FNB Financial Services offers $500M notes with rates up to 5.50%

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 (the “New Notes”), fully and unconditionally guaranteed by F.N.B. Corporation.

Annual interest rates effective October 15, 2025 include examples such as: Subordinated Daily Notes 1.40% (APY 1.41%), 6‑Month Subordinated Term Notes 4.10% (APY 4.16%) marked special, and 120‑Month Subordinated Term Notes 5.50% (APY 5.61%) marked special. Special Daily Notes require a minimum balance of $25,000; Jumbo Daily Notes require $100,000.

Renewals of notes issued by the Company prior to 2005 and still outstanding carry the same interest rates as their corollary New Notes.

Insights

Debt capital markets analyst

Large primary debt program with disclosed rate tiers and parent guarantee.

FNB Financial Services, LP lists a primary offering of up to $500,000,000 in subordinated notes, fully and unconditionally guaranteed by F.N.B. Corporation. The supplement specifies rate tiers across daily, special daily, jumbo daily, and multiple term maturities, effective October 15, 2025.

Examples include Subordinated Daily Notes at 1.40% (APY 1.41%), 6‑Month Term Notes marked special at 4.10% (APY 4.16%), and 120‑Month Term Notes marked special at 5.50% (APY 5.61%). Minimum balances apply to special daily ($25,000) and jumbo daily ($100,000) notes.

This structure outlines permitted instruments and pricing; actual issuance volume and timing depend on investor demand. Renewals of pre‑2005 notes align to corresponding New Note rates.

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 October 15, 2025.

						ANNUAL INTEREST RATE				ANNUAL PERCENTAGE YIELD
Subordinated Daily Notes							1.40	%			1.41	%
Subordinated Special Daily Notes MINIMUM BALANCE $25,000.00							3.40	%			3.44	%
Subordinated JUMBO Daily Notes MINIMUM BALANCE $100,000.00							4.10	%			4.16	%
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 October 15, 2025.

FAQ

What is FNB (FNB) offering in this prospectus supplement?

FNB Financial Services, LP is offering up to $500,000,000 aggregate principal amount of nonnegotiable subordinated term, daily, and special daily notes.

Who guarantees the new subordinated notes for FNB (FNB)?

The notes are fully and unconditionally guaranteed by F.N.B. Corporation.

What are sample interest rates for FNB’s notes effective October 15, 2025?

Examples include Subordinated Daily Notes 1.40% (APY 1.41%), 6‑Month Term Notes (special) 4.10% (APY 4.16%), and 120‑Month Term Notes (special) 5.50% (APY 5.61%).

Are there minimum balance requirements for FNB’s daily notes?

Yes. Special Daily Notes require a $25,000 minimum balance; Jumbo Daily Notes require $100,000.

Do renewals of older notes change rates under this program?

Renewals of notes issued prior to 2005 and still outstanding carry the same rates as their corollary New Notes.

What filing form covers this FNB offering?

It is a Rule 424(b)(2) prospectus supplement to a prospectus dated August 30, 2024.