/banks/first-financial-ohio) | Succession reshuffle: Anderson president, former CIO Myers COO (Sep 14, 2026) ([First Financial Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/708955/000070895526000155/ffbc-20260914.htm), [American Banker](https://www.americanbanker.com/news/after-year-of-rapid-growth-ohio-bank-revamps-its-top-ranks)) |
| [Truist](https://www.bankingnewsai.com/banks/truist) | Truist Assist chatbot: 12.5 million+ requests from 2023 to March 2026 ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm)) | [Index 82.6 (#16); 15 use cases, 13 in production](https://www.bankingnewsai.com/banks/truist) | Mid-table on AI-judged reputation (Sep 18, 2026) ([American Banker](https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh)) |
| [First Citizens Bank](https://www.bankingnewsai.com/banks/first-citizens) | A head of AI and advanced analytics, Ash Kaduskar, alongside a chief data and analytics officer ([First Citizens Bank](https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-Bank)) | [Index 67.7 (#39); 14 use cases, 12 in production](https://www.bankingnewsai.com/banks/first-citizens) | First Citizens Innovation Banking launched; SVB name retired (Oct 6, 2026) ([First Citizens Bank](https://newsroom.firstcitizens.com/2026-10-06-First-Citizens-Bank-Launches-New-Innovation-Banking-Brand)) |
| [United Community Bank](https://www.bankingnewsai.com/banks/united-community) | Fraud losses down 50% over two years, partly from vendors' AI (April 2026) ([United Community Banks (SEC filings)](https://www.sec.gov/Archives/edgar/data/857855/000085785526000010/earningscalltranscript42126.htm)) | [Index 38.7 (#75); 13 use cases, 8 in production](https://www.bankingnewsai.com/banks/united-community) | Customer guidance on AI-enabled scams (Sep 18, 2026) ([United Community](https://ucbi.com/support/learning-center/ach-fraud-protect-your-business-from-payment-fraud-and-account-takeover)) |
| [United Bankshares](https://www.bankingnewsai.com/banks/united-bankshares) | Not disclosed | [Index 2 (#116); 8 use cases, 5 in production](https://www.bankingnewsai.com/banks/united-bankshares) | Florida expansion announced (Oct 8, 2026) ([Business Wire](https://www.businesswire.com/news/home/20261008370877/en/United-Bankshares-Inc.-Announces-Florida-Expansion)) |
| [Chime](https://www.bankingnewsai.com/fintech/chime) | Jade, an in-app AI financial partner available to some members ([Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) | [8 use cases, 6 in production](https://www.bankingnewsai.com/fintech/chime) | Agreement to acquire Stride Bank (Sep 8, 2026) ([Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank)) |
| [PayPal](https://www.bankingnewsai.com/fintech/paypal) | Agentic commerce services and Instant Checkout in ChatGPT (October 2025) ([PayPal](https://newsroom.paypal-corp.com/2025-10-28-PayPal-Launches-Agentic-Commerce-Services-to-Power-AI-Driven-Shopping), [PayPal](https://newsroom.paypal-corp.com/2025-10-28-OpenAI-and-PayPal-Team-Up-to-Power-Instant-Checkout-and-Agentic-Commerce-in-ChatGPT)) | [9 use cases, 5 in production](https://www.bankingnewsai.com/fintech/paypal) | PayPal adds support for Meta's Muse (Sep 23, 2026) ([American Banker](https://www.americanbanker.com/payments/news/paypal-partners-with-metas-muse-ai-assistant)) |
| [Circle (USDC)](https://www.bankingnewsai.com/fintech/circle) | Circle Agent Stack for AI-agent payments (May 2026) ([Circle](https://www.circle.com/pressroom/circle-launches-ai-infrastructure-to-power-the-agentic-economy)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/circle) | Chainalysis counts 138 million agent payments on Base (Oct 14, 2026) ([Fortune](https://fortune.com/2026/10/14/ai-agents-shopping-spree-payments-base-blockchain-138-million-chainalysis/)) |
| Credit unions in Ohio and the Carolinas | Not disclosed | No profile | Not disclosed |
| [Charles Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | Portfolio Insights generative-AI summaries for self-directed retail clients (May 2026) ([Charles Schwab](https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-Launches-AI-Powered-Capability-That-Helps-Investors-Understand-Portfolio-Performance-and-Market-Activity/default.aspx)) | [Index 80.7 (#19); 19 use cases, 15 in production](https://www.bankingnewsai.com/banks/charles-schwab) | How Charley was built: employee testing, confirmation before any change (Oct 8, 2026) ([Traders Magazine](https://www.tradersmagazine.com/featured_articles/charles-schwabs-amy-ruegg-ai-can-make-investing-easier-but-human-expertise-remains-key/)) |

## Who should look beyond Park National, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Customers who want an AI virtual assistant in their banking app | [Fifth Third (Jeanie) or Bank of America (Erica)](https://www.bankingnewsai.com/banks/fifth-third) | Park reports chat and a virtual voice assistant but does not describe either as AI. Fifth Third's Jeanie won Best Chatbot at the 2026 Tearsheet AI Innovation Awards, and Bank of America's Erica has helped more than 24.6 million clients. ([Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm), [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| People who need branches outside Ohio, Kentucky, the Carolinas and Tennessee | [JPMorgan Chase or Bank of America](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Park operated 87 financial service offices in Ohio, northern Kentucky and the Carolinas at December 31, 2025, before adding Tennessee in February 2026. Chase reported 5,083 branches in 2025, and Bank of America runs 3,500 financial centers in more than 100 US markets. ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm), [Park National Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/02/02/3230229/4491/en/p.html), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Customers who want a branchless, app-only checking account | [Chime](https://www.bankingnewsai.com/fintech/chime) | Park competes on office locations and trained staff as well as mobile banking, its 10-K says. Chime avoids branches, had 10.4 million active members at June 30, 2026, and offers some members Jade, an in-app AI financial partner. ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) |
| Small businesses in central Ohio that want a lender building AI into loan origination | [Huntington](https://www.bankingnewsai.com/banks/huntington) | Park has selected nCino for a new commercial loan origination system and describes no AI in it. Huntington is an investor in and design partner of Casca's generative-AI loan origination platform, alongside Live Oak, and holds 43.7% of Columbus-area deposits. ([Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm), [American Banker](https://www.americanbanker.com/news/huntington-live-oak-to-invest-in-deploy-gen-ai-based-lending), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| Businesses that want to hold or pay in dollar stablecoins | [Circle](https://www.bankingnewsai.com/fintech/circle) | Park's 10-K treats digital assets that provide payment functionality as competition for deposits rather than a product it offers. Circle's USDC had $73.3 billion in circulation at June 30, 2026, and Circle received final OCC approval for a national trust bank in July 2026. ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm), [Circle](https://www.circle.com/pressroom/circle-reports-second-quarter-2026-results), [Circle](https://www.circle.com/pressroom/circle-receives-final-occ-approval-to-establish-national-trust-bank)) |

## Where does Park National rank in its home market around Columbus?

Deposits and offices in the Columbus, Ohio metropolitan area, which includes Park's home county of Licking, at June 30, 2025 ($118.57 billion in total), summed by this site from the FDIC's branch-level Summary of Deposits.

| Rank | Bank | Deposits | Share | Offices |
| --- | --- | --- | --- | --- |
| 1 | Huntington | $51.81 billion | 43.70% | 64 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 2 | JPMorgan Chase | $24.63 billion | 20.77% | 61 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 3 | PNC | $8.76 billion | 7.39% | 42 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 4 | Bank of America | $7.16 billion | 6.03% | 17 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 5 | Fifth Third | $6.86 billion | 5.79% | 42 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 6 | Park National Bank | $2.90 billion | 2.44% | 23 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 7 | U.S. Bank | $2.12 billion | 1.79% | 31 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |

## Where does Park National rank among Ohio banks?

Ohio deposits and offices at June 30, 2025 ($565.32 billion in total), summed by this site from the FDIC Summary of Deposits.

| Rank | Bank | Ohio deposits | Share | Offices |
| --- | --- | --- | --- | --- |
| 1 | U.S. Bank | $111.51 billion | 19.73% | 161 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOH%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 2 | Huntington | $96.09 billion | 17.00% | 343 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOH%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 3 | KeyBank | $68.66 billion | 12.15% | 172 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOH%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 4 | Fifth Third | $66.89 billion | 11.83% | 246 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOH%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 5 | JPMorgan Chase | $45.72 billion | 8.09% | 231 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOH%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 6 | PNC | $38.23 billion | 6.76% | 219 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOH%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 9 | WesBanco | $8.55 billion | 1.51% | 114 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOH%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 10 | Park National Bank | $7.63 billion | 1.35% | 75 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOH%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |
| 12 | First Financial Bank | $7.54 billion | 1.33% | 57 ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOH%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000)) |

## Common questions

### Who are Park National's biggest competitors?

In central Ohio, Huntington (43.7% of Columbus-area deposits) and JPMorgan Chase (20.77%), then PNC, Bank of America and Fifth Third, at June 30, 2025. Statewide, U.S. Bank, Huntington, KeyBank and Fifth Third lead, with WesBanco and First Financial Bancorp nearest Park in size. Its 10-K also names credit unions, brokers, mortgage bankers and fintechs. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOH%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm))

### Is Huntington a competitor of Park National?

Yes, the largest in its home market. Columbus-headquartered Huntington held $51.81 billion of Columbus-area deposits in 64 offices at June 30, 2025, against Park's $2.90 billion in 23. On AI, Huntington reports 50 agents in production and more than 60 in development (April 2026); Park reports one AI tool for bankers. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/), [Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm))

### Who competes with Park National in the Carolinas?

In Spartanburg, South Carolina, Truist (21.36% of deposits), First Citizens (16.41%), Bank of America, Wells Fargo and United Community Bank all held more deposits than Park's single office (4.05%) at June 30, 2025. Park's 10-K names Charlotte and Raleigh among its focus metro areas, where Truist and First Citizens are also based. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A43900%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm))

### Is Chime a competitor of Park National?

By category. Park's 10-K says fintechs are providing 'nontraditional, but increasingly strong competition' for its borrowers and depositors, and Chime's 10-K says its branchless model gives it a cost advantage over traditional banks. Chime had 10.4 million active members at June 30, 2026. Neither company names the other. ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results))

### Does Park National see crypto and stablecoins as competition?

Yes. Its 2025 10-K says digital assets and cryptocurrencies 'operate as competitors' because many seek to provide payment functionality, and that customers may hold money in them that would otherwise sit in deposit accounts. Circle's USDC, the largest regulated dollar stablecoin on this site, had $73.3 billion in circulation at June 30, 2026. ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm), [Circle](https://www.circle.com/pressroom/circle-reports-second-quarter-2026-results))

### What are alternatives to Park National for small business banking?

In central Ohio, Huntington, which holds 43.7% of Columbus-area deposits and is a design partner of Casca's generative-AI loan origination platform; for card acceptance and payments, PayPal, whose bill-payment services Park's 10-K names as a deposit risk. Park itself is moving commercial lending onto an nCino origination system. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [American Banker](https://www.americanbanker.com/news/huntington-live-oak-to-invest-in-deploy-gen-ai-based-lending), [Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm), [PayPal Holdings, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/pypl-20251231.htm), [Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm))

### Who competes with Park National in Tennessee?

Park entered Tennessee by merging First Citizens National Bank of Dyersburg on February 2, 2026. At June 30, 2025 that bank held 65.33% of deposits in Dyersburg branch offices, ahead of Simmons Bank (14.90%), Security Bank (11.45%) and Regions (6.00%), per FDIC Summary of Deposits data. Park plans to convert the Tennessee bank's legacy core system in the third quarter of 2026. ([Park National Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/02/02/3230229/4491/en/p.html), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3ATN%20AND%20YEAR%3A2025%20AND%20CITYBR%3ADyersburg&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000061/prk-20260630.htm))

### Park National vs WesBanco: how do they compare in Ohio?

They sit next to each other in the Ohio deposit rankings: WesBanco ninth with $8.55 billion in 114 offices and Park tenth with $7.63 billion in 75 at June 30, 2025. WesBanco converted Premier Financial in 2025 and reports 7.7 million digital logins a month; Park closed the First Citizens National Bank merger in February 2026. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOH%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm), [Park National Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/02/02/3230229/4491/en/p.html))

### Park National vs Fifth Third: how do they compare?

Fifth Third held 11.83% of Ohio deposits in 246 offices at June 30, 2025, against Park's 1.35% in 75; in the Columbus area the two were fifth and sixth. Fifth Third's Jeanie AI assistant won Best Chatbot at the 2026 Tearsheet awards, while Park's annual report describes a virtual voice assistant without calling it AI. ([Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=STALPBR%3AOH%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Federal Deposit Insurance Corporation](https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000), [Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html), [Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm))

## Peers on this site

- [First Financial Bancorp AI strategy](https://www.bankingnewsai.com/banks/first-financial-ohio) · [vs peers](https://www.bankingnewsai.com/banks/first-financial-ohio/vs-peers)
- [WesBanco AI strategy](https://www.bankingnewsai.com/banks/wesbanco) · [vs peers](https://www.bankingnewsai.com/banks/wesbanco/vs-peers)
- [First Merchants Corporation AI strategy](https://www.bankingnewsai.com/banks/first-merchants) · [vs peers](https://www.bankingnewsai.com/banks/first-merchants/vs-peers)
- [First Commonwealth Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/first-commonwealth) · [vs peers](https://www.bankingnewsai.com/banks/first-commonwealth/vs-peers)
- [First Busey Corporation AI strategy](https://www.bankingnewsai.com/banks/busey) · [vs peers](https://www.bankingnewsai.com/banks/busey/vs-peers)
- [Old National Bancorp AI strategy](https://www.bankingnewsai.com/banks/old-national) · [vs peers](https://www.bankingnewsai.com/banks/old-national/vs-peers)
- [United Bankshares AI strategy](https://www.bankingnewsai.com/banks/united-bankshares) · [vs peers](https://www.bankingnewsai.com/banks/united-bankshares/vs-peers)

## Sources

1. Park National Corporation Form 10-K for the fiscal year ended December 31, 2025 — Park National Corporation (SEC filing), Feb 23, 2026. https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm
2. FDIC Summary of Deposits, Columbus, Ohio MSA branch offices (data as of June 30, 2025; totals summed by bankingnewsai.com) — Federal Deposit Insurance Corporation, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=MSABR%3A18140%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000
3. FDIC Summary of Deposits, Ohio branch offices (data as of June 30, 2025; deposit totals and shares summed by bankingnewsai.com) — Federal Deposit Insurance Corporation, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=STALPBR%3AOH%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000
4. Park National Bank announces completion of First Citizens National Bank merger — Park National Corporation (GlobeNewswire), Feb 2, 2026. https://globenewswire.com/news-release/2026/02/02/3230229/4491/en/p.html
5. FDIC Summary of Deposits, Spartanburg, South Carolina MSA branch offices (data as of June 30, 2025; totals summed by bankingnewsai.com) — Federal Deposit Insurance Corporation, Jun 30, 2025. https://api.fdic.gov/banks/sod?filters=MSABR%3A43900%20AND%20YEAR%3A2025&fields=CERT,NAMEFULL,DEPSUMBR&limit=10000
6. PayPal Holdings, Inc. Annual Report (Form 10-K) for fiscal year 2025 — PayPal Holdings, Inc. via SEC EDGAR, Feb 3, 2026. https://www.sec.gov/Archives/edgar/data/1633917/000163391726000024/pypl-20251231.htm
7. Circle Reports Second Quarter 2026 Results — Circle, Aug 5, 2026. https://www.circle.com/pressroom/circle-reports-second-quarter-2026-results
8. Chime Reports Second Quarter 2026 Financial Results — Chime, Aug 5, 2026. https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results
9. WesBanco, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — WesBanco (SEC filings), Mar 2, 2026. https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm
10. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Truist Financial (SEC filing), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000030/tfc-20251231.htm
11. United Bank Receives National Recognition as a Best Company to Work for and Best-in-State Bank for 2025 — United Bank, Jul 21, 2025. https://bankwithunited.com/news/corporate-financial/united-bank-receives-national-recognition-as-a-best-company-to-work-for-and-best-in-state-bank-for-2025.html
12. United Bank Opens New Location in Charlotte's Bustling SouthPark Neighborhood — United Bank, Mar 14, 2024. https://bankwithunited.com/news/corporate-financial/united-bank-opens-new-location-in-charlottes-bustling-southpark-neighborhood.html
13. Chime Financial, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — Chime via SEC EDGAR, Mar 6, 2026. https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm
14. Who we are: history and facts — PayPal, Sep 23, 2026. https://about.pypl.com/who-we-are/history-and-facts/default.aspx
15. Charles Schwab Launches AI-Powered Capability That Helps Investors Understand Portfolio Performance and Market Activity — Charles Schwab, May 5, 2026. https://pressroom.aboutschwab.com/press-releases/press-release/2026/Charles-Schwab-Launches-AI-Powered-Capability-That-Helps-Investors-Understand-Portfolio-Performance-and-Market-Activity/default.aspx
16. Park National Corporation Form 10-Q for the quarterly period ended June 30, 2026 — Park National Corporation (SEC filing), Aug 7, 2026. https://www.sec.gov/Archives/edgar/data/805676/000080567626000061/prk-20260630.htm
17. At Huntington Bancshares, the CFO is also the AI strategist — Fortune, Apr 24, 2026. https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/
18. Coverbase Adds Third-Party Risk Veterans as Enterprise Adoption Accelerates — Coverbase (GlobeNewswire), Sep 29, 2026. https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html
19. 2026 Company Update Transcript - Chairman and CEO Q&A — JPMorganChase, Feb 25, 2026. https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf
20. JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts — CNBC, Oct 13, 2026. https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html
21. JPMorgan CEO Dimon warns customers of 'liability transfer' with AI — Banking Dive, Oct 13, 2026. https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870
22. JPMorgan warns of risks to consumers who rely on AI agents — American Banker, Oct 13, 2026. https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents
23. Fifth Third's Jeanie Named Best Chatbot by Tearsheet AI Innovation Awards — Fifth Third, Aug 12, 2026. https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html
24. Alum Spotlight: Jay Budzik (PhD '03) — Northwestern McCormick School of Engineering, Oct 12, 2026. https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html
25. Benchmarking AI adoption: What U.S. Bank's playbook tells us — American Banker, Sep 2, 2026. https://www.americanbanker.com/news/benchmarking-ai-adoption-what-u-s-banks-playbook-tells-us
26. How U.S. Bank Is Industrializing AI — Forbes (Yahoo Finance), Oct 7, 2026. https://finance.yahoo.com/news/u-bank-industrializing-ai-132012524.html
27. PNC's New Mobile App Delivers an Intuitive, Personalized Experience to Help Clients Seamlessly Manage Their Day-to-Day Financial Lives — PNC via FT Markets, Jul 7, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202607070807PR_NEWS_USPRX____NE98867-1
28. Mark Williamson hired as Head of ATM Banking — Columbus Business First (bizjournals.com), Sep 25, 2026. https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson
29. KeyBank Taps $100 Million Increase in Technology Spend (AI calls at $0.25 vs $9) — PYMNTS, Jan 23, 2026. https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/
30. The Most Powerful Women in Banking NEXT, #3, Emily Gessner, KeyBank — American Banker, Oct 1, 2026. https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-3-emily-gessner-keybank
31. Q2 2026 Investor Presentation (Form 8-K, Exhibit 99.1) — WesBanco (SEC filings), May 4, 2026. https://www.sec.gov/Archives/edgar/data/203596/000119312526204123/wsbc-ex99_1.htm
32. Q3 2026 Investor Presentation (Form 8-K, Exhibit 99.1) — WesBanco (SEC filings), Aug 27, 2026. https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm
33. First Financial Bancorp. Form 8-K (Item 5.02: appointment of President, Chief Banking Officer and Chief Operating Officer) — First Financial Bancorp (SEC filings), Sep 15, 2026. https://www.sec.gov/Archives/edgar/data/708955/000070895526000155/ffbc-20260914.htm
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35. Exhibit 99.3: First quarter 2026 earnings presentation (Form 8-K) — Truist Financial (SEC filing), Apr 17, 2026. https://www.sec.gov/Archives/edgar/data/92230/000009223026000039/ex993-earningsdeck1q26.htm
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