F.N.B. Corp guarantees up to $500M in new notes

Effective Sept. 2, 2026, the subordinated Daily Notes will pay 1.40% and $25,000 Special Daily Notes will earn 3.25%.

Rhea-AI Filing Summary

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).

Key Figures

Aggregate principal amount of New Notes: $500,000,000 Subordinated Daily Notes annual interest rate: 1.40% Subordinated Daily Notes annual percentage yield: 1.41% +4 more

7 metrics

Aggregate principal amount of New Notes $500,000,000 Maximum subordinated term, daily and special daily notes offered

Subordinated Daily Notes annual interest rate 1.40% Daily Notes rate effective September 2, 2026

Subordinated Daily Notes annual percentage yield 1.41% Daily Notes APY effective September 2, 2026

Special Daily Notes rate at $25,000 balance 3.25% Subordinated Special Daily Notes annual interest rate

Jumbo Daily Notes rate at $100,000 balance 3.80% Subordinated JUMBO Daily Notes annual interest rate

15‑month Term Note special rate 4.25% Subordinated 15‑month Term Notes special annual interest rate

120‑month Term Note special rate 5.50% Subordinated 120‑month Term Notes special annual interest rate

Key Terms

subordinated term notes, aggregate principal amount, annual percentage yield, Prospectus Supplement, +1 more

5 terms

subordinated term notes financial

"offering up to ... aggregate principal amount of its nonnegotiable subordinated term"

aggregate principal amount financial

"offering up to 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.

annual percentage yield financial

"The following annual interest rates are applicable ... 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.

Prospectus Supplement regulatory

"This Prospectus Supplement is dated September 2, 2026."

A prospectus supplement is an additional document provided alongside a company's main offering details, offering updated or extra information about a specific financial product being sold. It helps investors understand the latest terms, risks, and details of the investment, similar to how an update or revision clarifies or expands on original instructions, ensuring they have current and complete information before making a decision.

nonnegotiable financial

"aggregate principal amount of its 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 guaranteed by F.N.B. Corporation

Offering Amount $500,000,000 aggregate principal amount

FAQ

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

What is FNB (FNB) offering in this 424B2 supplement?

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 F.N.B. Corporation. The supplement also updates the interest rates and annual percentage yields effective September 2, 2026.

What are the new interest rates on FNB subordinated Daily Notes?

Subordinated Daily Notes carry an annual interest rate of 1.40% and an annual percentage yield of 1.41%, effective September 2, 2026. These terms apply to both New Notes and certain Outstanding Notes originally issued prior to 2005 and renewed.

What rates apply to FNB Special and Jumbo Daily Notes as of September 2, 2026?

Subordinated Special Daily Notes with a $25,000 balance earn 3.25% interest with a 3.29% APY. Subordinated Jumbo Daily Notes with a $100,000 balance pay 3.80% interest with a 3.85% APY, effective September 2, 2026.

What are the key interest rates on FNB subordinated Term Notes?

Subordinated Term Notes feature tiered rates by maturity. Examples include 3.20% (3.24% APY) for 3‑month, 3.60% (3.65% APY) for 24‑month, 4.00% (4.06% APY) for 60‑month, and a 120‑month special rate of 5.50% (5.61% APY).

Are the FNB New Notes guaranteed by the parent company FNB (FNB)?

Yes. The New Notes are fully and unconditionally guaranteed by F.N.B. Corporation. Renewals of certain notes issued by the Company prior to 2005 share the same interest rates as the corresponding New Notes described in this supplement.

When do the updated FNB note rates in this prospectus supplement take effect?

The updated interest rates and annual percentage yields for the subordinated Daily Notes, Special Daily Notes, Jumbo Daily Notes and Term Notes are effective September 2, 2026, the date of this Prospectus Supplement.

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

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Available on EDGAR 09/02/2026 - 12:17 PM EDT Accepted by SEC EDGAR 09/02/2026 - 10:12 AM EDT 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 2, 2026.

						ANNUAL INTEREST RATE				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							3.80	%			3.85	%
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	%
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 September 2, 2026.