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REGULATORY MATTERS | 12 Months Ended
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Dec. 31, 2025
Banking and Thrift, Other Disclosure [Abstract] |
REGULATORY MATTERS | REGULATORY MATTERS FNB and FNBPA are subject to various regulatory capital requirements administered by the federal banking agencies. Quantitative measures established by regulators to ensure capital adequacy require FNB and FNBPA to maintain minimum amounts and ratios of total, tier 1 and CET1 capital (as defined in the regulations) to risk-weighted assets (as defined) and of leverage ratio (as defined). Failure to meet minimum capital requirements could lead to initiation of certain mandatory, and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on our Consolidated Financial Statements, dividends and future business and corporate strategies. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, FNB and FNBPA must meet specific capital guidelines that involve quantitative measures of assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. FNB’s and FNBPA’s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. As of December 31, 2025, the most recent notification from the federal banking agencies categorized FNB and FNBPA as “well-capitalized” under the respective regulatory frameworks. There are no conditions or events since the notification which management believes have changed this categorization. Following are the capital ratios for FNB and FNBPA: TABLE 22.1
| Actual |  | Well-Capitalized Requirements (1) |  | Minimum Capital Requirements plus Capital Conservation Buffer
(dollars in millions) | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
As of December 31, 2025 |  |  |  |  |  |  |  |  |  |  |
F.N.B. Corporation: |  |  |  |  |  |  |  |  |  |  |
Total capital | $ | 4,971 |  |  | 13.08 | % |  | $ | 3,799 |  |  | 10.00 | % |  | $ | 3,989 |  |  | 10.50 | %
Tier 1 capital | 4,317 |  |  | 11.36 |  |  | 2,279 |  |  | 6.00 |  |  | 3,229 |  |  | 8.50 |
CET1 | 4,317 |  |  | 11.36 |  |  | n/a |  | n/a |  | 2,659 |  |  | 7.00 |
Leverage | 4,317 |  |  | 9.11 |  |  | n/a |  | n/a |  | 1,896 |  |  | 4.00 |
Risk-weighted assets | 37,991 |  |  |  |  |  |  |  |  |  |  |
FNBPA: |  |  |  |  |  |  |  |  |  |  |
Total capital | $ | 5,188 |  |  | 13.75 | % |  | $ | 3,774 |  |  | 10.00 | % |  | $ | 3,963 |  |  | 10.50 | %
Tier 1 capital | 4,371 |  |  | 11.58 |  |  | 3,019 |  |  | 8.00 |  |  | 3,208 |  |  | 8.50 |
CET1 | 4,291 |  |  | 11.37 |  |  | 2,453 |  |  | 6.50 |  |  | 2,642 |  |  | 7.00 |
Leverage | 4,371 |  |  | 9.27 |  |  | 2,357 |  |  | 5.00 |  |  | 1,885 |  |  | 4.00 |
Risk-weighted assets | 37,743 |  |  |  |  |  |  |  |  |  |  |
As of December 31, 2024 |  |  |  |  |  |  |  |  |  |  |
F.N.B. Corporation: |  |  |  |  |  |  |  |  |  |  |
Total capital | $ | 4,635 |  |  | 12.35 | % |  | $ | 3,755 |  |  | 10.00 | % |  | $ | 3,942 |  |  | 10.50 | %
Tier 1 capital | 3,971 |  |  | 10.58 |  |  | 2,253 |  |  | 6.00 |  |  | 3,191 |  |  | 8.50 |
CET1 | 3,971 |  |  | 10.58 |  |  | n/a |  | n/a |  | 2,628 |  |  | 7.00 |
Leverage | 3,971 |  |  | 8.75 |  |  | n/a |  | n/a |  | 1,816 |  |  | 4.00 |
Risk-weighted assets | 37,546 |  |  |  |  |  |  |  |  |  |  |
FNBPA: |  |  |  |  |  |  |  |  |  |  |
Total capital | $ | 4,794 |  |  | 12.86 | % |  | $ | 3,728 |  |  | 10.00 | % |  | $ | 3,914 |  |  | 10.50 | %
Tier 1 capital | 3,962 |  |  | 10.63 |  |  | 2,982 |  |  | 8.00 |  |  | 3,169 |  |  | 8.50 |
CET1 | 3,882 |  |  | 10.41 |  |  | 2,423 |  |  | 6.50 |  |  | 2,610 |  |  | 7.00 |
Leverage | 3,962 |  |  | 8.78 |  |  | 2,257 |  |  | 5.00 |  |  | 1,806 |  |  | 4.00 |
Risk-weighted assets | 37,280 |  |  |  |  |  |  |  |  |  |  |
(1) Reflects the well-capitalized standard under Regulation Y for F.N.B. Corporation and the prompt corrective action framework for FNBPA. The FRB eliminated the reserve requirement for thousands of depository institutions, although FNBPA still maintains deposits with the FRB for various services such as check clearing. Certain limitations exist under applicable law and regulations by regulatory agencies regarding dividend distributions to a parent by our subsidiaries. As of December 31, 2025, our subsidiaries had $771.3 million of retained earnings available for distribution to us without prior regulatory approval. Under current FRB regulations, FNBPA is limited in the amount it may lend to non-bank affiliates, including FNB. Such loans must be secured by specified collateral. In addition, any such loans to a non-bank affiliate may not exceed 10% of FNBPA’s capital and surplus and the aggregate of loans to all such affiliates may not exceed 20% of FNBPA’s capital and surplus. The maximum amount that may be borrowed by FNB affiliates under these provisions was $1.0 billion at December 31, 2025.

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- Definition The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1D -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1D Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1A -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1A Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1F -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1F + Details
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