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v3.25.3

BUSINESS SEGMENTS (Tables) | 9 Months Ended
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Sep. 30, 2025
Segment Reporting [Abstract] |
Schedule of Financial Information for Segments of FNB | The following table provides financial information for these segments of FNB. The information provided under the caption “Parent and Other” represents operations not considered to be reportable segments and/or general operating expenses of FNB, and includes the parent company, other non-bank subsidiaries and eliminations and adjustments to reconcile to the Consolidated Financial Statements. TABLE 17.1
(in millions) | Community Banking |  | Wealth Management |  | Insurance |  | Parent and Other |  | Consolidated
At or for the Three Months Ended September 30, 2025 |  |  |  |  |  |  |  |
Interest income | $ | 595 |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | 596 |
Interest expense | 225 |  |  | — |  |  | — |  |  | 12 |  |  | 237 |
Net interest income (loss) | 370 |  |  | — |  |  | — |  |  | (11) |  |  | 359 |
Provision for credit losses | 24 |  |  | — |  |  | — |  |  | — |  |  | 24 |
Non-interest income: |  |  |  |  |  |  |  |  |
Service charges | 23 |  |  | — |  |  | — |  |  | — |  |  | 23 |
Interchange and card transaction fees | 13 |  |  | — |  |  | — |  |  | — |  |  | 13 |
Trust services | — |  |  | 12 |  |  | — |  |  | — |  |  | 12 |
Insurance commissions and fees | — |  |  | — |  |  | 5 |  |  | — |  |  | 5 |
Securities commissions and fees | — |  |  | 9 |  |  | — |  |  | — |  |  | 9 |
Capital markets income | 6 |  |  | — |  |  | — |  |  | 2 |  |  | 8 |
Mortgage banking operations | 9 |  |  | — |  |  | — |  |  | — |  |  | 9 |
Other | 22 |  |  | — |  |  | — |  |  | (3) |  |  | 19 |
Total non-interest income | 73 |  |  | 21 |  |  | 5 |  |  | (1) |  |  | 98 |
Non-interest expense: |  |  |  |  |  |  |  |  |
Salaries and employee benefits | 117 |  |  | 11 |  |  | 3 |  |  | — |  |  | 131 |
Other | 102 |  |  | 3 |  |  | 2 |  |  | 5 |  |  | 112 |
Total non-interest expense | 219 |  |  | 14 |  |  | 5 |  |  | 5 |  |  | 243 |
Income tax expense (benefit) | 42 |  |  | 2 |  |  | — |  |  | (4) |  |  | 40 |
Net income (loss) | $ | 158 |  |  | $ | 5 |  |  | $ | — |  |  | $ | (13) |  |  | $ | 150 |
Total assets | $ | 49,547 |  |  | $ | 47 |  |  | $ | 31 |  |  | $ | 264 |  |  | $ | 49,889 |
Total loans and leases | 34,911 |  |  | — |  |  | — |  |  | 46 |  |  | 34,957 |
Total deposits | 38,894 |  |  | — |  |  | — |  |  | (453) |  |  | 38,441 |
Market value of assets under administration - FNBIA, FNTC and FNIS (1) | — |  |  | 14,885 |  |  | — |  |  | — |  |  | 14,885 |
(in millions) | Community Banking |  | Wealth Management |  | Insurance |  | Parent and Other |  | Consolidated
At or for the Three Months Ended September 30, 2024 |  |  |  |  |  |  |  |
Interest income | $ | 582 |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | 583 |
Interest expense | 252 |  |  | — |  |  | — |  |  | 8 |  |  | 260 |
Net interest income (loss) | 330 |  |  | — |  |  | — |  |  | (7) |  |  | 323 |
Provision for credit losses | 23 |  |  | — |  |  | — |  |  | — |  |  | 23 |
Non-interest income: |  |  |  |  |  |  |  |  |
Service charges | 24 |  |  | — |  |  | — |  |  | — |  |  | 24 |
Interchange and card transaction fees | 13 |  |  | — |  |  | — |  |  | — |  |  | 13 |
Trust services | — |  |  | 11 |  |  | — |  |  | — |  |  | 11 |
Insurance commissions and fees | — |  |  | — |  |  | 5 |  |  | — |  |  | 5 |
Securities commissions and fees | — |  |  | 8 |  |  | — |  |  | — |  |  | 8 |
Capital markets income | 5 |  |  | — |  |  | — |  |  | 1 |  |  | 6 |
Mortgage banking operations | 5 |  |  | — |  |  | — |  |  | — |  |  | 5 |
Other | 20 |  |  | — |  |  | — |  |  | (3) |  |  | 17 |
Total non-interest income | 67 |  |  | 19 |  |  | 5 |  |  | (2) |  |  | 89 |
Non-interest expense: |  |  |  |  |  |  |  |  |
Salaries and employee benefits | 112 |  |  | 11 |  |  | 4 |  |  | (1) |  |  | 126 |
Other | 114 |  |  | 2 |  |  | 1 |  |  | 6 |  |  | 123 |
Non-interest expense | 226 |  |  | 13 |  |  | 5 |  |  | 5 |  |  | 249 |
Income tax expense (benefit) | 32 |  |  | 1 |  |  | — |  |  | (3) |  |  | 30 |
Net income (loss) | $ | 116 |  |  | $ | 5 |  |  | $ | — |  |  | $ | (11) |  |  | $ | 110 |
Total assets | $ | 47,662 |  |  | $ | 41 |  |  | $ | 32 |  |  | $ | 241 |  |  | $ | 47,976 |
Total loans and leases | 33,671 |  |  | — |  |  | — |  |  | 46 |  |  | 33,717 |
Total deposits | 37,112 |  |  | — |  |  | — |  |  | (341) |  |  | 36,771 |
Market value of assets under administration - FNBIA, FNTC and FNIS (1) | — |  |  | 14,115 |  |  | — |  |  | — |  |  | 14,115 |
(in millions) | Community Banking |  | Wealth Management |  | Insurance |  | Parent and Other |  | Consolidated
At or for the Nine Months Ended September 30, 2025 |  |  |  |  |  |  |  |
Interest income | $ | 1,734 |  |  | $ | — |  |  | $ | — |  |  | $ | 4 |  |  | $ | 1,738 |
Interest expense | 667 |  |  | — |  |  | — |  |  | 41 |  |  | 708 |
Net interest income (loss) | 1,067 |  |  | — |  |  | — |  |  | (37) |  |  | 1,030 |
Provision for credit losses | 67 |  |  | — |  |  | — |  |  | — |  |  | 67 |
Non-interest income: |  |  |  |  |  |  |  |  |
Service charges | 68 |  |  | — |  |  | — |  |  | — |  |  | 68 |
Interchange and card transaction fees | 39 |  |  | — |  |  | — |  |  | — |  |  | 39 |
Trust services | — |  |  | 36 |  |  | — |  |  | — |  |  | 36 |
Insurance commissions and fees | — |  |  | — |  |  | 16 |  |  | — |  |  | 16 |
Securities commissions and fees | — |  |  | 27 |  |  | — |  |  | — |  |  | 27 |
Capital markets income | 16 |  |  | — |  |  | — |  |  | 4 |  |  | 20 |
Mortgage banking operations | 22 |  |  | — |  |  | — |  |  | — |  |  | 22 |
Other | 57 |  |  | — |  |  | — |  |  | (8) |  |  | 49 |
Total non-interest income | 202 |  |  | 63 |  |  | 16 |  |  | (4) |  |  | 277 |
Non-interest expense: |  |  |  |  |  |  |  |  |
Salaries and employee benefits | 352 |  |  | 32 |  |  | 11 |  |  | 1 |  |  | 396 |
Other | 306 |  |  | 10 |  |  | 4 |  |  | 20 |  |  | 340 |
Total non-interest expense | 658 |  |  | 42 |  |  | 15 |  |  | 21 |  |  | 736 |
Income tax expense (benefit) | 116 |  |  | 5 |  |  | — |  |  | (14) |  |  | 107 |
Net income (loss) | $ | 428 |  |  | $ | 16 |  |  | $ | 1 |  |  | $ | (48) |  |  | $ | 397 |
Total assets | $ | 49,547 |  |  | $ | 47 |  |  | $ | 31 |  |  | $ | 264 |  |  | $ | 49,889 |
Total loans and leases | 34,911 |  |  | — |  |  | — |  |  | 46 |  |  | 34,957 |
Total deposits | 38,894 |  |  | — |  |  | — |  |  | (453) |  |  | 38,441 |
Market value of assets under administration - FNBIA, FNTC and FNIS (1) | — |  |  | 14,885 |  |  | — |  |  | — |  |  | 14,885 |
(in millions) | Community Banking |  | Wealth Management |  | Insurance |  | Parent and Other |  | Consolidated
At or for the Nine Months Ended September 30, 2024 |  |  |  |  |  |  |  |
Interest income | $ | 1,679 |  |  | $ | — |  |  | $ | — |  |  | $ | 4 |  |  | $ | 1,683 |
Interest expense | 703 |  |  | — |  |  | — |  |  | 22 |  |  | 725 |
Net interest income (loss) | 976 |  |  | — |  |  | — |  |  | (18) |  |  | 958 |
Provision for credit losses | 57 |  |  | — |  |  | — |  |  | — |  |  | 57 |
Non-interest income: |  |  |  |  |  |  |  |  |
Service charges | 68 |  |  | — |  |  | — |  |  | — |  |  | 68 |
Interchange and card transaction fees | 39 |  |  | — |  |  | — |  |  | — |  |  | 39 |
Trust services | — |  |  | 34 |  |  | — |  |  | — |  |  | 34 |
Insurance commissions and fees | — |  |  | — |  |  | 18 |  |  | — |  |  | 18 |
Securities commissions and fees | — |  |  | 24 |  |  | — |  |  | — |  |  | 24 |
Capital markets income | 15 |  |  | — |  |  | — |  |  | 2 |  |  | 17 |
Mortgage banking operations | 20 |  |  | — |  |  | — |  |  | — |  |  | 20 |
Other | 52 |  |  | — |  |  | — |  |  | (7) |  |  | 45 |
Total non-interest income | 194 |  |  | 58 |  |  | 18 |  |  | (5) |  |  | 265 |
Non-interest expense: |  |  |  |  |  |  |  |  |
Salaries and employee benefits | 332 |  |  | 33 |  |  | 11 |  |  | — |  |  | 376 |
Other | 313 |  |  | 7 |  |  | 4 |  |  | 13 |  |  | 337 |
Total non-interest expense | 645 |  |  | 40 |  |  | 15 |  |  | 13 |  |  | 713 |
Income tax expense (benefit) | 102 |  |  | 4 |  |  | 1 |  |  | (9) |  |  | 98 |
Net income (loss) | $ | 366 |  |  | $ | 14 |  |  | $ | 2 |  |  | $ | (27) |  |  | $ | 355 |
Total assets | $ | 47,662 |  |  | $ | 41 |  |  | $ | 32 |  |  | $ | 241 |  |  | $ | 47,976 |
Total loans and leases | 33,671 |  |  | — |  |  | — |  |  | 46 |  |  | 33,717 |
Total deposits | 37,112 |  |  | — |  |  | — |  |  | (341) |  |  | 36,771 |
Market value of assets under administration - FNBIA, FNTC and FNIS (1) | — |  |  | 14,115 |  |  | — |  |  | — |  |  | 14,115 |
(1) The assets under administration are not held on our Consolidated Balance Sheets.

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- Definition Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 25 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-25 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 22 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22 Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 30 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-30 + Details
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