FNB Financial Services (NYSE: FNB) sets rates on $500M subordinated note program

Rhea-AI Filing Summary

FNB Financial Services, LP, fully guaranteed by F.N.B. Corporation, is offering up to $500,000,000 aggregate principal amount of nonnegotiable subordinated term, daily and special daily notes under its note program. Renewals of certain notes issued before 2005 keep the same interest rates as the corresponding new notes.

Effective December 17, 2025, subordinated daily notes carry a 1.40% annual interest rate with a 1.41% annual percentage yield. Subordinated special daily notes require a minimum balance of $25,000.00 and pay 3.25% interest with a 3.29% yield, while subordinated jumbo daily notes require at least $100,000.00 and pay 3.85% interest with a 3.91% yield.

Subordinated term notes offer fixed rates by maturity, including 3.20% interest (APY 3.24%) for 3‑month notes, special 6‑month notes at 4.10% (APY 4.16%), and special 18‑month notes at 4.20% (APY 4.27%). Longer terms include 60‑month notes at 4.00% (APY 4.06%) and special 120‑month notes at 5.50% (APY 5.61%).

PROSPECTUS SUPPLEMENT		Filed Pursuant to Rule 424(b)(2)
(To Prospectus Dated August 30, 2024)		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 December 17, 2025.

				ANNUAL INTEREST RAT E				ANNUAL PERCENTAGE YIELD
Subordinated Daily Notes					1.40	%			1.41	%
Subordinated Special Daily Notes MINIMUM BALANCE $25,000.00					3.25	%			3.29	%
Subordinated JUMBO Daily Notes MINIMUM BALANCE $100,000.00					3.85	%			3.91	%
Subordinated Term Notes
3 Month					3.20	%			3.24	%
6 Month		SPECIAL			4.10	%			4.16	%
9 Month					3.30	%			3.34	%
12 Month					3.40	%			3.44	%
15 Month					3.50	%			3.55	%
18 Month		SPECIAL			4.20	%			4.27	%
21 Month					N/A				N/A
24 Month					3.60	%			3.65	%
27 Month					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 dated December 17, 2025.

FAQ

What is FNB (F.N.B. Corporation) offering in this prospectus supplement?

FNB Financial Services, LP, fully guaranteed by F.N.B. Corporation, is offering up to $500,000,000 aggregate principal amount of nonnegotiable subordinated term, daily and special daily notes, referred to as the New Notes.

What are the interest rates on FNB subordinated daily and special daily notes?

Effective December 17, 2025, subordinated daily notes pay 1.40% interest with a 1.41% APY. Subordinated special daily notes, with a $25,000.00 minimum balance, pay 3.25% interest and a 3.29% APY. Subordinated jumbo daily notes, with a $100,000.00 minimum, pay 3.85% interest and a 3.91% APY.

What interest rates does FNB offer on its subordinated term notes by maturity?

Subordinated term notes have fixed annual interest rates by term, including 3.20% (APY 3.24%) for 3‑month, special 4.10% (APY 4.16%) for 6‑month, 3.40% (APY 3.44%) for 12‑month, 3.80% (APY 3.85%) for 36‑month, 4.00% (APY 4.06%) for 60‑month, and special 5.50% (APY 5.61%) for 120‑month notes.

Are older FNB notes affected by these new rates?

Yes. Renewals of notes issued by the Company prior to 2005 that are still outstanding carry the same interest rates as their corresponding New Notes under this program.

When do these FNB note interest rates become effective?

The annual interest rates and annual percentage yields listed for both New Notes and outstanding notes are effective as of December 17, 2025, the date of this prospectus supplement.

What minimum balances apply to FNB special and jumbo daily notes?

Subordinated special daily notes require a minimum balance of $25,000.00, while subordinated jumbo daily notes require a minimum balance of $100,000.00.