How does Park National Corporation compare with its peers on AI and technology?
On this site's AI disclosure index Park National scores 6.6 (#103 of 120 US banks), sixth in an eight-bank group of Ohio Valley and Midwest banks led by Old National (66), Busey (44.9) and First Merchants (29.8), and ahead only of First Financial Bancorp (4.4) and United Bankshares (2). Park's AI record is short and sits in one document: its 2025 annual report, filed March 9, 2026, says it implemented an 'AI-powered Auto-Coach' that puts answers at bankers' fingertips, reports chat volumes up 25% and virtual voice assistant self-service up 132% in 2025, and quotes chairman David Trautman calling AI 'a tool, and a cracking cool one' whose value depends on the person using it. Its 10-K and both 2026 10-Qs contain no AI language at all, and it names no AI leader, vendor or budget. The peers that lead put people and numbers on the record: Busey named its first director of AI, data science and insights in April 2026 and reports Glia voice AI handling 61.5% of contact-center calls; Old National runs an AI center of excellence and a vendor case study credits its loan reviewers with about 31% efficiency gains; First Merchants has rolled Microsoft Copilot out across the organization. Park's visible technology work in 2026 is integration: the First Citizens National Bank merger closed February 2, 2026, Tennessee's legacy core runs until a third-quarter conversion, and data processing fees rose to $15.1 million in the second quarter from $11.0 million a year earlier.[1][2][3][4][5][6][7][8][9][10]
Data as of Oct 19, 2026 · Park National profile updated Oct 13, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown
Where does Park National lead its peers on AI?
01
A named AI tool for bankers, where First Financial Bancorp and United Bankshares name none
Park's 2025 annual report says it implemented an AI-powered Auto-Coach in 2025 that puts the right answers at bankers' fingertips. First Financial Bancorp discloses no AI programme, leader or budget, and its CISO said in 2025 'We are building our AI strategy'; United Bankshares discloses no AI programme, vendor or roadmap as of September 2026.[1][11][12][13]
02
A disclosed self-service growth figure, which WesBanco and First Merchants do not give
Park reports chat volumes up 25% and self-service through its virtual voice assistant up 132% in 2025. WesBanco reports channel reach instead, about 80% of retail customers on digital channels and 7.7 million logins a month, and First Merchants gives no service-channel figure; only Busey, with 61.5% of calls handled by Glia virtual assistants, reports more.[1][14][6]
03
Account opening in under five minutes on MANTL
Park's 2024 annual report says its MANTL digital account-opening platform takes under five minutes start to finish, alongside an automated home valuation tool for home equity loans. First Merchants' comparable disclosure is a 2024 digital platform conversion costing $2.4 million, with no completion-time figure.[15][16]
Where does Park National trail its peers on AI?
01
No AI in its SEC filings, while First Financial and First Merchants have added it
None of Park's FY2024 and FY2025 10-Ks or its first- and second-quarter 2026 10-Qs mentions AI. First Financial Bancorp's 10-K went from no AI references (FY2023) to a stand-alone risk factor with about 25 (FY2025), and First Merchants' 2025 10-K says it and its vendors use and develop machine-learning and generative AI tools under governance frameworks.[17][2][3][4][18][12][19]
02
No named AI leader, unlike Busey and Old National
Park lists CIO Malory Dcosta, COO Todd Bogdan and CRO Jeff Wilson but no head of AI or chief data officer. Busey named Adrianne Bernini its first director of AI, data science and insights in April 2026, and Old National set up an AI center of excellence in its technology and data teams (Q1 2026 call).[1][5][7]
03
The fewest own disclosures in the group
Park ranks eighth of eight on its own primary disclosures (10, against a group median of 22) and seventh on independent sources (2, median 4). WesBanco's investor decks since May 2026 say it is advancing automation and AI in loan operations, the call center and credit underwriting; Park's earnings releases and calls name no AI work.[20][14][21]
04
No measured AI result, while Busey and Old National report one
Park gives no figure for what Auto-Coach saves or changes. Busey says Glia voice AI cut post-call wrap-up time by 50% and let it absorb 30,000 CrossFirst customers without extra headcount; Abrigo reports Old National's loan reviewers gained about 31% in efficiency with its AI Loan Review Assistant (July 2026).[1][6][8]
Where does Park National rank against its peers on AI disclosure?
Scores from the US AI disclosure index of 120 banks (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.
| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
|---|---|---|---|---|---|---|---|
| Old National Bancorp | 66 | #40 of 120 | 9 | 22 | 10 of 14 | 18 | Vendor-delivered automation on an acquisition-built bank[22][23][24][25] |
| First Busey Corporation | 44.9 | #64 of 120 | 4 | 21 | 10 of 13 | 13 | Director of AI, Data Science and Insights (from April 2026)[5][26][27][28][6][29] |
| First Merchants Corporation | 29.8 | #88 of 120 | 3 | 22 | 9 of 11 | 18 | Not disclosed |
| WesBanco | 26.9 | #92 of 120 | 2 | 23 | 9 of 12 | 17 | Not disclosed |
| First Commonwealth Financial Corporation | 25.9 | #94 of 120 | 6 | 14 | 7 of 8 | 10 | Not disclosed |
| Park National Corporation (this page) | 6.6 | #103 of 120 | 2 | 10 | 5 of 8 | 10 | Not disclosed |
| First Financial Bancorp | 4.4 | #105 of 120 | 7 | 24 | 8 of 11 | 17 | Not disclosed |
| United Bankshares | 2 | #116 of 120 | 3 | 25 | 5 of 8 | 13 | Not disclosed |
On which parts of the AI record is Park National ahead of or behind its peers?
Each row is one input of the index, counted on the profiles of Park National and the 7 peers that are scored on the same basis. "Place" is Park National's position in the group of 8 (1st = most).
| Component (weight) | Park National | Peer median | Most in the group | Place |
|---|---|---|---|---|
| Independent sources (45%) | 2 | 4 | Old National (9) | 7th of 8 |
| Use cases in production (10%) | 5 | 9 | Busey Bank (10) | 7th of 8 |
| Own primary disclosures (10%) | 10 | 22 | United Bank (25) | 8th of 8 |
| Dated moves, last 12 months (10%) | 10 | 17 | First Merchants (18) | 7th of 8 |
| Disclosed numbers (5%) | 11 | 13 | Old National (16) | 7th of 8 |
| Named AI leaders (5%) | 6 | 7 | Old National (12) | 5th of 8 |
| Use cases described (5%) | 8 | 11 | Old National (14) | 6th of 8 |
What has each bank in Park National's peer group disclosed about its AI?
Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.
| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
|---|---|---|---|---|---|
| Park National Corporation | Not disclosed | 6, incl. Matthew R. Miller (President and Chief Executive Officer)[1][30] | Virtual voice assistant self-service growth: 132% in 2025 (Dec 31, 2025)[1] | Not disclosed | Not surveyed |
| First Financial Bancorp | Not disclosed | 7, incl. Archie Brown (Chief Executive Officer)[31][32][33] | AI references in the 10-K, FY2023 / FY2024 / FY2025: none / 1 passage / about 25 (Feb 19, 2026)[18][34][12] | Not disclosed | 0 open AI roles (Sep 24, 2026) |
| WesBanco | Not disclosed | 5, incl. Jeff Jackson (President and CEO)[35][36] | Retail customers using digital channels / logins per month: ≈ 80% / 7.7 million (Jun 30, 2026)[14] | Not disclosed | Not surveyed |
| First Merchants Corporation | Not disclosed | 7, incl. Mark K. Hardwick (President and CEO)[37][38][39] | Digital platform conversion cost (non-core, 2024): $2.4 million (Dec 31, 2024)[19] | Not disclosed | Not surveyed |
| First Commonwealth Financial Corporation | Not disclosed | 6, incl. Mike Price (President and Chief Executive Officer)[40] | Full-time employees: 1,522 full-time and 55 part-time (Dec 31, 2025)[41] | Not disclosed | Not surveyed |
| First Busey Corporation | Director of AI, Data Science and Insights (from April 2026)[5][26][27][28][6][29] | 8, incl. Van A. Dukeman (Chairman, President and CEO)[42][43] | Not disclosed | Not disclosed | Not surveyed |
| Old National Bancorp | Vendor-delivered automation on an acquisition-built bank[22][23][24][25] | 12, incl. Jim Ryan (Chairman and CEO)[44][45] | Legacy Power BI code clean-up with AI: ≈ 1 week vs ≈ 1 month for top programmers (Apr 22, 2026)[7] | None found (the profile's patent search)[46][47] | 1 open AI roles (Oct 1, 2026); most in AI product & strategy |
| United Bankshares | Not disclosed | 6, incl. Richard M. Adams Jr. (Chief Executive Officer)[48][49] | AI passages in the 10-K, 2024 report vs 2025 report: 1 vs 4 (Feb 27, 2026)[50][51] | Not disclosed | Not surveyed |
What are the latest dated moves on the AI record of Park National and its peers?
The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.
| Date | Bank | Move |
|---|---|---|
| Oct 8, 2026 | United Bank | Florida expansion announced[52] |
| Oct 1, 2026 | First Merchants | CEO succession: Stewart to replace Hardwick on 1 January 2027[39][53] |
| Sep 23, 2026 | United Bank | Charleston operations centre opens[54] |
| Sep 14, 2026 | First Financial Bank | Succession reshuffle: Anderson president, former CIO Myers COO[33][55] |
| Aug 27, 2026 | WesBanco | Q3 2026 investor presentation repeats the AI initiatives[14] |
| Aug 11, 2026 | First Merchants | Customer warning on bank-impersonation scams[56] |
| Aug 10, 2026 | First Commonwealth | Q2 2026 10-Q: no AI language[57][58] |
| Aug 7, 2026 | Park National | Q2 10-Q: data processing costs up, Tennessee legacy core still running[4] |
| Aug 6, 2026 | Busey Bank | Q2 2026 10-Q: AI named in forward-looking risks; headcount and data processing[59] |
| Aug 6, 2026 | First Financial Bank | Q2 2026 10-Q: no AI language[60][61] |
| Jul 30, 2026 | WesBanco | Q2 2026 10-Q has no AI language[62] |
| Jul 29, 2026 | Old National | Q2 2026 10-Q has no AI language[63][64][44] |
| Jul 29, 2026 | First Commonwealth | Q2 2026 call: call-centre AI example[40][65] |
| Jul 28, 2026 | Busey Bank | Q2 2026 investor presentation: AI in the CFO's portfolio[28] |
| Jul 27, 2026 | Park National | Q2 2026 results; conversion on track for third quarter[21] |
| Jul 22, 2026 | Old National | Q2 2026 call: AI for scalability[66] |
How does Park National's AI compare with its Midwest peers'?
What each bank in the group has put on the record about AI tools, who owns them and what its latest 10-K says. A blank means nothing is disclosed, not that nothing exists.
| Bank | AI tool or usage on the record | Who owns AI | AI in the latest 10-K |
|---|---|---|---|
| Park National | AI-powered Auto-Coach for bankers (2025) | Not named; CIO Malory Dcosta | None (FY2025 10-K, February 23, 2026)[1][2] |
| Old National | AI center of excellence; Abrigo AI Loan Review Assistant (about 31% efficiency, vendor-reported) | AI center of excellence in technology and data | Risk factor naming 'digital employees and digital engineers'[7][8][67] |
| Busey | Glia voice AI handling 61.5% of calls; AI-powered fraud and threat detection | Adrianne Bernini, director of AI, data science and insights (April 2026) | Failure to adopt or govern generative AI named as a competitive risk[6][5][27] |
| First Merchants | Microsoft Copilot across the organization; AI at mortgage intake (June 2026) | CIO Stephan Fluhler | First AI mention: the company and vendors use and develop ML and generative AI tools[9][19] |
| WesBanco | Automation and AI in loan operations, the call center and credit underwriting (investor decks) | Chief Administrative Officer Jan Pattishall-Krupinski runs technology and operations | AI named among competitors' technologies that could force new investment[20][68] |
| First Financial Bancorp | None disclosed; 'We are building our AI strategy' (CISO, 2025) | Not named | Stand-alone AI risk factor with about 25 references[11][12] |
| United Bankshares | None disclosed | Darren K. Williams, chief risk and information officer | Four AI passages, on cyber, fraud and its own use of automation and algorithms[13][51][50] |
How do Park National's customer channels compare with its peers' and home-market rivals'?
Service-channel and assistant figures each bank has disclosed, including Fifth Third and KeyBank, the two Ohio-headquartered regionals Park meets at home.
| Bank | Assistant or channel | Figure disclosed | Date |
|---|---|---|---|
| Park National | Chat; virtual voice assistant (not described as AI); MANTL account opening | Chat up 25%, voice-assistant self-service up 132% in 2025; account opening under five minutes | March 2026; March 2025[1][15] |
| Busey | Glia voice AI in the contact center | 61.5% of calls handled by virtual assistants; wrap-up time down 50% | February 2026[6] |
| WesBanco | Digital banking | About 80% of retail customers on digital channels; 7.7 million logins a month | 2026 year to date[14] |
| Fifth Third | Jeanie AI banking assistant | Best Chatbot, Tearsheet AI Innovation Awards 2026 | 2026[69] |
| KeyBank | AI-handled customer calls | About $0.25 per AI-handled call against $9 for a human-handled one | Q4 2025 call[70][71] |
How does Park National's technology spending compare with its peers'?
No bank in the group discloses an AI budget. These are the technology cost lines each one reports, with the conversion work behind them.
| Bank | Technology cost line | Amount | What drove it |
|---|---|---|---|
| Park National | Data processing fees | $15.1 million in Q2 2026 (Q2 2025: $11.0 million); $28.3 million in the first half | Mainly software expense; Tennessee's legacy core runs until the third-quarter 2026 conversion[4] |
| WesBanco | Equipment and software expense | $62.6 million in 2025, up 51.6% | Running two cores until mid-May 2025 after the Premier Financial conversion[68] |
| Busey | Data processing expense | $43.2 million in 2025 (2024: $27.1 million) | The year CrossFirst Bankshares was merged in[27] |
| United Bankshares | Data processing expense | $14.1 million in the first half of 2026 (first half 2025: $16.4 million) | Technology contract renegotiations[72] |
Which banks are Park National's peers, and why these?
Park National Corporation is compared here with First Financial Bancorp, WesBanco, First Merchants Corporation, First Commonwealth Financial Corporation, First Busey Corporation, Old National Bancorp and United Bankshares: chosen by the editors for this page (see the note below the table). Park National Corporation is classed as a regional or retail-commercial bank in the Midwest.
The computed group mixed in banks from Wisconsin, Missouri, Colorado and Texas; this group keeps Park with the Ohio Valley and Midwest community-commercial banks of comparable model that it meets or borders (First Financial Bancorp and WesBanco in Ohio, First Merchants and Old National next door, First Commonwealth and Busey), plus United Bankshares, which like Park runs offices in both Ohio and the Carolinas.
Does Park National use AI?
Yes, on a small and lightly disclosed scale. Its 2025 annual report says Park implemented an AI-powered Auto-Coach for bankers in 2025, and the chairman's letter calls AI 'a tool, and a cracking cool one'. Its 10-K and 2026 10-Qs contain no AI language, and it names no AI vendor, budget or AI leader.[1][2][3][4]
Is Park National better than Old National at AI?
The record cannot settle capability, but Old National has put far more on it: 66 on this site's disclosure index against Park's 6.6. Old National runs an AI center of excellence, uses vendor AI in disputes and international payments, and is the subject of an Abrigo case study on AI loan review. Park's record is one AI tool named in its annual report.[7][8][1]
Does Park National have an AI virtual assistant like Fifth Third's Jeanie?
Park has a virtual voice assistant whose self-service use grew 132% in 2025 and a chat channel whose volume rose 25%, but its annual report does not say the voice assistant is AI-based. Fifth Third's Jeanie, an AI banking assistant in its mobile app, won Best Chatbot at the 2026 Tearsheet AI Innovation Awards.[1][69]
How does Park National compare with Busey on AI?
Busey scores 44.9 on this site's index and Park 6.6. Busey named a director of AI, data science and insights in April 2026, and Glia voice AI handles 61.5% of its contact-center calls; its 10-K says AI-powered tools add layers of fraud detection. Park reports an AI-powered Auto-Coach for bankers and growth in voice-assistant self-service, without naming an AI owner.[5][6][27][1]
How does Park National's technology spending compare with its peers'?
Park discloses no technology or AI budget; data processing fees were $15.1 million in the second quarter of 2026 against $11.0 million a year earlier, mainly software. WesBanco's equipment and software expense was $62.6 million in 2025 and Busey's data processing expense $43.2 million; both reflect merger conversions, as Park's increase does.[4][68][27]
Who leads AI at Park National?
No one is named. The 2025 annual report lists CIO Malory Dcosta, COO Todd Bogdan and Chief Risk Officer Jeff Wilson, who also sit on the 10-K's cyber-incident escalation group, and Matthew Miller became CEO on January 1, 2026. Busey and Old National, by contrast, name an AI director and an AI center of excellence.[1][2][30][5][7]
How does Park National compare with WesBanco on technology?
WesBanco scores 26.9 on this site's disclosure index against Park's 6.6. Its investor decks since May 2026 say it is advancing automation and AI in loan operations, the call center and credit underwriting, and it reports about 80% of retail customers on digital channels. Park's comparable figures are chat volumes up 25% and voice-assistant self-service up 132% in 2025.[20][14][1]
How does Park National compare with First Merchants on AI?
First Merchants scores 29.8 on this site's index and Park 6.6. First Merchants' specialty-lending president said in June 2026 that Microsoft Copilot has been rolled out across the organization and that AI is applied at mortgage intake, and its 2025 10-K describes governance over machine-learning and generative AI tools. Park names one AI tool, Auto-Coach, and no AI governance in its filings.[9][19][1][2]
What does Park National's chairman say about AI?
In the 2025 annual report David Trautman wrote that 'AI has a place. It is a tool, and a cracking cool one', but that 'the tool will only be able to do so much'. The 2024 letter, answering the shareholder question 'How are you positioned for artificial intelligence (AI)?', said Park was thinking about how AI can enhance human relationships.[1][15]
- Park National Corporation 2025 Annual Report to Shareholders (Form ARS)
- Park National Corporation Form 10-K for the fiscal year ended December 31, 2025
- Park National Corporation Form 10-Q for the quarterly period ended March 31, 2026
- Park National Corporation Form 10-Q for the quarterly period ended June 30, 2026
- Bernini Joins Busey as Director of AI
- Building Relationships When Checking No Longer Confers Primacy
- Old National (ONB) Q1 2026 Earnings Transcript
- Old National Bank increased loan review efficiency and capacity with Abrigo
- Executive Insights: Experts weigh in on state of crypto, AI and what the business community needs most from banks right now
- Park National Bank announces completion of First Citizens National Bank merger
- Fighting fraud in the age of AI: A First Financial Bank seminar
- First Financial Bancorp. Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- United Bankshares 2026 proxy statement (DEF 14A)
- Q3 2026 Investor Presentation (Form 8-K, Exhibit 99.1)
- Park National Corporation 2024 Annual Report to Shareholders (Form ARS)
- First Merchants Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2024
- Park National Corporation Form 10-K for the fiscal year ended December 31, 2024
- First Financial Bancorp. Annual Report on Form 10-K for the fiscal year ended December 31, 2023
- First Merchants Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- Q2 2026 Investor Presentation (Form 8-K, Exhibit 99.1)
- Park National Corporation reports financial results for second quarter and first half of 2026
- Old National Receives 2026 Trust in Banking Award
- Old National Bank, Axletree Solutions Partnership Finalizes Critical Swift Architecture, Achieves ISO 20022 Compliance for 2026
- Four tips to identify AI solutions that solve real business problems
- What not to share when using AI for personal finance help
- Q1 2026 Earnings Investor Presentation
- First Busey Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- Q2 2026 Earnings Investor Presentation (Form 8-K, Exhibit 99.2)
- Busey Bank: 30,000 New Customers, Zero Hiring
- Park National Corporation names Matthew R. Miller Chief Executive Officer; David L. Trautman to continue as Board Chair
- Cincinnati's First Financial strikes third deal in 13 months
- First Financial Bancorp Announces Second Quarter 2026 Financial Results, Quarterly Dividend Increase & Acquisition of Finward Bancorp
- First Financial Bancorp. Form 8-K (Item 5.02: appointment of President, Chief Banking Officer and Chief Operating Officer)
- First Financial Bancorp. Annual Report on Form 10-K for the fiscal year ended December 31, 2024
- WesBanco, Inc. 2025 Annual Report
- WesBanco Announces Second Quarter 2026 Financial Results
- First Merchants Corporation Announces Second Quarter 2026 Results
- First Merchants Bank Recognized on Forbes' World's Best Banks 2026
- First Merchants Corporation Form 8-K: CEO retirement and succession
- Earnings call transcript: First Commonwealth beats Q2 2026 estimates, shares rise
- First Commonwealth Financial Corporation Form 10-K for the fiscal year ended December 31, 2025
- First Busey Corporation Announces 2026 Second Quarter Earnings
- Busey, Dukeman Agree to Contract Extension
- Old National Bancorp Reports Record Second Quarter 2026 Results; Announces Enhanced Executive Leadership Structure
- Acquisitive Old National eyes growth in Midwest, Southeast
- Google Patents assignee search: Old National Bancorp (0 results)
- Google Patents assignee search: Old National Bank (only third-party patents that mention the bank)
- United Bankshares, Inc. Announces Record Earnings for the Second Quarter of 2026
- United Bank Celebrates 187 Years of Service
- United Bankshares, Inc. Form 10-K for 2024
- United Bankshares, Inc. Form 10-K for 2025
- United Bankshares, Inc. Announces Florida Expansion
- First Merchants Bank CEO Mark Hardwick to Retire at the End of 2026 and President Mike Stewart to Become President and CEO
- United Bank Opens New Operations Center In Charleston
- After year of rapid growth, Ohio bank revamps its top ranks
- It Could Happen to You: Bank Impersonation Scams
- First Commonwealth Financial Corporation Form 10-Q for the quarter ended March 31, 2026
- First Commonwealth Financial Corporation Form 10-Q for the quarter ended June 30, 2026
- First Busey Corporation Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
- First Financial Bancorp. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
- Earnings call transcript: First Financial Bancorp posts Q2 2026 profit beat
- WesBanco, Inc. Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
- Old National Bancorp Quarterly Report on Form 10-Q for the quarter ended June 30, 2026
- Old National Bancorp Quarterly Report on Form 10-Q for the quarter ended March 31, 2026
- First Commonwealth Financial Corporation Q2 2026 Earnings Call Summary
- Old National Bancorp Q2 Earnings Call Highlights
- Old National Bancorp Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- WesBanco, Inc. Annual Report on Form 10-K for the fiscal year ended December 31, 2025
- Fifth Third's Jeanie Named Best Chatbot by Tearsheet AI Innovation Awards
- KeyBank Taps $100 Million Increase in Technology Spend (AI calls at $0.25 vs $9)
- KeyCorp (KEY) Q4 2025 Earnings Call Highlights: Strong Revenue Growth and Strategic Investments
- United Bankshares, Inc. Announces Record Earnings for the Second Quarter of 2026 (full release)
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