FNB reported FY 2025 net income available to common shareholders of USD 565.4 million and diluted EPS of USD 1.56. Total revenue was a record USD 1.8 billion (+10.5%), including net interest income of USD 1.4 billion (+9.0%) and record non-interest income of USD 369.3 million (+16.7%). Net interest margin (FTE) was 3.19% (up 10 basis points), while the provision for credit losses was USD 86.0 million. Non-interest expense was USD 1.0 billion (+5.0%), and the efficiency ratio (non-GAAP) was 54.8% (from 55.6%). The effective tax rate was 15.5% (from 16.3%). At December 31, 2025, total assets were USD 50.2 billion (+3.3%), loans and leases were USD 34.8 billion (+2.5%), and deposits were USD 38.8 billion (+4.5%), with a loan-to-deposit ratio of 89.7% (from 91.5%). FNB ended the year with a CET1 capital ratio of 11.36% and repurchased USD 50.0 million of common stock (3.3 million shares) at a weighted average price of USD 14.92. The company also recorded a USD 20.0 million contribution to the FNB Foundation (pre-tax) and recognized USD 37.2 million of investment tax credits in Q4 2025 tied to a renewable energy project financing transaction within its equipment finance strategy. Non-accrual loans were USD 105.2 million at year-end, and the ACL on loans and leases was USD 439.5 million (1.26% of total loans and leases), with non-performing loan coverage of 418%.
Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. FNB Corporation published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0000037808-26-000007), on February 24, 2026, and is solely responsible for the information contained therein.
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