**F.N.B. Corporation Reports Record Revenue and Earnings Growth in 2025**
F.N.B. Corporation (NYSE: FNB) reported a net income available to common shareholders of $565.4 million, or $1.56 per diluted common share, for the year ended December 31, 2025. This represents a 22.8% increase compared to the $459.3 million, or $1.27 per diluted common share, reported for the previous year. On an operating basis, earnings per diluted common share (non-GAAP) reached $1.59, excluding $0.03 per diluted common share of significant items impacting earnings. The company's total revenue reached a record $1.8 billion, a 10.5% increase from $1.6 billion in 2024.
The company's net interest income increased by 9.0% to $1.4 billion, driven by growth in average earning assets and lower interest-bearing deposit and borrowing costs. The net interest margin (FTE) (non-GAAP) also saw an increase of 10 basis points, reaching 3.19%. Non-interest income reached a record $369.3 million, a 16.7% increase compared to the previous year. Excluding a $34.0 million realized loss on an investment securities restructuring in 2024, operating non-interest income (non-GAAP) increased by 5.4%. The company's non-interest expense totaled $1.0 billion, with operating non-interest expense (non-GAAP) increasing by 5.6% when excluding significant items.
Key balance sheet developments included a 3.3% increase in total assets to $50.2 billion, driven by loan growth of $838.3 million and increased investment securities of $398.3 million. Total deposits increased by 4.5% to $38.8 billion, with interest-bearing demand deposits leading the growth. The ratio of loans to deposits improved to 89.7%. The company's asset quality remained solid, with non-performing loans plus OREO to total loans and leases plus OREO decreasing 17 basis points to 0.31%. The allowance for credit losses on loans and leases totaled $439 million, representing 1.26% of total loans and leases.
Looking ahead, the company's strategic focus remains on diversifying revenue streams, optimizing capital allocation, and maintaining a resilient loan portfolio. F.N.B. Corporation also plans to continue investing in technology, artificial intelligence, and data analytics to drive automation, efficiency, and enhance the customer experience. The company's commitment to promoting equity and economic prosperity in the markets it serves remains a priority.
About FNB CORP/PA/
F.N.B. Corporation is a diversified financial holding company providing banking, wealth management, and insurance services. Through its subsidiaries, it serves consumers, small- to medium-sized businesses, and institutions across multiple states. Its core offerings include community banking, trust and investment management, and insurance brokerage, emphasizing community orientation, technological innovation, and strong regulatory compliance to deliver tailored financial solutions.
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