F.N.B. Corporation reported a net income of $130.7 million for the second quarter of 2025, translating to earnings of $0.36 per diluted share, a 5.9% increase from $123.0 million, or $0.34 per diluted share, in the same period last year. The company achieved record revenue of $438.2 million, a 6.5% increase from the previous quarter, primarily driven by a rise in net interest income, which reached $347.2 million, up 9.9% from the prior quarter. The net interest margin improved to 3.19%, reflecting higher yields on earning assets and a lower cost of funds.
Compared to the previous fiscal period, F.N.B. Corporation's total loans and leases increased by $740 million, or 2.2%, to $34.7 billion as of June 30, 2025. This growth was supported by a $609 million increase in residential mortgages and a $706 million rise in consumer loans. The company also reported a decrease in non-performing loans, which fell by 26.4% to $117 million, indicating effective credit risk management. The allowance for credit losses on loans and leases rose to $432.1 million, reflecting proactive measures in response to loan growth and net charge-off activity.
Strategically, F.N.B. Corporation has focused on enhancing its market presence through various initiatives, including the expansion of its Community Uplift mortgage assistance program, which aligns with its commitment to underserved communities. The company also repurchased 725,000 shares of common stock during the quarter, reflecting its ongoing capital management strategy. As of June 30, 2025, F.N.B. had a total of 359.1 million shares outstanding.
Operationally, F.N.B. Corporation maintained a strong capital position, with a Common Equity Tier 1 (CET1) capital ratio of 10.8% and a tangible common equity to tangible assets ratio of 8.5%. The company reported a stable loan-to-deposit ratio of 92% and a solid liquidity position, with approximately 77% of deposits insured or collateralized. Looking ahead, F.N.B. Corporation anticipates continued growth in its loan and deposit portfolios, supported by its diverse geographic footprint and strategic initiatives aimed at enhancing customer relationships.
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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