F.N.B. Corporation (NYSE: FNB) (“the company”), bank holding company for primary subsidiary, First National Bank of Pennsylvania (“the bank”) (est. 1864), is a diversified financial services company, headquartered in Pittsburgh, PA with 350+ banking offices primarily located across parts of seven states and Washington, D.C., with a meaningful presence throughout its operating markets. FNB’s services mix includes trust/wealth management, capital markets, commercial banking, treasury management, residential mortgage banking, insurance, consumer and digital banking.
The loan portfolio is rather well-diversified with residential mortgages and C&I loans (including owner-occupied CRE and leases) the largest concentrations, comprising 39% and 31%, respectively, at 2Q26. FNB’s investor CRE concentration was relatively modest, tracking below 200% of risk-based capital, comprising 24% of total loans (including multi-family and C&D loans). The consumer…
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