FNB CORP/PA/
For the period ended Sep 30, 2025. Filed Nov 5, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 5, 2025
FNB$18.24+0.1%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Statements of Income
(Dollars in millions, except per share data)
| Three Months EndedSeptember 30, | Nine Months EndedSeptember 30, | |||
|---|---|---|---|---|
| 2025 | 2024 | 2025 | 2024 | |
| Interest Income | ||||
| Loans and leases, including fees | $511 | $516 | $1,492 | $1,491 |
| Investment Securities: | ||||
| Taxable | 60 | 48 | 172 | 142 |
| Tax-exempt | 7 | 7 | 21 | 21 |
| Other | 18 | 12 | 53 | 29 |
| Total Interest Income | 596 | 583 | 1,738 | 1,683 |
| Interest Expense | ||||
| Deposits | 188 | 199 | 555 | 549 |
| Short-term borrowings | 18 | 30 | 52 | 90 |
| Long-term borrowings | 31 | 31 | 101 | 86 |
| Total Interest Expense | 237 | 260 | 708 | 725 |
| Net Interest Income | 359 | 323 | 1,030 | 958 |
| Provision for credit losses | 24 | 23 | 67 | 57 |
| Net Interest Income After Provision for Credit Losses | 335 | 300 | 963 | 901 |
| Non-Interest Income | ||||
| Service charges | 23 | 24 | 68 | 68 |
| Interchange and card transaction fees | 13 | 13 | 39 | 39 |
| Trust services | 12 | 11 | 36 | 34 |
| Insurance commissions and fees | 5 | 5 | 16 | 18 |
| Securities commissions and fees | 9 | 8 | 27 | 24 |
| Capital markets income | 8 | 6 | 20 | 17 |
| Mortgage banking operations | 9 | 5 | 22 | 20 |
| Dividends on non-marketable equity securities | 6 | 7 | 18 | 20 |
| Bank owned life insurance | 4 | 6 | 13 | 13 |
| Other | 9 | 4 | 18 | 12 |
| Total Non-Interest Income | 98 | 89 | 277 | 265 |
| Non-Interest Expense | ||||
| Salaries and employee benefits | 131 | 126 | 396 | 376 |
| Net occupancy | 19 | 22 | 58 | 61 |
| Equipment | 26 | 24 | 80 | 72 |
| Outside services | 26 | 24 | 78 | 70 |
| Marketing | 5 | 6 | 15 | 15 |
| FDIC insurance | 7 | 10 | 24 | 33 |
| Bank shares and franchise taxes | 4 | 4 | 12 | 12 |
| Other | 25 | 33 | 73 | 74 |
| Total Non-Interest Expense | 243 | 249 | 736 | 713 |
| Income Before Income Taxes | 190 | 140 | 504 | 453 |
| Income taxes | 40 | 30 | 107 | 98 |
| Net Income | 150 | 110 | 397 | 355 |
| Preferred stock dividends | — | — | — | 6 |
| Net Income Available to Common Shareholders | $150 | $110 | $397 | $349 |
| Earnings per Common Share | ||||
| Basic | $0.41 | $0.30 | $1.10 | $0.97 |
| Diluted | 0.41 | 0.30 | 1.09 | 0.96 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.