FNB CORPPA

For the period ended Dec 31, 2024. Filed Feb 27, 2025.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2024 · Filed Feb 27, 2025

FNB$18.23+1.8%Stored close · as of Nov 9, 2026

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Contents

Glossary of Acronyms and Terms

Acronym	Description	Acronym	Description
ACL	Allowance for credit losses	FTC	Federal Trade Commission
AFS	Available for sale	FTE	Fully taxable equivalent
ALCO	Asset/Liability Committee	FVO	Fair value option
AOCI	Accumulated other comprehensive income	GAAP	U.S. generally accepted accounting principles
ASC	Accounting Standards Codification	GLB Act	Gramm-Leach Bliley Act of 1999
ASU	Accounting Standards Update	HTM	Held to maturity
AULC	Allowance for unfunded loan commitments	Howard	Howard Bancorp, Inc.
BOLI	Bank owned life insurance	HUD	Department of Housing and Urban Development
BHC Act	Bank Holding Company Act of 1956, as amended	IDI	Insured depository institution
CECL	Current expected credit losses	IRLC	Interest rate lock commitment
CET1	Common equity tier 1	LCR	Liquidity Coverage Ratio
CFPB	Consumer Financial Protection Bureau	LGD	Loss given default
CRA	Community Reinvestment Act of 1977	LIHTC	Low income housing tax credit
DIF	Deposit Insurance Fund	MBS	Mortgage-backed securities
Dodd-FrankAct	Dodd-Frank Wall Street Reform and ConsumerProtection Act of 2010	MCH	Months of Cash on Hand
DOJ	U.S. Department of Justice	MD&A	Management's Discussion and Analysis of FinancialCondition and Results of Operations
DTA	Deferred tax asset	MSRs	Mortgage servicing rights
DTL	Deferred tax liability	NYSE	New York Stock Exchange
ECOA	Equal Credit Opportunity Act	OCI	Other comprehensive income
ERISA	Employee Retirement Income Security Act of 1974	OCC	Office of the Comptroller of the Currency
EVE	Economic value of equity	OREO	Other real estate owned
FASB	Financial Accounting Standards Board	PCD	Purchase credit deteriorated
FDI Act	Federal Deposit Insurance Act	Penn-Ohio	Penn-Ohio Life Insurance Company
FDIC	Federal Deposit Insurance Corporation	RRR	Reference rate reform
FDICIA	Federal Deposit Insurance CorporationImprovement Act of 1991	R&S	Reasonable and supportable
FHLB	Federal Home Loan Bank	SBA	Small Business Administration
FICO	Fair Isaac Corporation	SEC	Securities and Exchange Commission
FINRA	Financial Industry Regulatory Authority	SOFR	Secured Overnight Financing Rate
FNB	F.N.B. Corporation	TILA	Truth in Lending Act
FNBIA	F.N.B. Investment Advisors, Inc.	TPS	Trust preferred securities
FNBPA	First National Bank of Pennsylvania	Union	UB Bancorp
FNIA	First National Insurance Agency, LLC	U.S.	United States of America
FNTC	First National Trust Company	UST	U.S. Department of the Treasury
FOMC	Federal Open Market Committee	VIE	Variable interest entity
FRB	Board of Governors of the Federal ReserveSystem

PART I

Forward-Looking Statements: From time to time F.N.B. Corporation has made and may continue to make written or oral forward-looking statements with respect to our outlook or expectations for earnings, revenues, expenses, capital and liquidity levels, asset quality or other future financial or business performance, strategies or expectations, or the impact of legal, regulatory or supervisory matters on our business operations or performance. This Annual Report on Form 10-K (the Report) also includes forward-looking statements. See Cautionary Statement Regarding Forward-Looking Information in Item 7 of this Report.

The terms “FNB,” “the Corporation,” “we,” “us” and “our” throughout this Report mean F.N.B. Corporation and its subsidiaries, when appropriate.

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.