F.N.B. Corporation Surveillance Report

Company Profile

F.N.B. Corporation (NYSE: FNB) (“the company”), the bank holding company for primary subsidiary First National Bank of Pennsylvania (est. 1864), is a diversified financial services company, headquartered in Pittsburgh, PA with 350+ banking offices primarily located across Pennsylvania, North Carolina and the Baltimore-Washington, D.C. and Cleveland metro regions. FNB provides a full range of commercial and consumer banking services mix that includes trust/wealth management, capital markets, corporate and small business banking, treasury management, residential mortgage banking, and insurance.
The loan portfolio is rather well-diversified with residential mortgages and C&I loans (including owner-occupied CRE and leases) accounting for the largest concentrations, comprising 37% and 31% of the portfolio, respectively, at 2Q25. FNB’s investor CRE concentration was relatively modest, tracking below 200% of risk-based capital, comprising 27% of total…

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