[424B2] – FNB Financial Services, LP (CIK 0001314381)
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.
FNB Financial Services, LP sta offrendo fino a $500,000,000 aggregato di importo nomiale di note subordinate a termine non negoziabili giornaliere e note giornaliere speciali (le “Nuove Note”), pienamente e incondizionatamente garantite da F.N.B. Corporation.
Le tariffe di interesse annuo vigenti a partire dal 15 ottobre 2025 includono esempi quali: Note Subordinate Daily 1.40% (APY 1.41%), Note Subordinate a Termine di 6 mesi 4.10% (APY 4.16%) contrassegnate come speciali, e Note Subordinate a Termine di 120 mesi 5.50% (APY 5.61%) contrassegnate come speciali. Le Special Daily Notes richiedono un saldo minimo di $25.000; le Jumbo Daily Notes richiedono $100.000.
Il rinnovo delle note emesse dalla Società prima del 2005 e ancora in circolazione mantiene le stesse tariffe di interesse delle rispettive Nuove Note.
FNB Financial Services, LP ofrece hasta $500,000,000 de monto principal agregado de notas subordinadas a plazo no negociables diarias y notas diarias especiales (las “Nuevas Notas”), totalmente y incondicionalmente garantizadas por F.N.B. Corporation.
Las tasas de interés anual vigentes a partir del 15 de octubre de 2025 incluyen ejemplos como: Notas Diarias Subordinadas 1.40% (APY 1.41%), Notas a Plazo Subordinadas de 6 meses 4.10% (APY 4.16%) marcadas como especiales, y Notas a Plazo Subordinadas de 120 meses 5.50% (APY 5.61%) marcadas como especiales. Las Notas Diarias Especiales requieren un saldo mínimo de $25,000; las Notas Diarias Jumbo requieren $100,000.
Renovaciones de notas emitidas por la Compañía antes de 2005 y aún en circulación mantienen las mismas tasas de interés que sus Notas Nuevas correspondientes.
FNB Financial Services, LP는 최대 $500,000,000의 총 원금 합계의 비양도 가능 종속형 단기 및 일일, 그리고 특별 일일 채권("신규 채권")을 제공하며, F.N.B. Corporation이 전적으로 및 무조건 보장합니다.
2025년 10월 15일 현재 효력 있는 연이율은 예를 포함합니다: 일일 종속 채권 1.40% (APY 1.41%), 6개월 종속형 채권 4.10% (APY 4.16%) 특별로 표시, 그리고 120개월 종속형 채권 5.50% (APY 5.61%) 특별로 표시. 특별 일일 채권은 최소 잔액 $25,000이 필요; Jumbo 일일 채권은 $100,000 필요.
2005년 이전에 회사가 발행했고 아직 만기되지 않는 채권의 갱신은 신규 채권과 동일한 이율을 유지합니다.
FNB Financial Services, LP propose jusqu'à $500 000 000 en montant principal agrégé de notes quotidiennes non négociables à terme substitué, et de notes quotidiennes spéciales (les « Nouvelles Notes »), entièrement et inconditionnellement garanties par F.N.B. Corporation.
Les taux d'intérêt annuels en vigueur à partir du 15 octobre 2025 incluent des exemples tels que: Notes Journalières Subordonnées 1.40% (APY 1.41%), Notes à Terme Subordonné de 6 mois 4.10% (APY 4.16%) marquées comme Special, et Notes à Terme Subordonné de 120 mois 5.50% (APY 5.61%) marquées comme Special. Les Notes Quotiens Spéciales nécessitent un solde minimum de $25,000; les Notes Quotiens Jumbo nécessitent $100,000.
Les renouvellements des notes émises par la Société avant 2005 et encore en circulation conservent les mêmes taux d'intérêt que leurs Nouvelles Notes correspondantes.
FNB Financial Services, LP bietet bis zu $500.000.000 Gesamtnominalbetrag von nicht verhandelbaren nachrangigen Termins- und Tagesnoten (die „Neuen Noten“), vollständig und bedingungslos garantierte von F.N.B. Corporation.
Jährliche Zinssätze, geltend ab dem 15. Oktober 2025, umfassen Beispiele wie: Subordinierte Tagesnoten 1,40% (APY 1,41%), 6-Monats-Subordinierte Term Notes 4,10% (APY 4,16%) markiert als Special, und 120-Monats-Subordinierte Term Notes 5,50% (APY 5,61%) markiert als Special. Spezielle Tagesnoten erfordern ein Mindestguthaben von $25.000; Jumbo-Tagesnoten erfordern $100.000.
Erneuerungen von Anleihen, die von der Gesellschaft vor 2005 ausgegeben wurden und noch ausstehen, tragen dieselben Zinssätze wie ihre entsprechenden Neuen Noten.
FNB Financial Services, LP يقدّم حتى $500,000,000 كمقدار رئيسي إجمالي لسندات يومية فرعية غير قابلة للمفاوضة لفترة يومية وفترات يومية خاصة (الأوراق المالية الجديدة)، مضمونة كلياً ودون قيد من قبل F.N.B. Corporation.
تُطبق معدلات الفائدة السنوية الفعالة اعتباراً من 15 أكتوبر 2025 وتشمل أمثلة مثل: سندات يومية فرعية 1.40% (APY 1.41%)، سندات يومية فرعية لمدة 6 أشهر 4.10% (APY 4.16%) مُعلمة كـ خاصة، وسندات لمدة 120 شهراً فرعية 5.50% (APY 5.61%) مُعلمة كـ خاصة. تتطلب السندات اليومية الخاصة حداً أدنى للرصيد قدره $25,000؛ وتتطلب سندات اليومية الجامبو $100,000.
تجديدات السندات التي أصدرتها الشركة قبل عام 2005 ولا تزال سارية تحمل نفس معدلات الفائدة كسنداتها الجديدة المقابلة.
FNB Financial Services, LP 提供至多 $500,000,000 总本金金额 的不可转让的到期日随日记日记及特别日记票据（“新票据”），由F.N.B. Corporation 全部且无条件担保。
自 2025年10月15日 生效的年度利率示例包括：Subordinated Daily Notes 1.40%（APY 1.41%），6 个月 Subordinated Term Notes 4.10%（APY 4.16%）标记为 Special，以及 120 个月 Subordinated Term Notes 5.50%（APY 5.61%）标记为 Special。Special Daily Notes 需要最低余额 $25,000；Jumbo Daily Notes 需要 $100,000。
公司在2005年之前发行且尚未到期的票据续期，维持与其相应新票据相同的利率。
- None.
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Insights
Large primary debt program with disclosed rate tiers and parent guarantee.
FNB Financial Services, LP lists a primary offering of up to
Examples include Subordinated Daily Notes at
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.
FNB Financial Services, LP sta offrendo fino a $500,000,000 aggregato di importo nomiale di note subordinate a termine non negoziabili giornaliere e note giornaliere speciali (le “Nuove Note”), pienamente e incondizionatamente garantite da F.N.B. Corporation.
Le tariffe di interesse annuo vigenti a partire dal 15 ottobre 2025 includono esempi quali: Note Subordinate Daily 1.40% (APY 1.41%), Note Subordinate a Termine di 6 mesi 4.10% (APY 4.16%) contrassegnate come speciali, e Note Subordinate a Termine di 120 mesi 5.50% (APY 5.61%) contrassegnate come speciali. Le Special Daily Notes richiedono un saldo minimo di $25.000; le Jumbo Daily Notes richiedono $100.000.
Il rinnovo delle note emesse dalla Società prima del 2005 e ancora in circolazione mantiene le stesse tariffe di interesse delle rispettive Nuove Note.
FNB Financial Services, LP ofrece hasta $500,000,000 de monto principal agregado de notas subordinadas a plazo no negociables diarias y notas diarias especiales (las “Nuevas Notas”), totalmente y incondicionalmente garantizadas por F.N.B. Corporation.
Las tasas de interés anual vigentes a partir del 15 de octubre de 2025 incluyen ejemplos como: Notas Diarias Subordinadas 1.40% (APY 1.41%), Notas a Plazo Subordinadas de 6 meses 4.10% (APY 4.16%) marcadas como especiales, y Notas a Plazo Subordinadas de 120 meses 5.50% (APY 5.61%) marcadas como especiales. Las Notas Diarias Especiales requieren un saldo mínimo de $25,000; las Notas Diarias Jumbo requieren $100,000.
Renovaciones de notas emitidas por la Compañía antes de 2005 y aún en circulación mantienen las mismas tasas de interés que sus Notas Nuevas correspondientes.
FNB Financial Services, LP는 최대 $500,000,000의 총 원금 합계의 비양도 가능 종속형 단기 및 일일, 그리고 특별 일일 채권("신규 채권")을 제공하며, F.N.B. Corporation이 전적으로 및 무조건 보장합니다.
2025년 10월 15일 현재 효력 있는 연이율은 예를 포함합니다: 일일 종속 채권 1.40% (APY 1.41%), 6개월 종속형 채권 4.10% (APY 4.16%) 특별로 표시, 그리고 120개월 종속형 채권 5.50% (APY 5.61%) 특별로 표시. 특별 일일 채권은 최소 잔액 $25,000이 필요; Jumbo 일일 채권은 $100,000 필요.
2005년 이전에 회사가 발행했고 아직 만기되지 않는 채권의 갱신은 신규 채권과 동일한 이율을 유지합니다.
FNB Financial Services, LP propose jusqu'à $500 000 000 en montant principal agrégé de notes quotidiennes non négociables à terme substitué, et de notes quotidiennes spéciales (les « Nouvelles Notes »), entièrement et inconditionnellement garanties par F.N.B. Corporation.
Les taux d'intérêt annuels en vigueur à partir du 15 octobre 2025 incluent des exemples tels que: Notes Journalières Subordonnées 1.40% (APY 1.41%), Notes à Terme Subordonné de 6 mois 4.10% (APY 4.16%) marquées comme Special, et Notes à Terme Subordonné de 120 mois 5.50% (APY 5.61%) marquées comme Special. Les Notes Quotiens Spéciales nécessitent un solde minimum de $25,000; les Notes Quotiens Jumbo nécessitent $100,000.
Les renouvellements des notes émises par la Société avant 2005 et encore en circulation conservent les mêmes taux d'intérêt que leurs Nouvelles Notes correspondantes.
FNB Financial Services, LP bietet bis zu $500.000.000 Gesamtnominalbetrag von nicht verhandelbaren nachrangigen Termins- und Tagesnoten (die „Neuen Noten“), vollständig und bedingungslos garantierte von F.N.B. Corporation.
Jährliche Zinssätze, geltend ab dem 15. Oktober 2025, umfassen Beispiele wie: Subordinierte Tagesnoten 1,40% (APY 1,41%), 6-Monats-Subordinierte Term Notes 4,10% (APY 4,16%) markiert als Special, und 120-Monats-Subordinierte Term Notes 5,50% (APY 5,61%) markiert als Special. Spezielle Tagesnoten erfordern ein Mindestguthaben von $25.000; Jumbo-Tagesnoten erfordern $100.000.
Erneuerungen von Anleihen, die von der Gesellschaft vor 2005 ausgegeben wurden und noch ausstehen, tragen dieselben Zinssätze wie ihre entsprechenden Neuen Noten.
| 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?
Who guarantees the new subordinated notes for FNB (FNB)?
What are sample interest rates for FNB’s notes effective October 15, 2025?
Are there minimum balance requirements for FNB’s daily notes?
Do renewals of older notes change rates under this program?
What filing form covers this FNB offering?
