FNB Corp
fnb-online.comWhat Do They Do?
Provides commercial and consumer banking services, wealth management and insurance to consumers, businesses and governments.
10-K for FY2025, filed Feb 24, 2026We are a Pennsylvania corporation, a bank holding company and a financial holding company. We are incorporated under the laws of the…View ↗
Our Community Banking segment consists of FNBPA, which offers commercial and consumer banking services. Commercial banking solutions…View ↗
Our Wealth Management segment delivers wealth management services to individuals, corporations and retirement funds, including existing…View ↗
Our Insurance segment operates principally through FNIA, which is a subsidiary of FNB. FNIA is a full-service insurance brokerage agency…View ↗
How Do They Make Money?
The bank charges published fees for deposit services as those services are provided. Wealth advisory and trust customers are invoiced monthly; insurance commissions are based on premiums customers pay carriers.
10-K for FY2025, filed Feb 24, 2026Deposit Services. We recognize revenue on deposit services based on published fees for services provided. Demand and savings deposit…View ↗
Wealth Management Services. Wealth advisory and trust services are provided on a month-to-month basis and invoiced as services are…View ↗
Insurance Services. Insurance services include full-service insurance brokerage services offering numerous lines of commercial and personal…View ↗
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10-K for FY2025, filed Feb 24, 2026
FY2025 revenue by reportable segment ↗
$2.3B
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10-K for FY2025, filed Feb 24, 2026
$2.3B ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Community Banking
Usage-based
10-K for FY2025, filed Feb 24, 2026 |
100%
FY2022: 100%
|
Community Banking, FY2025
$2.3B Sources
|
Usage-based |
|
Wealth Manage- ment
Recurring
|
0.0%
FY2022: 0.0%
|
Wealth Manage- ment, FY2025
$0 Sources
|
Recurring |
|
Insurance
Sold outright
|
0.0%
FY2022: 0.0%
|
Insurance, FY2025
$0 Sources
|
Sold outright |
Who Are Their Customers?
Individuals, businesses and public entities use FNB’s subsidiary network for commercial and consumer banking through branches and digital channels; wealth services are for individuals, corporations and retirement funds, with investment products offered through a third-party brokerage firm.
10-K for FY2025, filed Feb 24, 2026We are a Pennsylvania corporation, a bank holding company and a financial holding company. We are incorporated under the laws of the…View ↗
Our Community Banking segment consists of FNBPA, which offers commercial and consumer banking services. Commercial banking solutions…View ↗
Our Wealth Management segment delivers wealth management services to individuals, corporations and retirement funds, including existing…View ↗
Our Wealth Management segment also includes another subsidiary, First National Investment Services Company, LLC, which offers a broad array…View ↗
The ability to deploy and use technology effectively is an important competitive factor in the financial services industry. Technology is…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 24 cents of every revenue dollar as net income in FY2025 and turned 16 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 5, 2026
Open tableView ↗
Growing. Revenue grew 2.3x in 4 years, from $1B in FY2021 to $2.3B in FY2025, about 23% a year.
Investment-advisory services
The older report describes a registered investment adviser offering comprehensive investment programs; the latest says the advisory business ceased and client accounts moved to the trust company.
10-K for FY2022, filed Feb 24, 2023 10-K for FY2025, filed Feb 24, 2026Our Wealth Management segment also includes two other subsidiaries. First National Investment Services Company, LLC offers a broad array of…View ↗
FNBIA was a subsidiary of FNTC that was registered as an investment adviser with the SEC and subject to the Investment Advisers Act of 1940…View ↗
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