Park National Corp /Oh

Park's board of directors declared a quarterly cash dividend of $1.07 per common share and a special one-time dividend of $1.25 per common share, both payable on December 10, 2025, to common shareholders of record as of November 21, 2025.

SEC original ↗Park National Corp /Oh — Earnings release (8-K exhibit)EX-99Oct 27, 2025

Among other things, this ASU eliminated the concept of troubled debt restructurings ( TDRs ).

SEC original ↗Park National Corp /Oh — Earnings release (8-K exhibit)EX-99Oct 27, 2025

As we enter the final quarter of 2025, we remain focused on deepening relationships with our customers and communities and on delivering consistent, long-term results for our stakeholders.

SEC original ↗Park National Corp /Oh — Earnings release (8-K exhibit)EX-99Oct 27, 2025

With a disciplined approach to expense management, a focus on relationship-driven banking and an unwavering commitment to execution, we deliver measurable value for our customers, communities and shareholders.

SEC original ↗Park National Corp /Oh — Earnings release (8-K exhibit)EX-99Oct 27, 2025

htm EX-99.3 exhibit993investorpresen Park National Corporation | 1 October 27, 2025 Strategic Partnership with First Citizens Bancshares, Inc.

SEC original ↗Park National Corp /Oh — Presentation / slide deck (8-K exhibit)EX-99Oct 27, 2025

Examples of forward-looking statements include, but are not limited to, statements regarding the outlook and expectations of Park and First Citizens, respectively, with respect to the proposed transaction, the strategic benefits and financial benefits of the proposed transaction, including the expected impact of the proposed transaction on the combined company s future financial performance (including anticipated accretion to earnings per share and other operating and return metrics), the timing of the closing of the proposed transaction, and the ability to successfully integrate the combined businesses.

SEC original ↗Park National Corp /Oh — Presentation / slide deck (8-K exhibit)EX-99Oct 27, 2025

Community bank defined as less than $25bn in total assets; Excludes mutual holding companies 2) Excludes off-balance sheet deposits for each period: 2022 ($195.9mm), 2023 ($1.2mm), 2024 ($115.2mm), YTD 2025 ($150.8mm) Note: YTD 2025 represents financial data as of September 30, 2025; Deposit market share data as of June 30, 2025 per FDIC Source: S&P Capital IQ Pro Park National Corporation | Company Overview and Expansion Strategy 2022 2023 2024 YTD 2025 Balance Sheet Total Assets $9,855 $9,836 $9,805 $9,862 Gross Loans (Inc.

SEC original ↗Park National Corp /Oh — Presentation / slide deck (8-K exhibit)EX-99Oct 27, 2025

The forward-looking statements are based on management s expectations and are subject to a number of risks and uncertainties, including those described in Park's Annual Report on Form 10-K for the fiscal year ended December 31, 2024, as updated by our filings with the SEC.

SEC original ↗Park National Corp /Oh — Earnings release (8-K exhibit)EX-99Oct 27, 2025

The forward-looking statements are based on management s expectations and are subject to a number of risks and uncertainties, including those described in Park s Annual Report on Form 10-K for the fiscal year ended December 31, 2024, quarterly reports on Form 10-Q, and other documents subsequently filed by Park with the Securities and Exchange Commission (the SEC ).

SEC original ↗Park National Corp /Oh — Presentation / slide deck (8-K exhibit)EX-99Oct 27, 2025

Park and First Citizens urge you to consider all of these risks, uncertainties and other factors carefully in evaluating all such forward-looking statements made by Park and First Citizens.

SEC original ↗Park National Corp /Oh — Presentation / slide deck (8-K exhibit)EX-99Oct 27, 2025