F.N.B. Corporation (NYSE: FNB) is a bank holding company that operates through First National Bank of Pennsylvania and affiliated subsidiaries to provide commercial and retail banking, wealth management, insurance, and mortgage banking services. It earns revenue primarily through net interest income on loans and deposits, supplemented by non-interest income from fee-based services including mortgage banking, insurance, and wealth management. FNB is a regional bank competing in the mid-Atlantic and broader northeastern United States markets. The company is registered on the New York Stock Exchange under the ticker FNB and qualifies as a well-known seasoned issuer, as disclosed in its 10-K filed February 24, 2026. Subsidiaries referenced in the filing include First National Trust Company (FNTC), which supports trust and wealth management activities. FNB pays dividends and operates as an insured depository institution subject to oversight from the Federal Reserve Board, CFPB, FDIC, and other regulators.

Revenue model

Net interest income from the spread between loan yields and deposit funding costs, supplemented by non-interest income from mortgage banking, insurance, wealth management fees, and other transactional services.

Products and services

Commercial banking, retail banking, mortgage banking, mortgage servicing rights (MSRs), wealth management, trust services through First National Trust Company (FNTC), insurance, bank-owned life insurance (BOLI), and low income housing tax credit (LIHTC) investments.

Customers and end markets

Consumer and commercial banking customers in regional U.S. markets. End markets include residential real estate, commercial real estate, commercial and industrial lending, and retail deposit-gathering.

Value-chain role

Regional bank holding company and insured depository institution. Originates, holds, and services loans; gathers retail and commercial deposits; distributes financial services including insurance and wealth management through subsidiaries.

Geographic exposure

Mid-Atlantic and northeastern United States, based on subsidiary structure and regulatory filings. Specific state-level breakdown not supported by the provided excerpts.

Source: SEC 10-K, filed 2026-02-24

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