FNB CORP/PA/

For the period ended Dec 31, 2025. Filed Feb 24, 2026.

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.

FY2025 · Filed Feb 24, 2026

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

Extracted filing text, with the paragraph anchors used by the comparison.

See the whole filing, with its images and exhibits

Contents

Glossary of Acronyms and Terms

Acronym	Description	Acronym	Description
ACL	Allowance for credit losses	FNTC	First National Trust Company
AFS	Available for sale	FOMC	Federal Open Market Committee
AI	Artificial intelligence	FRB	Board of Governors of the Federal ReserveSystem
ALCO	Asset/Liability Committee	FTC	Federal Trade Commission
AOCI	Accumulated other comprehensive income	FTE	Fully taxable equivalent
ASC	Accounting Standards Codification	FVO	Fair value option
ASU	Accounting Standards Update	GAAP	U.S. generally accepted accounting principles
AULC	Allowance for unfunded loan commitments	GLB Act	Gramm-Leach Bliley Act of 1999
BHC Act	Bank Holding Company Act of 1956, as amended	GSE	Government-sponsored enterprises
BOLI	Bank owned life insurance	HTM	Held to maturity
BSA	Bank Secrecy Act of 1970	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
CMO	Collateralized mortgage obligations	LIHTC	Low income housing tax credit
CRA	Community Reinvestment Act of 1977	MBS	Mortgage-backed securities
DIF	Deposit Insurance Fund	MCH	Months of Cash on Hand
Dodd-FrankAct	Dodd-Frank Wall Street Reform and ConsumerProtection Act of 2010	MD&A	Management's Discussion and Analysis of FinancialCondition and Results of Operations
DOJ	U.S. Department of Justice	MSRs	Mortgage servicing rights
DTA	Deferred tax asset	NYSE	New York Stock Exchange
DTL	Deferred tax liability	OCI	Other comprehensive income
ECOA	Equal Credit Opportunity Act	OCC	Office of the Comptroller of the Currency
ERISA	Employee Retirement Income Security Act of 1974	OREO	Other real estate owned
ERM Framework	Enterprise-wide risk management framework	PCD	Purchase credit deteriorated
EVE	Economic value of equity	Penn-Ohio	Penn-Ohio Life Insurance Company
FASB	Financial Accounting Standards Board	R&S	Reasonable and supportable
FDI Act	Federal Deposit Insurance Act	SBA	Small Business Administration
FDIC	Federal Deposit Insurance Corporation	SEC	Securities and Exchange Commission
FDICIA	Federal Deposit Insurance CorporationImprovement Act of 1991	SOFR	Secured Overnight Financing Rate
FHLB	Federal Home Loan Bank	TPS	Trust preferred securities
FNB	F.N.B. Corporation	U.S.	United States of America
FNBIA	F.N.B. Investment Advisors, Inc.	UST	U.S. Department of the Treasury
FNBPA	First National Bank of Pennsylvania	VIE	Variable interest entity
FNIA	First National Insurance Agency, LLC

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.