FNB CORP/PA/ (FNB) financial statements: income statement, balance sheet and cash flow

FNB CORP/PA/'s income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), FNB CORP/PA/ reported net income of $565.0M (+21.5% year on year).

Income statement

FNB CORP/PA/ income statement, fiscal years

Line item	Dec 31, 2025 · FY	Dec 31, 2024 · FY	Dec 31, 2023 · FY	Dec 31, 2022 · FY
Loans and leases, including fees	$2.0B	$2.0B	$1.8B	$1.1B
Taxable	$232.0M	$196.0M	$150.0M	$117.0M
Tax-exempt	$28.0M	$28.0M	$28.0M	$27.0M
Other	$70.0M	$43.0M	$41.0M	$24.0M
Total Interest Income	$2.3B	$2.3B	$2.0B	$1.3B
Deposits	$737.0M	$754.0M	$495.0M	$108.0M
Short-term borrowings	$68.0M	$99.0M	$78.0M	$25.0M
Long-term borrowings	$125.0M	$119.0M	$83.0M	$32.0M
Total Interest Expense	$930.0M	$972.0M	$656.0M	$165.0M
Net interest income (loss)	$1.4B	$1.3B	$1.3B	$1.1B
Provision for credit losses	$86.0M	$79.8M	$72.0M	$64.2M
Net Interest Income After Provision for Credit Losses	$1.3B	$1.2B	$1.2B	$1.1B
Service charges	$92.0M	$91.0M	$82.0M	$137.0M
Interchange and card transaction fees	$52.0M	$52.0M	$52.0M	—
Trust services	$48.0M	$46.0M	$43.0M	$39.0M
Insurance commissions and fees	$20.0M	$22.0M	$23.0M	$24.0M
Securities commissions and fees	$36.0M	$31.0M	$28.0M	$24.0M
Capital markets income	$27.0M	$24.0M	$27.0M	$35.0M
Mortgage banking operations	$28.0M	$27.0M	$21.0M	$21.0M
Dividends on non-marketable equity securities	$24.0M	$25.0M	$21.0M	$12.0M
Bank owned life insurance	$18.0M	$17.0M	$12.0M	$12.0M
Net securities gains (losses)	$0	($34.0M)	($67.0M)	—
Other	$24.0M	$15.0M	$12.0M	$19.0M
Total Non-Interest Income	$369.0M	$316.0M	$254.0M	$323.0M
Salaries and employee benefits	$530.0M	$504.0M	$462.0M	$426.0M
Net occupancy	$78.0M	$79.0M	$70.0M	$68.0M
Equipment	$108.0M	$98.0M	$91.0M	$76.0M
Outside services	$108.0M	$96.0M	$84.0M	$73.0M
Marketing	$20.0M	$21.0M	$17.0M	$16.0M
FDIC insurance	$28.0M	$41.0M	$61.0M	$20.0M
Bank shares tax	13.0M	14.0M	14.0M	14.0M
Other	$125.0M	$108.0M	$94.0M	$74.0M
Total Non-Interest Expense	$1.0B	$961.0M	$915.0M	$826.0M
Income Before Income Taxes	$669.0M	$555.0M	$584.0M	$553.0M
Income taxes	$104.0M	$90.0M	$99.0M	$114.0M
Net Income	$565.0M	$465.0M	$485.0M	$439.0M
Preferred stock dividends	$0	$6.0M	$8.0M	$8.0M
Net Income Available to Common Shareholders	$565.0M	$459.0M	$477.0M	$431.0M
Basic (USD per share)	$1.57	$1.27	$1.32	$1.23
Diluted (USD per share)	$1.56	$1.27	$1.31	$1.22

FNB CORP/PA/ income statement, quarters

Line item	Jun 30, 2026 · Q2	Mar 31, 2026 · Q1	Sep 30, 2025 · Q3	Jun 30, 2025 · Q2
Loans and leases, including fees	$493.0M	$486.0M	$511.0M	$501.0M
Taxable	$64.0M	$61.0M	$60.0M	$57.0M
Tax-exempt	$7.0M	$7.0M	$7.0M	$7.0M
Other	$14.0M	$15.0M	$18.0M	$18.0M
Total Interest Income	$578.0M	$569.0M	$596.0M	$583.0M
Deposits	$169.0M	$169.0M	$188.0M	$181.0M
Short-term borrowings	$19.0M	$18.0M	$18.0M	$20.0M
Long-term borrowings	$24.0M	$23.0M	$31.0M	$34.0M
Total Interest Expense	$212.0M	$210.0M	$237.0M	$235.0M
Net Interest Income	$366.0M	$359.0M	$359.0M	$348.0M
Provision for credit losses	$22.0M	$18.5M	$24.0M	$26.0M
Net Interest Income After Provision for Credit Losses	$344.0M	$341.0M	$335.0M	$322.0M
Service charges	$24.0M	$23.0M	$23.0M	$23.0M
Interchange and card transaction fees	$13.0M	$13.0M	$13.0M	$14.0M
Trust services	$12.0M	$13.0M	$12.0M	$11.0M
Insurance commissions and fees	$6.0M	$6.0M	$5.0M	$5.0M
Securities commissions and fees	$9.0M	$9.0M	$9.0M	$9.0M
Capital markets income	$8.0M	$7.0M	$8.0M	$7.0M
Mortgage banking operations	$6.0M	$6.0M	$9.0M	$6.0M
Dividends on non-marketable equity securities	$7.0M	$6.0M	$6.0M	$6.0M
Bank owned life insurance	$5.0M	$4.0M	$4.0M	$4.0M
Other	$7.0M	$4.0M	$9.0M	$6.0M
Total Non-Interest Income	$97.0M	$91.0M	$98.0M	$91.0M
Salaries and employee benefits	$135.0M	$136.0M	$131.0M	$130.0M
Net occupancy	$20.0M	$23.0M	$19.0M	$19.0M
Equipment	$29.0M	$28.0M	$26.0M	$28.0M
Outside services	$29.0M	$26.0M	$26.0M	$26.0M
Marketing	$4.0M	$4.0M	$5.0M	$5.0M
FDIC insurance	$9.0M	$7.0M	$7.0M	$9.0M
Bank shares tax	4.0M	5.0M	4.0M	4.0M
Other	$23.0M	$29.0M	$25.0M	$26.0M
Total Non-Interest Expense	$253.0M	$258.0M	$243.0M	$247.0M
Income Before Income Taxes	$188.0M	$174.0M	$190.0M	$166.0M
Income taxes	$39.0M	$37.0M	$40.0M	$36.0M
Net Income	$149.0M	$137.0M	$150.0M	$130.0M
Basic (USD per share)	$0.42	$0.38	$0.41	$0.36
Diluted (USD per share)	$0.42	$0.38	$0.41	$0.36

Balance sheet

FNB CORP/PA/ balance sheet, fiscal years

Line item	Dec 31, 2025 · FY	Dec 31, 2024 · FY	Dec 31, 2023 · FY	Dec 31, 2022 · FY
Cash and due from banks	$387.0M	$416.0M	$447.0M	$443.0M
Interest-bearing deposits with banks	$2.1B	$2.0B	$1.1B	$1.2B
Cash and Cash Equivalents	$2.5B	$2.4B	$1.6B	$1.7B
Debt securities available for sale (amortized cost of $3,783 and $3,620; allowance for credit losses of $0 and $0)	$3.7B	$3.5B	$3.3B	$3.3B
Debt securities held to maturity (fair value of $3,941 and $3,644; allowance for credit losses of $0 and $0)	$4.1B	$4.0B	$3.9B	$4.1B
Loans held for sale (includes $514 and $214 measured at fair value (1))	$515.0M	$218.0M	$488.0M	$124.0M
Loans and leases, net of unearned income of $87 and $106 (includes $85 and $53 measured at fair value (1))	$34.8B	$33.9B	$32.3B	$30.3B
Allowance for credit losses on loans and leases	($439.0M)	($423.0M)	($406.0M)	($402.0M)
Net Loans and Leases	$34.3B	$33.5B	$31.9B	$29.9B
Premises and equipment, net	$568.0M	$536.0M	$461.0M	$432.0M
Goodwill	$2.5B	$2.5B	$2.5B	$2.5B
Core deposit and other intangible assets, net	$36.0M	$51.0M	$69.0M	$89.0M
Bank owned life insurance	$667.0M	$660.0M	$660.0M	$653.0M
Other assets	$1.3B	$1.3B	$1.3B	$1.1B
Total Assets	$50.2B	$48.6B	$46.2B	$43.7B
Non-interest-bearing demand	$9.9B	$9.8B	$10.2B	$11.9B
Interest-bearing demand	$18.4B	$16.7B	$14.8B	$15.1B
Savings	$3.1B	$3.2B	$3.5B	$4.1B
Certificates and other time deposits	$7.3B	$7.5B	$6.2B	$3.6B
Total Deposits	$38.8B	$37.1B	$34.7B	$34.8B
Short-term borrowings	$2.0B	$1.3B	$2.5B	$1.4B
Long-term borrowings	$1.9B	$3.0B	$2.0B	$1.1B
Other liabilities	$793.0M	$948.0M	$920.0M	$837.0M
Total Liabilities	$43.5B	$42.3B	$40.1B	$38.1B
Common stock - $0.01 par value Authorized – 500,000,000 shares Issued – 375,030,534 and 375,018,433 shares	4.0M	4.0M	4.0M	4.0M
Additional paid-in capital	$4.7B	$4.7B	$4.7B	$4.7B
Retained earnings	$2.3B	$2.0B	$1.7B	$1.4B
Accumulated other comprehensive loss	($63.0M)	($169.0M)	($235.0M)	($357.0M)
Treasury stock – 17,727,219 and 15,402,776 shares at cost	-220.0M	-180.0M	-187.0M	-167.0M
Total Shareholders’ Equity	$6.8B	$6.3B	$6.0B	$5.7B
Total Liabilities and Shareholders’ Equity	$50.2B	$48.6B	$46.2B	$43.7B

FNB CORP/PA/ balance sheet, quarters

Line item	Jun 30, 2026	Mar 31, 2026	Sep 30, 2025	Jun 30, 2025
Cash and due from banks	$426.0M	$452.0M	$474.0M	$535.0M
Interest-bearing deposits with banks	$1.9B	$2.2B	$1.9B	$1.9B
Cash and Cash Equivalents	$2.4B	$2.7B	$2.4B	$2.4B
Debt securities available for sale (amortized cost of $3,848 and $3,783; allowance for credit losses of $0 and $0)	$3.8B	$3.8B	$3.6B	$3.6B
Debt securities held to maturity (fair value of $4,049 and $3,941; allowance for credit losses of $0 and $0)	$4.3B	$4.2B	$4.0B	$4.1B
Loans held for sale (includes $282 and $514 measured at fair value (1))	$290.0M	$321.0M	$278.0M	$296.0M
Loans and leases, net of unearned income of $84 and $87 (includes $96 and $85 measured at fair value (1))	$35.8B	$35.1B	$35.0B	$34.7B
Allowance for credit losses on loans and leases	($447.0M)	($443.0M)	($437.0M)	($432.0M)
Net Loans and Leases	$35.3B	$34.7B	$34.5B	$34.2B
Premises and equipment, net	$564.0M	$566.0M	$557.0M	$557.0M
Goodwill	$2.5B	$2.5B	$2.5B	$2.5B
Core deposit and other intangible assets, net	$30.0M	$33.0M	$40.0M	$44.0M
Bank owned life insurance	$674.0M	$671.0M	$668.0M	$665.0M
Other assets	$1.3B	$1.3B	$1.3B	$1.3B
Total Assets	$51.0B	$50.6B	$49.9B	$49.7B
Non-interest-bearing	$10.1B	$10.0B	$10.0B	$9.9B
Interest-bearing	$28.6B	$28.9B	—	—
Total Deposits	$38.7B	$38.9B	$38.4B	$37.7B
Short-term borrowings	$2.7B	$2.2B	$1.9B	$1.9B
Long-term borrowings	$2.0B	$2.0B	$2.1B	$2.7B
Other liabilities	$798.0M	$768.0M	$808.0M	$885.0M
Total Liabilities	$44.2B	$43.8B	$43.3B	$43.2B
Common stock - $0.01 par value authorized – 500,000,000 shares issued – 375,030,534 and 375,030,534 shares	4.0M	4.0M	4.0M	4.0M
Additional paid-in capital	$4.7B	$4.7B	$4.7B	$4.7B
Retained earnings	$2.5B	$2.4B	$2.2B	$2.1B
Accumulated other comprehensive loss	($103.0M)	($86.0M)	($77.0M)	($92.0M)
Treasury stock – 21,470,450 and 17,727,219 shares at cost	-292.0M	-252.0M	-202.0M	-191.0M
Total Shareholders’ Equity	$6.8B	$6.8B	$6.6B	$6.5B
Total Liabilities and Shareholders’ Equity	$51.0B	$50.6B	$49.9B	$49.7B

Cash flow statement

FNB CORP/PA/ cash flow statement, fiscal years

Line item	Dec 31, 2025 · FY	Dec 31, 2024 · FY	Dec 31, 2023 · FY	Dec 31, 2022 · FY
Net income	$565.0M	$465.0M	$485.0M	$439.0M
Depreciation, amortization and accretion	$77.0M	$67.0M	$78.0M	$73.0M
Provision for credit losses	$86.0M	$79.8M	$72.0M	$64.2M
Deferred tax expense (benefit)	$46.0M	$45.0M	($6.0M)	$11.0M
Net securities (gains) losses	$0	$34.0M	$67.0M	—
Loans originated for sale	($1.6B)	($1.5B)	($1.1B)	($1.0B)
Loans sold	$1.6B	$1.4B	$1.1B	$1.2B
Net (gains) losses on sale of loans	($18.0M)	($18.0M)	($5.0M)	($38.0M)
Interest receivable	$1.0M	($4.0M)	($34.0M)	($42.0M)
Interest payable	($14.0M)	($5.0M)	$38.0M	$21.0M
Bank owned life insurance, excluding purchases	($7.0M)	$0	($7.0M)	($6.0M)
Other, net	($171.0M)	$42.0M	($222.0M)	$499.0M
Net cash flows provided by (used in) operating activities	$482.0M	$642.0M	$423.0M	$1.2B
Net change in loans and leases, excluding sales and transfers	($1.1B)	($2.1B)	($2.4B)	($2.8B)
Purchases	($931.0M)	($1.3B)	($1.0B)	($880.0M)
Sales	$0	$231.0M	$581.0M	$459.0M
Maturities/payments	$774.0M	$860.0M	$517.0M	$735.0M
Purchases	($541.0M)	($419.0M)	($190.0M)	($1.2B)
Maturities/payments	$413.0M	$358.0M	$369.0M	$569.0M
Increase in premises and equipment	($106.0M)	($139.0M)	($88.0M)	($95.0M)
Net proceeds from sales of portfolio loans	$10.0M	$799.0M	—	—
Other	($2.0M)	—	—	—
Net cash flows provided by (used in) investing activities	($1.5B)	($1.7B)	($2.3B)	($3.1B)
Demand (non-interest-bearing and interest-bearing) and savings accounts	$1.8B	$1.1B	($2.7B)	($108.0M)
Time deposits	($194.0M)	$1.3B	$2.6B	$366.0M
Short-term borrowings	$761.0M	($1.2B)	$1.1B	($179.0M)
Proceeds from issuance of long-term borrowings	$638.0M	$1.4B	$1.2B	$381.0M
Repayment of long-term borrowings	($1.8B)	($341.0M)	($352.0M)	($231.0M)
Redemption of preferred stock	$0	($111.0M)	—	—
Repurchases of common stock	($50.0M)	($3.0M)	($36.0M)	($43.0M)
Preferred stock	$0	($2.0M)	($8.0M)	($8.0M)
Common stock	($174.0M)	($175.0M)	($174.0M)	($171.0M)
Other, net	$10.0M	$12.0M	$8.0M	$11.0M
Net cash flows provided by (used in) financing activities	$1.1B	$1.9B	$1.7B	$18.0M
Net Increase (Decrease) in Cash and Cash Equivalents	$79.0M	$843.0M	($98.0M)	($1.8B)
Cash and cash equivalents at beginning of year	$2.4B	$1.6B	$1.7B	$3.5B
Cash and Cash Equivalents at End of Year	$2.5B	$2.4B	$1.6B	$1.7B

FNB CORP/PA/ cash flow statement, quarters

Line item	Jun 30, 2026 · YTD	Mar 31, 2026 · Q1	Sep 30, 2025 · YTD	Jun 30, 2025 · YTD
Net income	$286.0M	$137.0M	$397.0M	$247.0M
Depreciation, amortization and accretion	$48.0M	$23.0M	$55.0M	$37.0M
Provision for credit losses	$39.8M	$18.5M	$67.1M	$43.1M
Deferred tax expense (benefit)	$6.0M	$7.0M	$17.0M	$8.0M
Loans originated for sale	($910.0M)	($396.0M)	($1.2B)	($770.0M)
Loans sold	$947.0M	$395.0M	$1.2B	$720.0M
Net (gains) losses on sale of loans	($17.0M)	($8.0M)	($12.0M)	($11.0M)
Interest receivable	$20.0M	($1.0M)	($1.0M)	$3.0M
Interest payable	($3.0M)	$5.0M	($3.0M)	($5.0M)
Bank owned life insurance, excluding purchases	($6.0M)	($4.0M)	($7.0M)	($5.0M)
Other, net	($2.0M)	($25.0M)	($116.0M)	($80.0M)
Net cash flows provided by (used in) operating activities	$409.0M	$151.0M	$354.0M	$187.0M
Net change in loans and leases, excluding sales and transfers	($1.0B)	($339.0M)	($1.1B)	($788.0M)
Purchases	($451.0M)	($282.0M)	($625.0M)	($412.0M)
Maturities/payments	$388.0M	$213.0M	$560.0M	$369.0M
Purchases	($363.0M)	($142.0M)	($386.0M)	($297.0M)
Maturities/payments	$232.0M	$78.0M	$324.0M	$166.0M
Increase in premises and equipment	($35.0M)	($18.0M)	($77.0M)	($59.0M)
Net proceeds from sales of portfolio loans	$194.0M	$191.0M	$5.0M	$5.0M
Net cash flows provided by (used in) investing activities	($1.0B)	($299.0M)	($1.3B)	($1.0B)
Deposits	($81.0M)	$142.0M	$1.3B	$628.0M
Short-term borrowings	$664.0M	$139.0M	$649.0M	$620.0M
Proceeds from issuance of long-term borrowings	$109.0M	$105.0M	$529.0M	$317.0M
Repayment of long-term borrowings	($9.0M)	($5.0M)	($1.4B)	($638.0M)
Repurchases of common stock	($82.0M)	($35.0M)	($32.0M)	($20.0M)
Cash dividends paid on common stock	($90.0M)	($43.0M)	($131.0M)	($87.0M)
Other, net	$6.0M	$6.0M	$8.0M	$5.0M
Net cash flows provided by (used in) financing activities	$517.0M	$309.0M	$912.0M	$837.0M
Net Increase (Decrease) in Cash and Cash Equivalents	($123.0M)	$161.0M	($6.0M)	$8.0M
Cash and cash equivalents at beginning of period	$2.5B	$2.5B	$2.4B	$2.4B
Cash and Cash Equivalents at End of Period	$2.4B	$2.7B	$2.4B	$2.4B

FNB CORP/PA/ score and earnings-call analysis · All covered companies

Figures as reported in SEC filings. General information, not investment advice.