FNB CORP/PA/ company profile

Overview

F.N.B. Corporation is a diversified financial-services company headquartered in Pittsburgh, Pennsylvania, with regional community banking as its core business. Its operations include commercial and consumer banking, wealth management and insurance, delivered through three reportable segments: Community Banking, Wealth Management and Insurance.[1][2]

FNB serves customers across seven states and the District of Columbia, with significant markets including Pittsburgh, Baltimore, Cleveland, Washington, D.C., North Carolina and Charleston, South Carolina. Its banking services include business and consumer deposits and lending, treasury management, mortgages, capital markets and equipment finance; its other businesses provide fiduciary and investment services and insurance brokerage.[2][3]

The company’s official materials emphasize personal service to help individuals and businesses achieve their financial goals. The First National Bank of Pennsylvania, FNB’s largest affiliate, was founded in 1864.[4][3]

FNB reported $1.8 billion in total revenue for 2025 and had more than 4,550 employees, according to its 2025 annual report. In the second quarter of 2026, it reported $51.0 billion in assets and 355 branches.[5] [1]

Products & services

F.N.B. Corporation’s product range includes consumer deposits, lending, payments, wealth management, and insurance. Personal checking accounts include eStyle, Student, Freestyle, Lifestyle, Workplace First, and Premierstyle; savings offerings include savings and money-market accounts, certificates of deposit, IRA savings, and health savings accounts. Its personal credit-card lineup includes SmartCash, SmartRate, SmartSecured, SmartRewards, and Penguins Cash Back. Online and mobile banking features include account access, transfers, bill payment, mobile check deposit, debit-card controls, and Zelle.

For businesses, FNB offers corporate and small-business banking, commercial lending, investment-real-estate financing, capital-markets services, and equipment financing through Bank Capital Services, which provides loans and leases for new or used equipment. Treasury-management services support payments, collections, reporting, and cash management; named collection tools include remote check deposit, lockbox, cash vault, ACH debit origination, merchant services, and deposit reconcilement. Business Online Banking provides around-the-clock access, ACH and wire transfers, and data export.

Wealth offerings include personal and corporate fiduciary services through First National Trust Company, including administration of estates and trusts; trust assets under administration were approximately $14.9 billion at December 31, 2025. First National Investment Services Company provides investment products and services through a third-party licensed brokerage relationship. The insurance business offers commercial and personal insurance brokerage through major carriers, as well as title insurance. FNB’s 2025 annual report reports income across fee categories and business segments, but does not provide revenue percentages for individual named products. [2]

Geographic presence

F.N.B. Corporation is headquartered in Pittsburgh, Pennsylvania, and operates across seven states—Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina and Virginia—and Washington, D.C. Its stated metropolitan markets include Pittsburgh, Baltimore, Cleveland, Washington, D.C., Charlotte, Raleigh, Durham, the Piedmont Triad in North Carolina, and Charleston, South Carolina. The company says its loans and leases principally serve individuals and small- and medium-sized businesses in these primary markets.[23]

As of June 30, 2026, FNB reported 355 branches across its operating footprint. The latest state-by-state breakdown located, for year-end 2025, was Pennsylvania 185, Ohio 28, Maryland 30, West Virginia 2, North Carolina 95, South Carolina 7, Virginia 7 and Washington, D.C. 1.[24][26] Geographic revenue by state, region or country and employee distribution by geography were not identified in the reviewed reporting materials.[27] [23]

Business segments

FNB reports three business segments: Community Banking, its regional banking business; Wealth Management, comprising a federally chartered trust company and broker-dealer services provided through a third-party arrangement; and Insurance, an insurance agency and reinsurer. The company continued to report these segments in its Q2 2026 filing.[1][30]

For 2025, approximate contributions calculated from segment net interest income plus non-interest income were Community Banking $1.709 billion (96.8% of consolidated revenue on that basis), Wealth Management $84 million (4.8%), and Insurance $20 million (1.1%). These percentages use consolidated net interest income plus non-interest income of $1.765 billion as the denominator; Parent and Other contributed negative $48 million, so the three operating-segment percentages total more than 100%.[15][31]

FNB investor materials also group revenue activities as retail and commercial banking, capital markets, wealth management, and insurance; this is an alternate business-category presentation rather than the three reportable segments disclosed in the 10-K.[32] [1]

Company history

First National Bank traces its origins to 1864, when it began in West Greenville, Pennsylvania. F.N.B. Corporation was established as a financial-services holding company in 1974; the bank took the name First National Bank of Pennsylvania in 1992. In 1998, the company established First National Insurance Agency and F.N.B. Wealth Management.[33]

FNB expanded through acquisitions, completing 14 between 2005 and 2016; notable transactions included Comm Bancorp in 2011, Parkvale Financial in 2012, and BCSB Bancorp and OBA Financial Services in 2014.[33][34] The company moved its corporate headquarters to Pittsburgh in 2014 and agreed to merge with Metro Bancorp in 2015.[33][35] Vincent J. Delie, Jr. became CEO in 2012 and Chairman in 2017.[36] FNB completed its merger with Yadkin Financial in 2017, followed by acquisitions of Howard Bancorp and UB Bancorp in 2022.[37] [33]

Continue your research

From company context to financial detail.

Explore original sources and worldwide fundamental financial data and intelligence with Finbar.

Explore FNB CORP/PA/ in Finbar ↗

FNB CORP/PA/