# Park National Corporation vs peers: AI and technology compared

Source: https://www.bankingnewsai.com/banks/park-national/vs-peers
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.*

## 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. ([Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm), [Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm), [Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000039/prk-20260331.htm), [Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000061/prk-20260630.htm), [Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html), [Abrigo](https://www.abrigo.com/success-stories/how-old-national-bank-increased-loan-review-efficiency-and-capacity-with-ai-powered-workflow-intelligence/), [Louisville Business First](https://www.bizjournals.com/louisville/news/2026/06/05/executive-insights-experts-crypto-ai-business-bank.html), [Park National Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/02/02/3230229/4491/en/p.html))

## Where does Park National lead its peers on AI?

- **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. ([Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm), [First Financial Bank](https://www.bankatfirst.com/business/resources/commercial/fighting-fraud-in-the-age-of-ai.html), [First Financial Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/708955/000070895526000028/ffbc-20251231.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526135771/d931836ddef14a.htm))
- **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. ([Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883))
- **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. ([Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567625000020/a2024annualreport_final-.htm), [First Merchants Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/712534/000071253425000058/frme-20241231.htm))

## Where does Park National trail its peers on AI?

- **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. ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567625000014/prk-20241231.htm), [Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm), [Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000039/prk-20260331.htm), [Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000061/prk-20260630.htm), [First Financial Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/708955/000070895524000018/ffbc-20231231.htm), [First Financial Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/708955/000070895526000028/ffbc-20251231.htm), [First Merchants Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/712534/000071253426000022/frme-20251231.htm))
- **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). ([Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm), [Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html))
- **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. ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526204123/wsbc-ex99_1.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/2026/07/27/3333881/0/en/park-national-corporation-reports-financial-results-for-second-quarter-and-first-half-of-2026.html))
- **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). ([Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883), [Abrigo](https://www.abrigo.com/success-stories/how-old-national-bank-increased-loan-review-efficiency-and-capacity-with-ai-powered-workflow-intelligence/))

## 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](https://www.bankingnewsai.com/banks/old-national) | [66](https://www.bankingnewsai.com/banks/ai-index) | #40 of 120 | [9](https://www.bankingnewsai.com/banks/old-national#sources) | [22](https://www.bankingnewsai.com/banks/old-national#sources) | [10 of 14](https://www.bankingnewsai.com/banks/old-national#where) | [18](https://www.bankingnewsai.com/banks/old-national#timeline) | Vendor-delivered automation on an acquisition-built bank ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Receives-2026-Trust-in-Banking-Award), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=1330-9651962en-471PA5GUQ40497E71D0E3EU3B5), [Old National Bank](https://www.oldnational.com/resources/insights/four-tips-to-identify-ai-solutions-that-solve-real-business-problems/), [Old National Bank](https://www.oldnational.com/resources/insights/what-not-to-share-when-using-ai-for-personal-finance-help/)) |
| [First Busey Corporation](https://www.bankingnewsai.com/banks/busey) | [44.9](https://www.bankingnewsai.com/banks/ai-index) | #64 of 120 | [4](https://www.bankingnewsai.com/banks/busey#sources) | [21](https://www.bankingnewsai.com/banks/busey#sources) | [10 of 13](https://www.bankingnewsai.com/banks/busey#where) | [13](https://www.bankingnewsai.com/banks/busey#timeline) | Director of AI, Data Science and Insights (from April 2026) ([Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights), [First Busey Corporation](https://ir.busey.com/static-files/e566cc4a-c381-404d-a3b6-e8d0a79aced4), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000049/buse_20260728x26q2xex992.htm), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883), [Glia (case study)](https://www.glia.com/case-study/busey-bank)) |
| [First Merchants Corporation](https://www.bankingnewsai.com/banks/first-merchants) | [29.8](https://www.bankingnewsai.com/banks/ai-index) | #88 of 120 | [3](https://www.bankingnewsai.com/banks/first-merchants#sources) | [22](https://www.bankingnewsai.com/banks/first-merchants#sources) | [9 of 11](https://www.bankingnewsai.com/banks/first-merchants#where) | [18](https://www.bankingnewsai.com/banks/first-merchants#timeline) | Not disclosed |
| [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | [26.9](https://www.bankingnewsai.com/banks/ai-index) | #92 of 120 | [2](https://www.bankingnewsai.com/banks/wesbanco#sources) | [23](https://www.bankingnewsai.com/banks/wesbanco#sources) | [9 of 12](https://www.bankingnewsai.com/banks/wesbanco#where) | [17](https://www.bankingnewsai.com/banks/wesbanco#timeline) | Not disclosed |
| [First Commonwealth Financial Corporation](https://www.bankingnewsai.com/banks/first-commonwealth) | [25.9](https://www.bankingnewsai.com/banks/ai-index) | #94 of 120 | [6](https://www.bankingnewsai.com/banks/first-commonwealth#sources) | [14](https://www.bankingnewsai.com/banks/first-commonwealth#sources) | [7 of 8](https://www.bankingnewsai.com/banks/first-commonwealth#where) | [10](https://www.bankingnewsai.com/banks/first-commonwealth#timeline) | Not disclosed |
| [Park National Corporation (this page)](https://www.bankingnewsai.com/banks/park-national) | [6.6](https://www.bankingnewsai.com/banks/ai-index) | #103 of 120 | [2](https://www.bankingnewsai.com/banks/park-national#sources) | [10](https://www.bankingnewsai.com/banks/park-national#sources) | [5 of 8](https://www.bankingnewsai.com/banks/park-national#where) | [10](https://www.bankingnewsai.com/banks/park-national#timeline) | Not disclosed |
| [First Financial Bancorp](https://www.bankingnewsai.com/banks/first-financial-ohio) | [4.4](https://www.bankingnewsai.com/banks/ai-index) | #105 of 120 | [7](https://www.bankingnewsai.com/banks/first-financial-ohio#sources) | [24](https://www.bankingnewsai.com/banks/first-financial-ohio#sources) | [8 of 11](https://www.bankingnewsai.com/banks/first-financial-ohio#where) | [17](https://www.bankingnewsai.com/banks/first-financial-ohio#timeline) | Not disclosed |
| [United Bankshares](https://www.bankingnewsai.com/banks/united-bankshares) | [2](https://www.bankingnewsai.com/banks/ai-index) | #116 of 120 | [3](https://www.bankingnewsai.com/banks/united-bankshares#sources) | [25](https://www.bankingnewsai.com/banks/united-bankshares#sources) | [5 of 8](https://www.bankingnewsai.com/banks/united-bankshares#where) | [13](https://www.bankingnewsai.com/banks/united-bankshares#timeline) | 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)](https://www.bankingnewsai.com/banks/old-national) | 7th of 8 |
| Use cases in production (10%) | 5 | 9 | [Busey Bank (10)](https://www.bankingnewsai.com/banks/busey) | 7th of 8 |
| Own primary disclosures (10%) | 10 | 22 | [United Bank (25)](https://www.bankingnewsai.com/banks/united-bankshares) | 8th of 8 |
| Dated moves, last 12 months (10%) | 10 | 17 | [First Merchants (18)](https://www.bankingnewsai.com/banks/first-merchants) | 7th of 8 |
| Disclosed numbers (5%) | 11 | 13 | [Old National (16)](https://www.bankingnewsai.com/banks/old-national) | 7th of 8 |
| Named AI leaders (5%) | 6 | 7 | [Old National (12)](https://www.bankingnewsai.com/banks/old-national) | 5th of 8 |
| Use cases described (5%) | 8 | 11 | [Old National (14)](https://www.bankingnewsai.com/banks/old-national) | 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](https://www.bankingnewsai.com/banks/park-national) | Not disclosed | [6, incl. Matthew R. Miller (President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/park-national#people) ([Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm), [Park National Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2025/07/29/3123162/4491/en/Park-National-Corporation-names-Matthew-R-Miller-Chief-Executive-Officer-David-L-Trautman-to-continue-as-Board-Chair.html)) | Virtual voice assistant self-service growth: 132% in 2025 (Dec 31, 2025) ([Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm)) | Not disclosed | Not surveyed |
| [First Financial Bancorp](https://www.bankingnewsai.com/banks/first-financial-ohio) | Not disclosed | [7, incl. Archie Brown (Chief Executive Officer)](https://www.bankingnewsai.com/banks/first-financial-ohio#people) ([American Banker](https://www.americanbanker.com/news/cincinnatis-first-financial-strikes-third-deal-in-13-months), [First Financial Bancorp (PR Newswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-financial-bancorp-announces-second-203000197.html), [First Financial Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/708955/000070895526000155/ffbc-20260914.htm)) | AI references in the 10-K, FY2023 / FY2024 / FY2025: none / 1 passage / about 25 (Feb 19, 2026) ([First Financial Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/708955/000070895524000018/ffbc-20231231.htm), [First Financial Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/708955/000070895525000012/ffbc-20241231.htm), [First Financial Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/708955/000070895526000028/ffbc-20251231.htm)) | Not disclosed | [0 open AI roles (Sep 24, 2026)](https://www.bankingnewsai.com/banks/first-financial-ohio#roles) |
| [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | Not disclosed | [5, incl. Jeff Jackson (President and CEO)](https://www.bankingnewsai.com/banks/wesbanco#people) ([WesBanco](https://wesbanco.com/wp-content/uploads/2026/03/2025-Annual-Report-ADA-Compliant.pdf), [WesBanco (PR Newswire)](https://www.prnewswire.com/news-releases/wesbanco-announces-second-quarter-2026-financial-results-302831242.html)) | Retail customers using digital channels / logins per month: ≈ 80% / 7.7 million (Jun 30, 2026) ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm)) | Not disclosed | Not surveyed |
| [First Merchants Corporation](https://www.bankingnewsai.com/banks/first-merchants) | Not disclosed | [7, incl. Mark K. Hardwick (President and CEO)](https://www.bankingnewsai.com/banks/first-merchants#people) ([First Merchants Corporation (GlobeNewswire via Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/first-merchants-corporation-announces-second-200500052.html), [First Merchants Bank](https://firstmerchants.com/why-us/news/2026/06/04/first-merchants-bank-recognized-on-forbes--world-s-best-banks-2026), [First Merchants Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/712534/000071253426000067/frme-20261001.htm)) | Digital platform conversion cost (non-core, 2024): $2.4 million (Dec 31, 2024) ([First Merchants Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/712534/000071253426000022/frme-20251231.htm)) | Not disclosed | Not surveyed |
| [First Commonwealth Financial Corporation](https://www.bankingnewsai.com/banks/first-commonwealth) | Not disclosed | [6, incl. Mike Price (President and Chief Executive Officer)](https://www.bankingnewsai.com/banks/first-commonwealth#people) ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-beats-q2-2026-estimates-shares-rise-93CH-4821505)) | Full-time employees: 1,522 full-time and 55 part-time (Dec 31, 2025) ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000013/fcf-20251231.htm)) | Not disclosed | Not surveyed |
| [First Busey Corporation](https://www.bankingnewsai.com/banks/busey) | Director of AI, Data Science and Insights (from April 2026) ([Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights), [First Busey Corporation](https://ir.busey.com/static-files/e566cc4a-c381-404d-a3b6-e8d0a79aced4), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000049/buse_20260728x26q2xex992.htm), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883), [Glia (case study)](https://www.glia.com/case-study/busey-bank)) | [8, incl. Van A. Dukeman (Chairman, President and CEO)](https://www.bankingnewsai.com/banks/busey#people) ([First Busey Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/28/3334801/10701/en/First-Busey-Corporation-Announces-2026-Second-Quarter-Earnings.html), [First Busey Corporation (GlobeNewswire)](https://ir.busey.com/news-releases/news-release-details/busey-dukeman-agree-contract-extension/)) | Not disclosed | Not disclosed | Not surveyed |
| [Old National Bancorp](https://www.bankingnewsai.com/banks/old-national) | Vendor-delivered automation on an acquisition-built bank ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Receives-2026-Trust-in-Banking-Award), [GlobeNewswire via FT Markets](https://markets.ft.com/data/announce/full?dockey=1330-9651962en-471PA5GUQ40497E71D0E3EU3B5), [Old National Bank](https://www.oldnational.com/resources/insights/four-tips-to-identify-ai-solutions-that-solve-real-business-problems/), [Old National Bank](https://www.oldnational.com/resources/insights/what-not-to-share-when-using-ai-for-personal-finance-help/)) | [12, incl. Jim Ryan (Chairman and CEO)](https://www.bankingnewsai.com/banks/old-national#people) ([Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure), [American Banker](https://americanbanker.com/news/acquisitive-old-national-eyes-growth-in-midwest-southeast)) | Legacy Power BI code clean-up with AI: ≈ 1 week vs ≈ 1 month for top programmers (Apr 22, 2026) ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html)) | None found (the profile's patent search) ([Google Patents (USPTO)](https://patents.google.com/?assignee=%22Old+National+Bancorp%22), [Google Patents (USPTO)](https://patents.google.com/?assignee=%22Old+National+Bank%22)) | [1 open AI roles (Oct 1, 2026); most in AI product & strategy](https://www.bankingnewsai.com/banks/old-national#roles) |
| [United Bankshares](https://www.bankingnewsai.com/banks/united-bankshares) | Not disclosed | [6, incl. Richard M. Adams Jr. (Chief Executive Officer)](https://www.bankingnewsai.com/banks/united-bankshares#people) ([United Bankshares](https://bankwithunited.com/news/financial-news/united-bankshares-inc-announces-record-earnings-for-the-second-quarter-of-2026.html), [United Bank](https://bankwithunited.com/news/corporate-financial/united-bank-celebrates-187-years-of-service.html)) | AI passages in the 10-K, 2024 report vs 2025 report: 1 vs 4 (Feb 27, 2026) ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312525042589/d915367d10k.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm)) | 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](https://www.bankingnewsai.com/banks/united-bankshares) | Florida expansion announced ([Business Wire](https://www.businesswire.com/news/home/20261008370877/en/United-Bankshares-Inc.-Announces-Florida-Expansion)) |
| Oct 1, 2026 | [First Merchants](https://www.bankingnewsai.com/banks/first-merchants) | CEO succession: Stewart to replace Hardwick on 1 January 2027 ([First Merchants Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/712534/000071253426000067/frme-20261001.htm), [First Merchants Bank](https://firstmerchants.com/why-us/news/2026/10/01/first-merchants-bank-ceo-mark-hardwick-to-retire-at-the-end-of-2026-and-president-mike-stewart-to-become-president-and-ceo)) |
| Sep 23, 2026 | [United Bank](https://www.bankingnewsai.com/banks/united-bankshares) | Charleston operations centre opens ([United Bank](https://bankwithunited.com/news/corporate-financial/united-bank-opens-new-operations-center-in-charleston.html)) |
| Sep 14, 2026 | [First Financial Bank](https://www.bankingnewsai.com/banks/first-financial-ohio) | Succession reshuffle: Anderson president, former CIO Myers COO ([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)) |
| Aug 27, 2026 | [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | Q3 2026 investor presentation repeats the AI initiatives ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm)) |
| Aug 11, 2026 | [First Merchants](https://www.bankingnewsai.com/banks/first-merchants) | Customer warning on bank-impersonation scams ([First Merchants Bank](https://firstmerchants.com/why-us/news/news-detail/2026/08/11/it-could-happen-to-you--bank-impersonation-scams)) |
| Aug 10, 2026 | [First Commonwealth](https://www.bankingnewsai.com/banks/first-commonwealth) | Q2 2026 10-Q: no AI language ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000022/fcf-20260331.htm), [First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000030/fcf-20260630.htm)) |
| Aug 7, 2026 | [Park National](https://www.bankingnewsai.com/banks/park-national) | Q2 10-Q: data processing costs up, Tennessee legacy core still running ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000061/prk-20260630.htm)) |
| Aug 6, 2026 | [Busey Bank](https://www.bankingnewsai.com/banks/busey) | Q2 2026 10-Q: AI named in forward-looking risks; headcount and data processing ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000055/buse-20260630.htm)) |
| Aug 6, 2026 | [First Financial Bank](https://www.bankingnewsai.com/banks/first-financial-ohio) | Q2 2026 10-Q: no AI language ([First Financial Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/708955/000070895526000144/ffbc-20260630.htm), [Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-financial-bancorp-posts-q2-2026-profit-beat-93CH-4806062)) |
| Jul 30, 2026 | [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | Q2 2026 10-Q has no AI language ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526326145/wsbc-20260630.htm)) |
| Jul 29, 2026 | [Old National](https://www.bankingnewsai.com/banks/old-national) | Q2 2026 10-Q has no AI language ([Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000046/onb-20260630.htm), [Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000038/onb-20260331.htm), [Old National Bancorp](https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure)) |
| Jul 29, 2026 | [First Commonwealth](https://www.bankingnewsai.com/banks/first-commonwealth) | Q2 2026 call: call-centre AI example ([Investing.com](https://investing.com/news/transcripts/earnings-call-transcript-first-commonwealth-beats-q2-2026-estimates-shares-rise-93CH-4821505), [Moby via Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/first-commonwealth-financial-corporation-q2-123000772.html)) |
| Jul 28, 2026 | [Busey Bank](https://www.bankingnewsai.com/banks/busey) | Q2 2026 investor presentation: AI in the CFO's portfolio ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000049/buse_20260728x26q2xex992.htm)) |
| Jul 27, 2026 | [Park National](https://www.bankingnewsai.com/banks/park-national) | Q2 2026 results; conversion on track for third quarter ([Park National Corporation (GlobeNewswire)](https://globenewswire.com/news-release/2026/07/27/3333881/0/en/park-national-corporation-reports-financial-results-for-second-quarter-and-first-half-of-2026.html)) |
| Jul 22, 2026 | [Old National](https://www.bankingnewsai.com/banks/old-national) | Q2 2026 call: AI for scalability ([Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/old-national-bancorp-q2-earnings-150646360.html)) |

## 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) ([Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm), [Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm)) |
| 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' ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html), [Abrigo](https://www.abrigo.com/success-stories/how-old-national-bank-increased-loan-review-efficiency-and-capacity-with-ai-powered-workflow-intelligence/), [Old National Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/707179/000070717926000010/onb-20251231.htm)) |
| 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 ([The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883), [Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |
| 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 ([Louisville Business First](https://www.bizjournals.com/louisville/news/2026/06/05/executive-insights-experts-crypto-ai-business-bank.html), [First Merchants Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/712534/000071253426000022/frme-20251231.htm)) |
| 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 ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526204123/wsbc-ex99_1.htm), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm)) |
| First Financial Bancorp | None disclosed; 'We are building our AI strategy' (CISO, 2025) | Not named | Stand-alone AI risk factor with about 25 references ([First Financial Bank](https://www.bankatfirst.com/business/resources/commercial/fighting-fraud-in-the-age-of-ai.html), [First Financial Bancorp (SEC filings)](https://www.sec.gov/Archives/edgar/data/708955/000070895526000028/ffbc-20251231.htm)) |
| 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 ([SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526135771/d931836ddef14a.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312526081470/d90970d10k.htm), [SEC EDGAR](https://www.sec.gov/Archives/edgar/data/729986/000119312525042589/d915367d10k.htm)) |

## 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 ([Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm), [Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567625000020/a2024annualreport_final-.htm)) |
| Busey | Glia voice AI in the contact center | 61.5% of calls handled by virtual assistants; wrap-up time down 50% | February 2026 ([The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883)) |
| WesBanco | Digital banking | About 80% of retail customers on digital channels; 7.7 million logins a month | 2026 year to date ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm)) |
| Fifth Third | Jeanie AI banking assistant | Best Chatbot, Tearsheet AI Innovation Awards 2026 | 2026 ([Fifth Third](https://www.53.com/content/fifth-third/en/media-center/press-releases/2026/press-release-2026-08-12.html)) |
| KeyBank | AI-handled customer calls | About $0.25 per AI-handled call against $9 for a human-handled one | Q4 2025 call ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/), [GuruFocus (Yahoo Finance)](https://finance.yahoo.com/news/keycorp-key-q4-2025-earnings-190057656.html)) |

## 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 ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000061/prk-20260630.htm)) |
| 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 ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm)) |
| Busey | Data processing expense | $43.2 million in 2025 (2024: $27.1 million) | The year CrossFirst Bankshares was merged in ([First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm)) |
| United Bankshares | Data processing expense | $14.1 million in the first half of 2026 (first half 2025: $16.4 million) | Technology contract renegotiations ([United Bankshares investor relations](https://ubsi-inc.com/news/news-details/2026/United-Bankshares-Inc--Announces-Record-Earnings-for-the-Second-Quarter-of-2026/)) |

## 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.

## Common questions

### 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. ([Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm), [Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm), [Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000039/prk-20260331.htm), [Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000061/prk-20260630.htm))

### 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. ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html), [Abrigo](https://www.abrigo.com/success-stories/how-old-national-bank-increased-loan-review-efficiency-and-capacity-with-ai-powered-workflow-intelligence/), [Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm))

### 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. ([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))

### 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. ([Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights), [The Financial Brand](https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm), [Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm))

### 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. ([Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000061/prk-20260630.htm), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526085463/wsbc-20251231.htm), [First Busey Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/314489/000031448926000013/buse-20251231.htm))

### 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. ([Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm), [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/2025/07/29/3123162/4491/en/Park-National-Corporation-names-Matthew-R-Miller-Chief-Executive-Officer-David-L-Trautman-to-continue-as-Board-Chair.html), [Busey Bank](https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html))

### 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. ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526204123/wsbc-ex99_1.htm), [WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm), [Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm))

### 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. ([Louisville Business First](https://www.bizjournals.com/louisville/news/2026/06/05/executive-insights-experts-crypto-ai-business-bank.html), [First Merchants Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/712534/000071253426000022/frme-20251231.htm), [Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm), [Park National Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000017/prk-20251231.htm))

### 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. ([Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm), [Park National Corporation (SEC filing, ARS)](https://www.sec.gov/Archives/edgar/data/805676/000080567625000020/a2024annualreport_final-.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 2025 Annual Report to Shareholders (Form ARS) — Park National Corporation (SEC filing, ARS), Mar 9, 2026. https://www.sec.gov/Archives/edgar/data/805676/000080567626000023/a2025annualreport_finalx.htm
2. 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
3. Park National Corporation Form 10-Q for the quarterly period ended March 31, 2026 — Park National Corporation (SEC filing), May 11, 2026. https://www.sec.gov/Archives/edgar/data/805676/000080567626000039/prk-20260331.htm
4. 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
5. Bernini Joins Busey as Director of AI — Busey Bank, Apr 6, 2026. https://www.busey.com/about-us/news-and-announcements/busey-announces-director-of-ai-data-science-and-insights
6. Building Relationships When Checking No Longer Confers Primacy — The Financial Brand, Feb 24, 2026. https://thefinancialbrand.com/news/checking-accounts/build-relationships-checking-no-longer-promises-primacy-195883
7. Old National (ONB) Q1 2026 Earnings Transcript — The Motley Fool (Yahoo Finance), Apr 22, 2026. https://finance.yahoo.com/markets/stocks/articles/old-national-onb-q1-2026-172452001.html
8. Old National Bank increased loan review efficiency and capacity with Abrigo — Abrigo, Jul 7, 2026. https://www.abrigo.com/success-stories/how-old-national-bank-increased-loan-review-efficiency-and-capacity-with-ai-powered-workflow-intelligence/
9. Executive Insights: Experts weigh in on state of crypto, AI and what the business community needs most from banks right now — Louisville Business First, Jun 5, 2026. https://www.bizjournals.com/louisville/news/2026/06/05/executive-insights-experts-crypto-ai-business-bank.html
10. 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
11. Fighting fraud in the age of AI: A First Financial Bank seminar — First Financial Bank, Aug 8, 2025. https://www.bankatfirst.com/business/resources/commercial/fighting-fraud-in-the-age-of-ai.html
12. First Financial Bancorp. Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — First Financial Bancorp (SEC filings), Feb 19, 2026. https://www.sec.gov/Archives/edgar/data/708955/000070895526000028/ffbc-20251231.htm
13. United Bankshares 2026 proxy statement (DEF 14A) — SEC EDGAR, Apr 1, 2026. https://www.sec.gov/Archives/edgar/data/729986/000119312526135771/d931836ddef14a.htm
14. 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
15. Park National Corporation 2024 Annual Report to Shareholders (Form ARS) — Park National Corporation (SEC filing, ARS), Mar 10, 2025. https://www.sec.gov/Archives/edgar/data/805676/000080567625000020/a2024annualreport_final-.htm
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21. Park National Corporation reports financial results for second quarter and first half of 2026 — Park National Corporation (GlobeNewswire), Jul 27, 2026. https://globenewswire.com/news-release/2026/07/27/3333881/0/en/park-national-corporation-reports-financial-results-for-second-quarter-and-first-half-of-2026.html
22. Old National Receives 2026 Trust in Banking Award — Old National Bancorp, Jan 22, 2026. https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Receives-2026-Trust-in-Banking-Award
23. Old National Bank, Axletree Solutions Partnership Finalizes Critical Swift Architecture, Achieves ISO 20022 Compliance for 2026 — GlobeNewswire via FT Markets, Feb 10, 2026. https://markets.ft.com/data/announce/full?dockey=1330-9651962en-471PA5GUQ40497E71D0E3EU3B5
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25. What not to share when using AI for personal finance help — Old National Bank, May 26, 2026. https://www.oldnational.com/resources/insights/what-not-to-share-when-using-ai-for-personal-finance-help/
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29. Busey Bank: 30,000 New Customers, Zero Hiring — Glia (case study), Sep 24, 2026. https://www.glia.com/case-study/busey-bank
30. Park National Corporation names Matthew R. Miller Chief Executive Officer; David L. Trautman to continue as Board Chair — Park National Corporation (GlobeNewswire), Jul 29, 2025. https://globenewswire.com/news-release/2025/07/29/3123162/4491/en/Park-National-Corporation-names-Matthew-R-Miller-Chief-Executive-Officer-David-L-Trautman-to-continue-as-Board-Chair.html
31. Cincinnati's First Financial strikes third deal in 13 months — American Banker, Jul 22, 2026. https://www.americanbanker.com/news/cincinnatis-first-financial-strikes-third-deal-in-13-months
32. First Financial Bancorp Announces Second Quarter 2026 Financial Results, Quarterly Dividend Increase & Acquisition of Finward Bancorp — First Financial Bancorp (PR Newswire via Yahoo Finance), Jul 21, 2026. https://finance.yahoo.com/markets/stocks/articles/first-financial-bancorp-announces-second-203000197.html
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34. First Financial Bancorp. Annual Report on Form 10-K for the fiscal year ended December 31, 2024 — First Financial Bancorp (SEC filings), Feb 20, 2025. https://www.sec.gov/Archives/edgar/data/708955/000070895525000012/ffbc-20241231.htm
35. WesBanco, Inc. 2025 Annual Report — WesBanco, Mar 2, 2026. https://wesbanco.com/wp-content/uploads/2026/03/2025-Annual-Report-ADA-Compliant.pdf
36. WesBanco Announces Second Quarter 2026 Financial Results — WesBanco (PR Newswire), Jul 21, 2026. https://www.prnewswire.com/news-releases/wesbanco-announces-second-quarter-2026-financial-results-302831242.html
37. First Merchants Corporation Announces Second Quarter 2026 Results — First Merchants Corporation (GlobeNewswire via Yahoo Finance), Jul 22, 2026. https://finance.yahoo.com/markets/stocks/articles/first-merchants-corporation-announces-second-200500052.html
38. First Merchants Bank Recognized on Forbes' World's Best Banks 2026 — First Merchants Bank, Jun 4, 2026. https://firstmerchants.com/why-us/news/2026/06/04/first-merchants-bank-recognized-on-forbes--world-s-best-banks-2026
39. First Merchants Corporation Form 8-K: CEO retirement and succession — First Merchants Corporation (SEC filings), Oct 1, 2026. https://www.sec.gov/Archives/edgar/data/712534/000071253426000067/frme-20261001.htm
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42. First Busey Corporation Announces 2026 Second Quarter Earnings — First Busey Corporation (GlobeNewswire), Jul 28, 2026. https://globenewswire.com/news-release/2026/07/28/3334801/10701/en/First-Busey-Corporation-Announces-2026-Second-Quarter-Earnings.html
43. Busey, Dukeman Agree to Contract Extension — First Busey Corporation (GlobeNewswire), Jul 14, 2026. https://ir.busey.com/news-releases/news-release-details/busey-dukeman-agree-contract-extension/
44. Old National Bancorp Reports Record Second Quarter 2026 Results; Announces Enhanced Executive Leadership Structure — Old National Bancorp, Jul 22, 2026. https://ir.oldnational.com/news/press-releases/press-release-details/2026/Old-National-Bancorp-Reports-Record-Second-Quarter-2026-Results-Announces-Enhanced-Executive-Leadership-Structure
45. Acquisitive Old National eyes growth in Midwest, Southeast — American Banker, Jan 21, 2025. https://americanbanker.com/news/acquisitive-old-national-eyes-growth-in-midwest-southeast
46. Google Patents assignee search: Old National Bancorp (0 results) — Google Patents (USPTO), Oct 14, 2026. https://patents.google.com/?assignee=%22Old+National+Bancorp%22
47. Google Patents assignee search: Old National Bank (only third-party patents that mention the bank) — Google Patents (USPTO), Oct 14, 2026. https://patents.google.com/?assignee=%22Old+National+Bank%22
48. United Bankshares, Inc. Announces Record Earnings for the Second Quarter of 2026 — United Bankshares, Jul 23, 2026. https://bankwithunited.com/news/financial-news/united-bankshares-inc-announces-record-earnings-for-the-second-quarter-of-2026.html
49. United Bank Celebrates 187 Years of Service — United Bank, Mar 17, 2026. https://bankwithunited.com/news/corporate-financial/united-bank-celebrates-187-years-of-service.html
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52. United Bankshares, Inc. Announces Florida Expansion — Business Wire, Oct 8, 2026. https://www.businesswire.com/news/home/20261008370877/en/United-Bankshares-Inc.-Announces-Florida-Expansion
53. First Merchants Bank CEO Mark Hardwick to Retire at the End of 2026 and President Mike Stewart to Become President and CEO — First Merchants Bank, Oct 1, 2026. https://firstmerchants.com/why-us/news/2026/10/01/first-merchants-bank-ceo-mark-hardwick-to-retire-at-the-end-of-2026-and-president-mike-stewart-to-become-president-and-ceo
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69. 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
70. 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/
71. KeyCorp (KEY) Q4 2025 Earnings Call Highlights: Strong Revenue Growth and Strategic Investments — GuruFocus (Yahoo Finance), Jan 20, 2026. https://finance.yahoo.com/news/keycorp-key-q4-2025-earnings-190057656.html
72. United Bankshares, Inc. Announces Record Earnings for the Second Quarter of 2026 (full release) — United Bankshares investor relations, Jul 23, 2026. https://ubsi-inc.com/news/news-details/2026/United-Bankshares-Inc--Announces-Record-Earnings-for-the-Second-Quarter-of-2026/

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