FNB (F.N.B. Corporation) reported third-quarter 2026 net income of $152.9 million, or $0.43 per diluted share, compared with $149.5 million and $0.41 a year earlier. Net interest income reached $376.5 million, up 4.8% year over year, while net interest margin (FTE) was 3.29%, versus 3.25%. For the first nine months, diluted earnings per share were $1.23, up 12.8% from $1.09.
Average loans and leases were $36.1 billion, up 3.7%, and average deposits were $38.8 billion, up 2.4% year over year. Non-interest income decreased 5.7% to $92.6 million, while non-interest expense rose 5.5% to $256.9 million. Provision for credit losses was $19.6 million; net charge-offs were $11.0 million, or 0.12% annualized, compared with $19.7 million, or 0.22%, in third quarter 2025. FNB repurchased $51 million of common stock, or 2.7 million shares, at a weighted average price of $18.69. The estimated CET1 ratio was 11.3% at quarter-end.
FNB Financial Services, LP is offering up to $500,000,000 aggregate principal amount of nonnegotiable subordinated term, daily and special daily notes, fully and unconditionally guaranteed by FNB Corp. Rates effective September 30, 2026 include 1.50% annual interest and a 1.51% annual percentage yield for daily notes, and 5.50% annual interest and a 5.61% annual percentage yield for 120-month special term notes. Special daily notes have a $25,000.00 balance level, and jumbo daily notes have a $100,000.00 balance level. Renewals of notes issued by FNB Corp. before 2005 and still outstanding carry the same interest rates as their corollary New Notes.
F.N.B. Corporation (FNB), as guarantor, supports an offering by FNB Financial Services, LP of up to $500,000,000 aggregate principal amount of nonnegotiable subordinated term, daily and special daily notes. These New Notes are fully and unconditionally guaranteed by F.N.B. Corporation and share rate terms with certain outstanding notes issued prior to 2005.
Effective September 2, 2026, subordinated Daily Notes bear an annual interest rate of 1.40% with a 1.41% annual percentage yield, while Special Daily Notes at a $25,000 balance earn 3.25% with a 3.29% yield. Jumbo Daily Notes at $100,000 balance pay 3.80% with a 3.85% yield. Subordinated Term Notes have tiered rates by maturity, including a 15‑month special at 4.25% (4.32% APY) and a 120‑month special at 5.50% (5.61% APY).
Fuller & Thaler Asset Management, Inc., a California corporation, reports beneficial ownership of 16,708,253.67 shares of FNB CORP/PA common stock, representing 4.69% of the class. It has sole power to vote 16,470,151.67 shares and sole power to dispose of 16,708,253.67 shares, with no shared voting or dispositive power. The position is held in accounts for advisory clients, each of whom has the right to receive dividends or sale proceeds from the stock. The report is signed by the Chief Compliance Officer, Hanna Zanoni, on August 14, 2026.
David Bryant Mitchell, Chief Wholesale Banking Officer of FNB Corp, reported selling 4,055 shares of Common Stock on August 6, 2026 at $19.245 per share in an open-market transaction. After the sale, he directly holds 144,282.718 shares and indirectly holds 13,634.099 shares through a 401K plan. The reported direct holdings include shares acquired via the company’s dividend reinvestment plan and dividend-equivalent units on restricted stock units since his prior filing.
F.N.B. Corporation has a notice of proposed sale of common stock under Form 144. The filing lists 4,055 shares of common stock held at Fidelity Brokerage Services LLC, with an aggregate market value of $78,038.48. The shares relate to restricted stock that vested on January 5, 2026 (2,417 shares) and January 18, 2026 (1,638 shares), both described as issuer-granted compensation.
F.N.B. Corporation reported higher earnings for the first half of 2026. For the three months ended June 30, 2026, net income was $149 million versus $130 million a year earlier, and diluted EPS was $0.42 versus $0.36. For the first six months, net income was $286 million compared with $247 million, with diluted EPS of $0.80 versus $0.68.
Net interest income was $366 million in the quarter versus $348 million as total interest expense declined to $212 million from $235 million, while non-interest income rose to $97 million from $91 million. Non-interest expense increased to $253 million from $247 million.
At June 30, 2026, total assets were $50,999 million and loans and leases were $35,769 million, up from $34,777 million at December 31, 2025. Deposits were $38,679 million. The allowance for credit losses on loans and leases was $447.3 million, a 1.25% coverage ratio, and non-performing loans were $110 million, or 0.31% of total loans and leases, with year-to-date net charge-offs of $32.9 million. Year-to-date, common dividends declared were $0.25 per share, and share repurchases totaled $82 million.
F.N.B. Corporation has a significant shareholder group reporting passive ownership of its common stock. First Trust Portfolios L.P., First Trust Advisors L.P. and The Charger Corporation jointly report beneficial ownership of 18,171,886 common shares, representing 5.10% of the class, on a Schedule 13G.
The group reports shared voting power over 16,284,370 shares and shared dispositive power over 18,171,886 shares, with no sole voting or dispositive power. The shares are primarily held in unit investment trusts, registered investment companies, pooled vehicles and separately managed accounts for which First Trust entities act as sponsor, advisor or sub-advisor. Voting for unit investment trust shares is generally carried out by the trustee to mirror outside shareholders, and all three reporting persons formally disclaim beneficial ownership of the reported shares.
F.N.B. Corporation reported strong second-quarter 2026 results, with net income of $148.7 million and diluted EPS of $0.42, up from $0.36 a year earlier and $0.38 in the prior quarter. Record revenue of $462.7 million reflected net interest income of $365.7 million and non-interest income of $97.0 million, and pre-provision net revenue rose to $209.4 million.
Average loans and leases reached $35.5 billion and deposits $38.7 billion, while the net interest margin (FTE) held at 3.25%. Asset quality remained solid with net charge-offs at 0.19% of average loans and non-performing loans plus OREO at 0.31% of total loans and OREO. Capital stayed robust, with an estimated Common Equity Tier 1 ratio of 11.4% and tangible book value per share of $12.24, up 9.9% year-over-year. The company repurchased 2.7 million shares for $47 million at an average price of $17.46.
FNB CORP/PA/ Chief Credit Officer Gary L. Guerrieri reported an open-market sale of 19,000 shares of Common Stock at $18.53 per share. After this sale, he directly holds 298,096.933 shares. He also indirectly holds 90,136.724 shares through a 401(k) plan and 932.733 shares as custodian for a child.
The reported holdings include shares acquired through the company’s dividend reinvestment plan and dividend equivalent units accrued on restricted stock units since his last filing.