FNB Financial Services offers up to $500M in notes

Rhea-AI Filing Summary

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.

Key Figures

Aggregate principal amount: $500,000,000 Annual interest rate — subordinated daily notes: 1.50% Annual percentage yield — subordinated daily notes: 1.51% +4 more

7 metrics

Aggregate principal amount $500,000,000 Maximum amount of notes offered

Annual interest rate — subordinated daily notes 1.50% Effective September 30, 2026

Annual percentage yield — subordinated daily notes 1.51% Effective September 30, 2026

Balance — subordinated special daily notes $25,000.00 Balance level in the rate schedule

Balance — subordinated jumbo daily notes $100,000.00 Balance level in the rate schedule

Annual interest rate — 120-month special term notes 5.50% Effective September 30, 2026

Annual percentage yield — 120-month special term notes 5.61% Effective September 30, 2026

Key Terms

subordinated notes, ANNUAL PERCENTAGE YIELD, aggregate principal amount, nonnegotiable

4 terms

subordinated notes financial

"nonnegotiable subordinated term, daily and special daily notes"

Subordinated notes are loans companies issue that rank below other debts for repayment, meaning holders get paid only after higher-priority creditors if the issuer runs into trouble. Because they act like being farther back in line at a buffet, they usually offer higher interest to compensate for greater risk, so investors watch them for potential higher returns but also increased chance of loss and sensitivity to the issuer’s financial health.

ANNUAL PERCENTAGE YIELD financial

"ANNUAL PERCENTAGE YIELD"

Annual percentage yield (APY) is the actual yearly return on a savings or cash investment after counting how frequently earned interest is added back to the account, so interest itself starts earning more interest. Think of it like planting a seed that not only grows but whose new leaves also help it grow faster; for investors, APY shows the true, apples‑to‑apples growth rate of cash holdings and helps compare offers that compound at different speeds.

aggregate principal amount financial

"Five Hundred Million Dollars ($500,000,000) aggregate principal amount"

The aggregate principal amount is the total amount of money borrowed through a bond or loan that the borrower promises to repay. It’s like the original price tag on a loan or bond, showing how much money is involved in the deal. This number matters because it indicates the size of the debt and helps investors understand the scale of the borrowing.

nonnegotiable financial

"nonnegotiable subordinated term, daily and special daily notes"

Offering Details

shelf · $500,000,000 aggregate principal amount

Offering

Offering Type shelf

Securities Offered Nonnegotiable subordinated term, daily and special daily notes

Offering Amount $500,000,000 aggregate principal amount

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How much is FNB's subordinated note offering?

FNB Financial Services, LP is offering up to $500,000,000 aggregate principal amount of nonnegotiable subordinated notes, fully and unconditionally guaranteed by FNB Corp.

What interest rates does FNB's note schedule list?

Effective September 30, 2026, subordinated daily notes have a 1.50% annual interest rate and 1.51% annual percentage yield; 120-month special term notes have a 5.50% annual interest rate and 5.61% annual percentage yield.

What balance levels apply to FNB's special daily and jumbo daily notes?

The schedule lists a $25,000.00 balance for subordinated special daily notes and a $100,000.00 balance for subordinated jumbo daily notes.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 09/30/2026 - 01:43 PM Accepted by SEC EDGAR 09/30/2026 - 10:31 AM Learn about SEC filing dates

PROSPECTUS SUPPLEMENT (To Prospectus Dated August 30, 2024) Filed Pursuant to Rule 424(b)(2) Registration No. 333-281871 and 333-281871-01

FNB FINANCIAL SERVICES, LP

$500,000,000

SUBORDINATED TERM NOTES AND DAILY NOTES

Pursuant to the prospectus, FNB Financial Services, LP is offering up to Five Hundred Million Dollars ($500,000,000) aggregate principal amount of its nonnegotiable subordinated term, daily and special daily notes (the “New Notes”), which are fully and unconditionally guaranteed by F.N.B. Corporation, (the “Company”). Renewals of Notes issued by the Company prior to 2005 and still outstanding carry the same interest rates as their corollary New Notes.

The following annual interest rates are applicable to both New Notes

and Outstanding Notes effective September 30, 2026.

						ANNUAL INTEREST RATE				ANNUAL PERCENTAGE YIELD
Subordinated Daily Notes							1.50	%			1.51	%
Subordinated Special Daily Notes MINIMUM BALANCE $25,000.00							3.40	%			3.44	%
Subordinated JUMBO Daily Notes MINIMUM BALANCE $100,000.00							4.00	%			4.06	%
Subordinated Term Notes
3 Month							3.20	%			3.24	%
6 Month							3.25	%			3.29	%
9 Month							3.30	%			3.34	%
12 Month							3.35	%			3.39	%
15 Month			SPECIAL				4.25	%			4.32	%
18 Month							3.45	%			3.49	%
21 Month							N/A				N/A
24 Month							3.60	%			3.65	%
27Month							3.70	%			3.75	%
30 Month							3.80	%			3.85	%
36 Month							3.80	%			3.85	%
48 Month							3.90	%			3.96	%
60 Month							4.00	%			4.06	%
84 Month							4.25	%			4.32	%
120 Month			SPECIAL				5.50	%			5.61	%

This Prospectus Supplement is dates September 30, 2026.