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FNB on NYSE

FNB Corporation

Logo: fnb-online.com5

Diversified financial services corporation

FNB Corporation is a diversified financial services corporation based in Pittsburgh, Pennsylvania, and the holding company for its largest subsidiary, First National Bank. As of June 30, 2026, FNB has total assets of $51 billion. FNB's market coverage spans several major metropolitan areas, including Pittsburgh, Pennsylvania; Baltimore, Maryland; Cleveland, Ohio; Washington, D.C.; Charlotte, Raleigh, Durham and the Piedmont Triad (Winston-Salem, Greensboro and High Point) in North Carolina; and Charleston, South Carolina, with more than 350 offices.3 Wikipedia text CC BY-SA 4.0

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Last updated Oct 21, 2026.

Overview

Feb 4, 1864Founded1

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  • TickerFNB on NYSE1
  • Industryeconomics of banking, financial sector, financial services1
  • HeadquartersPittsburgh1
  • Websitewww.fnb-online.com
  • Legal formnational bank1
  • Incorporated inPA6
  • Business addressF.N.B. Corporation, 626 Washington Place, Pittsburgh, Pa 152196
  • Filer categoryLarge accelerated filer6
  • LEI254900OD9TDRYGWJ0N484
  • StatusActive4
  • LEI statusIssued and current4
  • Registered address307 Hustan Avenue, 57532 Fort Pierre, United States4
  • Registered withFederal Deposit Insurance Corporation, 147124

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FNB Financial Center, Pittsburgh, 2025-03-23
Photo: Cbaile19, CC0, via Wikimedia Commons9

FNB Corporation is a diversified financial services corporation based in Pittsburgh, Pennsylvania, and the holding company for its largest subsidiary, First National Bank. As of June 30, 2026, FNB has total assets of $51 billion. FNB's market coverage spans several major metropolitan areas, including Pittsburgh, Pennsylvania; Baltimore, Maryland; Cleveland, Ohio; Washington, D.C.; Charlotte, Raleigh, Durham and the Piedmont Triad (Winston-Salem, Greensboro and High Point) in North Carolina; and Charleston, South Carolina, with more than 350 offices. The company has total employment of approximately 4,800.3

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Financial statements

Net income1011121314$565.0M in 2025+46% since 2019
0$200.0M$400.0M$600.0M2019: $387.0M$387.0M20192020: $286.0M$286.0M2020−26%2021: $405.0M$405.0M2021+42%2022: $439.0M$439.0M2022+8%2023: $485.0M$485.0M2023+10%2024: $465.0M$465.0M2024−4%2025: $565.0M$565.0M2025+22%

Every line of the income statement as filed: the last 3 fiscal years, latest first.14

Period ending2025-12-312024-12-312023-12-31
Loans and leases, including fees$2.0B$2.0B$1.8B
Taxable$232.0M$196.0M$150.0M
Tax-exempt$28.0M$28.0M$28.0M
Other$70.0M$43.0M$41.0M
Total Interest Income$2.3B$2.3B$2.0B
Deposits$737.0M$754.0M$495.0M
Short-term borrowings$68.0M$99.0M$78.0M
Long-term borrowings$125.0M$119.0M$83.0M
Total Interest Expense$930.0M$972.0M$656.0M
Net interest income (loss)$1.4B$1.3B$1.3B
Provision for credit losses$86.0M$79.8M$72.0M
Net Interest Income After Provision for Credit Losses$1.3B$1.2B$1.2B
Service charges$92.0M$91.0M$82.0M
Interchange and card transaction fees$52.0M$52.0M$52.0M
Trust services$48.0M$46.0M$43.0M
Insurance commissions and fees$20.0M$22.0M$23.0M
Securities commissions and fees$36.0M$31.0M$28.0M
Capital markets income$27.0M$24.0M$27.0M
Mortgage banking operations$28.0M$27.0M$21.0M
Dividends on non-marketable equity securities$24.0M$25.0M$21.0M
Bank owned life insurance$18.0M$17.0M$12.0M
Net securities gains (losses)$0-$34.0M-$67.0M
Other$24.0M$15.0M$12.0M
Total Non-Interest Income$369.0M$316.0M$254.0M
Salaries and employee benefits$530.0M$504.0M$462.0M
Net occupancy$78.0M$79.0M$70.0M
Equipment$108.0M$98.0M$91.0M
Outside services$108.0M$96.0M$84.0M
Marketing$20.0M$21.0M$17.0M
FDIC insurance$28.0M$41.0M$61.0M
Bank shares tax$13.0M$14.0M$14.0M
Other$125.0M$108.0M$116.0M
Total Non-Interest Expense$1.0B$961.0M$915.0M
Income Before Income Taxes$669.0M$555.0M$584.0M
Income taxes$104.0M$90.0M$99.0M
Net Income$565.0M$465.0M$485.0M
Preferred stock dividends$0$6.0M$8.0M
Net Income Available to Common Shareholders$565.0M$459.0M$477.0M
Net Income Available to Common Shareholders$565.0M$459.0M$477.0M
Basic (USD per share)$1.57$1.27$1.32
Diluted (USD per share)$1.56$1.27$1.31

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Corporate structure

FNB Corporation sits at the top of its group. 4 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of FNB Corporation

  • FNB Corporation Pierre, South Dakota, United States
    • 1) First National Bank of Subsidiary · Pennsylvania, United States
    • 2) First National Insurance Agency, LLC Subsidiary · Delaware, United States
    • First National Trust Company (which includes First National Investment Services Company, LLC) is a subsidiary of First National Bank of Subsidiary · Pennsylvania, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What FNB Corporation reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Land$71.0M14 Dec 31, 2025$66.0M14 Dec 31, 2024+7.6%
Buildings and improvements$363.0M14 Dec 31, 2025$343.0M14 Dec 31, 2024+5.8%
Machinery and equipment$582.0M14 Dec 31, 2025$510.0M14 Dec 31, 2024+14.1%
Finance-lease assets$32.4M14 Dec 31, 2025$39.0M13 Dec 31, 2024−16.9%
Operating-lease assets (leased space)$195.2M14 Dec 31, 2025$195.6M13 Dec 31, 2024−0.2%

Real estate and locations

ItemLatestA year beforeChange
Stores35514 Dec 31, 202534913 Dec 31, 2024+1.7%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$2.5B14 Dec 31, 2025$2.4B14 Dec 31, 2024+3.3%
Loans, net of allowance$34.3B14 Dec 31, 2025$33.5B14 Dec 31, 2024+2.5%
Deposits held (banks)$38.8B14 Dec 31, 2025$37.1B14 Dec 31, 2024+4.5%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$2.5B14 Dec 31, 2025$2.5B14 Dec 31, 2024+0.1%
Intangible assets, net (excluding goodwill)$36.0M14 Dec 31, 2025$51.0M14 Dec 31, 2024−29.4%
Finite-lived intangibles, gross$277.0M14 Dec 31, 2025$276.0M14 Dec 31, 2024+0.4%
Accumulated amortization$241.0M14 Dec 31, 2025$225.0M14 Dec 31, 2024+7.1%
Finite-lived intangibles, net$33.0M14 Dec 31, 2025$46.0M13 Dec 31, 2024−28.3%

Properties, in its own words

Our principal offices and the FNBPA’s headquarters are located at 626 Washington Place, Pittsburgh, Pennsylvania, which we own with a noncontrolling interest as a limited partner. As of December 31, 2025, we operated approximately 355 bank branch offices located throughout Pennsylvania, Ohio, South Carolina, North Carolina, Virginia, West Virginia, Maryland and Washington DC. We do not own or lease any single physical property that we consider to be materially important to our financial condition or results from operations. Our retail branches, ATMs, ITMs, eStore, loan and mortgage production offices and administrative offices remain important to our ability to deliver financial services to a large portion of our clients. For many years, we have consolidated, relocated or opened branch locations in response to changing utilization patterns, community needs and regulatory considerations. We expect that long-term trend to continue. We consider our properties to be suitable and adequate for operating our banking business. Notes 8 and 10 to our Consolidated Financial Statements include additional information regarding investments in premises and equipment and leased properties.

Following is a table that shows the branches/retail offices, by state, and the branches/retail offices owned and leased for the Community Banking segment:

The rest of Item 2

December 31, 2025 · Community Banking

Pennsylvania · 185

Ohio · 28

Maryland · 30

West Virginia · 2

North Carolina · 95

South Carolina · 7

Washington, D.C. · 1

Virginia · 7

Total number of branches/retail offices · 355

Total branches/retail offices owned · 186

Total branches/retail offices leased · 169

Item 2 of the 10-K filed Feb 24, 2026.18

The story

First National Bank was founded in Mercer County, Pennsylvania, in 1864 under the name The First National Bank of West Greenville and operated out of the house of then bank president, Samuel P. Johnston, in Greenville, Pennsylvania. The bank dropped "West" from its name in the 1880s after the town did the same.

The bank remained a fixture in Mercer County through World War I, the Great Depression and World War II. In 1946, bank assets totaled approximately $2 million and the bank was still housed in one office.

Across the next three decades, the bank continued to grow, and in 1974, FNB Corporation was established as a financial services holding company for a growing family of business entities which included the bank, under the name The First National Bank of Mercer County and with an asset size of $120 million, and Regency Finance Company.

Along with completing the acquisition of ten branch offices from First National Bank of Pennsylvania in July 1992, First National Bank of Mercer County acquired the name and formally changed its name to the current First National Bank of Pennsylvania. Around this time, the First National Bank of Western Pennsylvania in nearby New Castle changed its name to First Western Bank to avoid confusion; that bank is now part of Huntington Bancshares after several other mergers.

As of 2003, the company had grown to assets of $4.6 billion with more than 125 banking offices and began trading common shares on the New York Stock Exchange under the ticker symbol FNB. Today, it is included in Standard & Poor's MidCap 400 Index with the Global Industry Classification Standard (GICS) Regional Banks Sub-Industry Index.

Current chief executive officer Vincent J. Delie, Jr., joined the bank in 2005 as president of the Pittsburgh Region. Since then, the company has shown tremendous growth, both organically and through a series of major mergers. As of 2017, FNB is the second-largest bank based in Pennsylvania, measured by assets.

FNB announced its Clicks-to-Bricks strategy in 2016. In 2021, FNB launched its eStore digital banking platform. In 2024, the platform expanded with the Common app which is used for applying for multiple products and/or services at once.

From Wikipedia’s article on FNB Corporation, shared under CC BY-SA 4.0.7

Leadership

Who has led FNB Corporation, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Gary L. Tice2003
  2. Stephen J. Gurgovits2004–2011
  3. Gary Roberts2005–2008
  4. Robert New V. Jr.2008–2009
  5. Vincent J. Delie Jr.2012–now

Chair

  1. Peter Mortensen2004–2008
  2. Stephen J. Gurgovits2008–2018
  3. Vincent J. Delie Jr.2018–now

President

  1. Gary L. Tice2003
  2. Stephen J. Gurgovits2004–2011
  3. Gary Roberts2005–2008
  4. Robert New V. Jr.2008–2009
  5. Vincent J. Delie Jr.2011–now

Chief financial officer

  1. Thomas E. Fahey2003
  2. Brian F. Lilly2004–2009
  3. Vincent J. Calabrese2009–now

Chief operating officer

  1. Brian F. Lilly2010–2012
197019801990200020102020
Board members and other officers (56)

Products and brands

In July 2014, FNB announced that Pittsburgh had officially been named the corporation's headquarters. FNB's growth in Pittsburgh has expanded from a single banking office in 1997 to nearly 100 locations and a top three retail deposit market share today. In May 2017, FNB announced its regional headquarters would locate in a 22-story building in Raleigh to be called FNB Tower. Groundbreaking took place in December 2017, and the building opened in December 2019.

In March 2018, FNB announced it would anchor a 31-story tower in Charlotte to serve as its regional headquarters named FNB Tower Charlotte. The building was completed and opened in July 2021. In December 2019, FNB announced it would move its current corporate headquarters operation in the Pittsburgh North Shore to a new 26-story building in downtown Pittsburgh's Hill District. FNB, the Pittsburgh Penguins, Clay Cove Capital and The Buccini/Pollin Group broke ground on the project on September 1, 2021. FNB moved into FNB Financial Center in November 2024 and celebrated the grand opening in February 2025.

From Wikipedia’s article on FNB Corporation, shared under CC BY-SA 4.0.7

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • 1) First National Bank of Pennsylvania United States8
  • 2) First National Insurance Agency, LLC Delaware8
  • First National Trust Company (which includes First National Investment Services Company, LLC) is a subsidiary of First National Bank of Pennsylvania.8

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Acquisitions

FNB has acquired many other companies during its long life. Some recent examples are listed below: In 2012, FNB acquired Parkvale Savings Bank, which was based in Monroeville. In 2015, FNB acquired Metro Bank (formerly Commerce Bank) of Harrisburg. In 2016, FNB agreed to a $1.4 billion deal with Yadkin Financial of Raleigh, North Carolina, the largest deal in the company's history, giving FNB 98 branches in North Carolina. The merger was completed on March 11, 2017. In 2021, it acquired Howard Bancorp (Howard Bank) of Maryland, and the acquisition was completed on January 22, 2022.

In June 2022, FNB announced the purchase of UB Bancorp of Greenville, North Carolina, with $1.2 billion in assets and 15 Union Bank branches, for stock valued at $117 million. The deal was completed December 12.

From Wikipedia’s article on FNB Corporation, shared under CC BY-SA 4.0.7

Former names

  • FNB CORP/FL/Jul 17, 2001 to Sep 9, 20166
  • FNB CORP/PAOct 11, 1995 to Mar 6, 20016

Timeline

  1. Jul 17, 20268-K Results of operations84
  2. May 19, 20268-K Executive or director change85
  3. May 8, 20268-K Executive or director change; Shareholder vote86
  4. Apr 17, 20268-K Results of operations87
  5. Apr 14, 20268-K Other events88
  6. Jan 21, 20268-K Results of operations89
  7. Nov 5, 20258-K Regulation FD disclosure90
  8. Oct 17, 20258-K Results of operations91
  9. Aug 26, 20258-K Executive or director change; Regulation FD disclosure92
  10. Jul 18, 20258-K Results of operations93
  11. May 12, 20258-K Shareholder vote94
  12. Apr 17, 20258-K Results of operations95
  13. Jan 18, 2012New chief executive Vincent J. Delie Jr. becomes CEO19
  14. Jan 16, 2008New chief executive Robert New V. Jr. becomes CEO20
  15. Mar 21, 2005New chief executive Gary Roberts becomes CEO21
  16. Jan 20, 2004New chief executive Stephen J. Gurgovits becomes CEO22
  17. Jul 23, 2003New chief executive Gary L. Tice becomes CEO23
  18. Feb 4, 1864Founded Founded1

Calendar

When it reported results

  1. Jul 17, 2026Reported quarterly or annual results84
  2. Apr 17, 2026Reported quarterly or annual results87
  3. Jan 21, 2026Reported quarterly or annual results89
  4. Oct 17, 2025Reported quarterly or annual results91
  5. Jul 18, 2025Reported quarterly or annual results93
  6. Apr 17, 2025Reported quarterly or annual results95
  7. Jan 22, 2025Reported quarterly or annual results96
  8. Oct 18, 2024Reported quarterly or annual results97

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

507 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 47 major events, 314 insider forms, 25 large holders, 101 other. The latest 20:

  1. Sep 30, 2026424B2 EDGAR
  2. Sep 2, 2026424B2 EDGAR
  3. Aug 14, 2026SCHEDULE 13G/A EDGAR
  4. Aug 7, 20264 EDGAR
  5. Aug 6, 2026144 EDGAR
  6. Aug 5, 202610-Q EDGAR
  7. Jul 27, 2026SCHEDULE 13G EDGAR
  8. Jul 17, 20268-K EDGAR
  9. Jun 18, 202611-K EDGAR
  10. Jun 12, 2026144 EDGAR
  11. Jun 12, 20264 EDGAR
  12. May 19, 20268-K EDGAR
  13. May 8, 20264 EDGAR
  14. May 8, 20264 EDGAR
  15. May 8, 20264 EDGAR
  16. May 8, 20264 EDGAR
  17. May 8, 20264 EDGAR
  18. May 8, 20264 EDGAR
  19. May 8, 20264 EDGAR
  20. May 8, 20264 EDGAR

The 507 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

24 open-market trades by officers, directors and large owners since October 2021: 15 buys and 9 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 6, 2026David Bryant MitchellChief Wholesale Banking OfficeSale4,055$19.25$78.0KForm 4
Jun 12, 2026GUERRIERI GARY LChief Credit OfficerSale19,000$18.53$352.1KForm 4
Dec 10, 2025GUERRIERI GARY LChief Credit OfficerSale15,000$17.67$265.1KForm 4
Dec 2, 2025Dutey James LCorporate ControllerSale40,000$16.75$670.1KForm 4
Feb 19, 2025MOTLEY DAVID LDirectorSale15,000$15.51$232.6KForm 4
Feb 5, 2025CAMPBELL WILLIAM BDirectorBuy3,000$15.57$46.7KForm 4
Dec 6, 2024DELIE VINCENT J JRChairman, President, & CEOSale125,000$16.50$2.1MForm 4
Apr 23, 2024CAMPBELL WILLIAM BDirectorBuy2,500$13.48$33.7KForm 4
Feb 28, 2024CAMPBELL WILLIAM BDirectorBuy1,500$13.52$20.3KForm 4
Feb 26, 2024CAMPBELL WILLIAM BDirectorBuy2,500$13.41$33.5KForm 4
Feb 24, 2023Bena Pamela ADirectorBuy350$14.07$4.9KForm 4
Feb 15, 2023GUERRIERI GARY LChief Credit OfficerSale5,000$14.61$73.1KForm 4
Jan 26, 2023CAMPBELL WILLIAM BDirectorBuy1,900$13.49$25.6KForm 4
Nov 9, 2022Bena Pamela ADirectorBuy500$13.98$7.0KForm 4
Oct 21, 2022MALONE DAVID JDirectorSale29,600$13.55$401.1KForm 4
Sep 6, 2022CAMPBELL WILLIAM BDirectorBuy850$11.38$9.7KForm 4
Aug 30, 2022CAMPBELL WILLIAM BDirectorBuy4,000$11.95$47.8KForm 4
Aug 19, 2022ORIE JAMESChief Legal OfficerSale51,167$12.75$652.3KForm 4
Jul 27, 2022Bena Pamela ADirectorBuy800$11.79$9.4KForm 4
May 17, 2022Mencini Frank CDirectorBuy1,000$11.61$11.6KForm 4

All 24 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Vincent J. Delie, Jr.President and CEO$1.2M$8.5M107
2025Vincent J. Calabrese, Jr.Chief Financial Officer63$575.5K$2.6M107
2025Gary L. GuerrieriChief Credit Officer66$528.5K$1.9M107
2025David B. Mitchell IIChief Wholesale Banking Officer68$455.6K$1.5M107
2025Alfred D. ChoChief Consumer Banking Officer48$95.2K$1.4M107
2025Barry C. RobinsonChief Consumer Banking Officer$368.4K$1.2M107
2024Vincent J. Delie, Jr.President and CEO$1.2M$7.3M107
2024Vincent J. Calabrese, Jr.Chief Financial Officer63$564.6K$2.2M107
2024Gary L. GuerrieriChief Credit Officer66$518.6K$1.6M107
2024David B. Mitchell IIChief Wholesale Banking Officer68$446.7K$1.3M107
2024Barry C. RobinsonChief Consumer Banking Officer$436.7K$1.3M107
2023Vincent J. Delie, Jr.President and CEO$1.2M$7.4M107
2023Vincent J. Calabrese, Jr.Chief Financial Officer63$553.4K$2.5M107
2023Gary L. GuerrieriChief Credit Officer66$508.4K$1.8M107
2023David B. Mitchell IIChief Wholesale Banking Officer68$437.5K$1.4M107
2023Barry C. RobinsonChief Consumer Banking Officer$427.5K$1.4M107

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.46,720,806$891.4M0.0%+2,139,265
Fmr LLC26,757,771$510.5M0.0%+2,799,991
Dimensional Fund Advisors LP20,099,642$383.5M0.1%+227,130
Vanguard Portfolio Management LLC20,044,699$382.5M0.0%+368,278
Fuller & Thaler Asset Management, Inc.16,708,254$318.8M0.9%−1,159,346
First Trust Advisors LP16,284,370$310.7M0.2%+5,305,735
Vanguard Capital Management LLC16,127,538$307.7M0.0%+108,844
State Street Corp15,770,476$300.9M0.0%+354,981
Aqr Capital Management LLC10,342,210$197.3M0.1%+7,099,927
Geode Capital Management, LLC6,569,168$125.4M0.0%−10,865
Two Sigma Investments, LP6,435,169$122.8M0.1%−1,035,569
Morgan Stanley5,879,004$112.2M0.0%+643,809
Nomura Asset Management International Inc.4,793,490$91.5M0.1%−208,492
Goldman Sachs Group Inc4,496,407$85.8M0.0%+959,478
Principal Financial Group Inc3,882,964$74.1M0.0%+60,065
Charles Schwab Investment Management Inc3,789,099$72.3M0.0%−94,372
FIL Ltd3,514,710$67.1M0.0%−15,861
Arrowstreet Capital, Limited Partnership3,481,821$66.4M0.0%+2,562,890
Northern Trust Corp3,383,092$64.5M0.0%−80,488
Norges Bank3,339,706$63.7M0.0%New
Bank Of America Corp /de/3,112,675$59.4M0.0%+125,360
Millennium Management LLC3,085,830$58.9M0.0%+2,747,981
Renaissance Technologies LLC2,951,727$56.3M0.1%−688,034
Bank of New York Mellon Corp2,846,661$54.3M0.0%−111,139
Voloridge Investment Management, LLC2,797,937$53.4M0.2%+796,913

13F reports cover disclosed long positions in U.S. stocks only.

Members of Congress who traded it

5 trades disclosed by members of Congress. “Vs S&P since” is the stock’s change since the trade minus the S&P 500’s.

DateMemberTradeAmountVs S&P sinceFiling
Jun 11, 2025Lisa C. McClainRepublican, HouseSale$1,001 - $15,000+6.3%Report
Jun 9, 2025Lisa C. McClainRepublican, HouseBuy$1,001 - $15,000−7.0%Report
Jun 21, 2022Christopher L. Jacobs, HouseBuy$15,001 - $50,000−48.5%Report
May 15, 2019Donna Shalala, HouseSale$1,001 - $15,000+120.0%Report
Mar 6, 2019Donna Shalala, HouseBuy$1,001 - $15,000−133.8%Report

Members report amounts as ranges, not exact figures. Returns are price-only (no dividends).

SEC filer profile

How FNB Corporation is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARFNB CORP/PA/2
  • CIK0000037808
  • Employer ID (EIN)25-125540618
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company18
  • Incorporated inPennsylvania18
  • Fiscal year endsDecember 312
  • Industry code (SIC)6021 National Commercial Banks2
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance2
  • Business addressF.N.B. Corporation, 626 Washington Place, Pittsburgh, PA 152192
  • Phone800-555-54552
  • Shares outstanding353,000,972 as of Jul 31, 202616
  • Public float$5.0B as of Jun 30, 202518
  • AuditorErnst and Young LLP, Pittsburgh, PA PCAOB ID 42; it also attests to the company’s internal control over financial reporting18
  • On EDGAR sinceMay 11, 19952
  • Filings3,196 in all: 4 (1,293), 5 (363), 8-K (334), 424B2 (280), 425 (116), 10-Q (95), 4/A (93), SC 13G/A (51)2
    All 53 form types

    3 (42), S-8 POS (39), 10-K (31), DEF 14A (31), S-8 (30), 11-K (28), S-4 (26), 424B3 (25), EFFECT (25), S-4/A (21), S-3ASR (20), SC 13G (20), 3/A (18), DEFA14A (18), 424B5 (17), ARS (17), UPLOAD (16), CORRESP (15), POS AM (15), S-3 (15), 144 (13), 8-K/A (11), S-3/A (11), FWP (9), 424B7 (6), 10-K/A (5), 5/A (5), S-3DPOS (5), POSASR (4), PRE 14A (4), SCHEDULE 13G (4), SCHEDULE 13G/A (4), SC 13D (3), 305B2 (2), 8-A12B (2), 8-A12B/A (2), CERTNYS (2), REGDEX (2), S-3D (2), 10-C (1), 10-Q/A (1), 15-12G (1), 25-NSE (1), 8-K12B (1), S-3MEF (1)

  • Latest filingsAnnual report (10-K) Feb 24, 2026
    Quarterly report (10-Q) Aug 5, 2026
    Proxy statement (DEF 14A) Mar 25, 2026
    Latest 8-K (8-K) Jul 17, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, par value $0.01 per shareFNBNew York Stock Exchange

From the cover page of the 10-K filed Feb 24, 2026 (Section 12(b) of the Exchange Act).18

Risk factors and legal proceedings

The risks FNB Corporation names in Item 1A of its 10-K filed Feb 24, 2026: 38 risks under these headings, as written.18

  • 1. Credit Risk
  • Our results of operations are significantly affected by the ability of our borrowers to repay their loans.
  • Our mortgage banking profitability could be significantly reduced if we are not able to originate and resell a high volume of mortgage loans.
  • Our financial condition and results of operations could be adversely affected if we must further increase our provision for credit losses or if our ACL is not sufficient to absorb actual losses.
  • 2. Market Risk
  • Our business and financial performance is impacted significantly by market interest rates and changes in those rates. The monetary, tax and other policies of governmental agencies, including the UST and the FRB, have a direct impact on interest rates and overall financial market performance over which we have no control and which may not be able to be predicted with reasonable accuracy.
  • Changes in interest rates could reduce the value of our AFS securities holdings which would increase our accumulated other comprehensive loss and thereby negatively impact shareholders’ equity.
  • 3. Liquidity Risk
  • Liquidity risk could impair our ability to fund operations and meet our obligations as they become due.
  • The proportion of our deposit account balances that exceed FDIC insurance limits may expose FNBPA to enhanced liquidity risk in times of financial distress.
  • We are dependent on dividends from our subsidiaries to meet our financial obligations and pay dividends to shareholders.
  • Regulatory authorities may restrict our ability to pay dividends on, and make repurchases of, our common stock.
The other 29 risks
  • We have outstanding securities senior to common stock which could limit our ability to pay dividends on our common stock.
  • Our growth may require us to raise additional capital in the future, but that capital may not be available when it is needed.
  • 4. Reputation Risk
  • Our key assets include our brand and reputation and our business may be affected by how we are perceived by the public.
  • Increasing, complex, evolving and conflicting federal government policies, regulatory, stakeholder, and other third-party expectations on sustainability, human capital and social governance (Corporate Responsibility) practices could adversely affect our reputation, expose us to government investigations and enforcement actions, litigation and our access to capital and the market price of our securities.
  • 5. Operational Risk
  • Our failure to continue to recruit and retain qualified banking professionals could adversely affect our ability to compete successfully and affect our profitability.
  • The financial soundness of other financial institutions may adversely affect FNB, FNBPA and other affiliates.
  • Changes and instability in economic conditions and financial markets, including a contraction of economic activity, could adversely impact our business, results of operations and financial condition.
  • Our business could be adversely affected by difficult economic conditions in the regions in which we operate.
  • Global trade policies, including changing tariffs and the imposition of new or increased tariffs and related uncertainty thereof, could have a material adverse effect on our business, results of operations or financial condition.
  • The banking and financial services industry continually encounters technological change, especially in the systems that are used to deliver products to, and execute transactions on behalf of, customers. If we fail to continue to invest in technological improvements as they become appropriate or necessary, our ability to compete effectively could be severely impaired.
  • Extensive use of models, AI and generative AI technologies presents operational, regulatory and reputational risks.
  • An interruption in or breach in security of our information systems, or other cybersecurity risks, could result in a loss of customer business, increased compliance and remediation costs, civil litigation or governmental regulatory action, and have an adverse effect on our results of operations, financial condition and cash flows.
  • Our day-to-day operations rely heavily on the proper functioning of products, information systems and services provided by third-party vendors.
  • There may be risks resulting from the extensive use of models in our business.
  • Our asset valuations may include methodologies, estimations and assumptions that are subject to differing interpretations which, along with market factors such as volatility in one or more markets or industries, could result in changes to asset valuations that may materially adversely affect our results of operations or financial condition.
  • Hurricanes, tornadoes, excessive rainfall, droughts or other adverse weather events, and public health emergencies could negatively affect the local economies in the markets of our footprint, or disrupt our operations in those markets, which could have an adverse effect on our business or results of operations.
  • We grow our business in part by acquiring other banks and financial services businesses from time to time. Acquisitions present a number of risks and uncertainties related both to the acquisition transactions themselves and to the integration of the acquired businesses with us after closing.
  • 6. Legal and Compliance Risk
  • We could be adversely affected by changes in the law, especially changes in the regulation of the banking industry.
  • We are subject to supervision and examination by U.S. government authorities and may become subject to investigations, enforcement actions, fines, and other adverse effects.
  • Fiscal challenges facing the U.S. government could negatively impact financial markets which in turn could have an adverse effect on our financial position or results of operations.
  • Our financial condition and results of operations may be adversely affected by changes in accounting policies, standards and interpretations.
  • Certain provisions of our Articles of Incorporation and By-laws and Pennsylvania law may discourage takeovers.
  • We have experienced and may experience future increases in our FDIC insurance assessments due to the bank failures that affect the FDIC's insurance fund.
  • Adverse changes to our credit ratings could limit our access to funding and increase our borrowing costs.
  • We are subject to the CRA and fair lending laws, and failure to comply with these laws could lead to material penalties.
  • The consent orders entered into by FNBPA with the DOJ and the North Carolina State Department of Justice will cause us to incur additional compliance costs, may harm our reputation and may restrict our ability to engage in certain business activities and transactions, and our failure to comply with the terms of such consent orders may subject us to further enforcement actions.
  • Our financial condition and results of operations may be adversely affected by changes in federal, state or local tax rules and regulations, or interpretations.
  • Significant changes to the size, structure, powers and operations of the federal government may cause economic disruptions that could adversely impact our business, results of operations and financial condition.
  • 7. Strategic Risk
  • If we are not able to continue our historical levels of growth, we may not be able to maintain our historical revenue trends.

Legal proceedings

The information required by this item is set forth in Note 16, "Commitments, Credit Risk and Contingencies" under the heading “Other Legal and Regulatory Proceedings” in the Notes to Consolidated Financial Statements, contained in Part II, in Item 8 of this Report, is incorporated herein by reference.

The opening of Item 3, Legal Proceedings.18

Sources

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