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PARENT COMPANY FINANCIAL STATEMENTS | 12 Months Ended
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Dec. 31, 2025
Condensed Financial Information Disclosure [Abstract] |
PARENT COMPANY FINANCIAL STATEMENTS | PARENT COMPANY FINANCIAL STATEMENTS The following is condensed financial information of F.N.B. Corporation (parent company only). In this information, the parent company’s investments in subsidiaries are stated at cost plus equity in undistributed earnings of subsidiaries since acquisition. This information should be read in conjunction with the Consolidated Financial Statements. TABLE 26.1
Balance Sheets (in millions) December 31 | 2025 |  | 2024
Assets |  |  |
Cash and cash equivalents | $ | 288 |  |  | $ | 803 |
Other assets | 158 |  |  | 185 |
Investment in bank subsidiary | 6,791 |  |  | 6,272 |
Investments in and advances to non-bank subsidiaries | 592 |  |  | 581 |
Total Assets | $ | 7,829 |  |  | $ | 7,841 |
Liabilities |  |  |
Other liabilities | $ | 138 |  |  | $ | 142 |
Advances from affiliates | 206 |  |  | 197 |
Long-term borrowings | 720 |  |  | 1,193 |
Subordinated notes: |  |  |
Short-term | 5 |  |  | 6 |
Long-term | 1 |  |  | 1 |
Total Liabilities | 1,070 |  |  | 1,539 |
Shareholders’ Equity | 6,759 |  |  | 6,302 |
Total Liabilities and Shareholders’ Equity | $ | 7,829 |  |  | $ | 7,841 |
TABLE 26.2
Statements of Income (in millions) Year Ended December 31 | 2025 |  | 2024 |  | 2023
Income |  |  |  |  |
Dividend income from subsidiaries: |  |  |  |  |
Bank | $ | 227 |  |  | $ | 307 |  |  | $ | 382 |
Non-bank | 1 |  |  | 2 |  |  | 3 |
| 228 |  |  | 309 |  |  | 385 |
Interest income | 22 |  |  | 23 |  |  | 16 |
Other income | 1 |  |  | 1 |  |  | 1 |
Total Income | 251 |  |  | 333 |  |  | 402 |
Expenses |  |  |  |  |
Interest expense | 70 |  |  | 53 |  |  | 47 |
Other expenses | 57 |  |  | 29 |  |  | 21 |
Total Expenses | 127 |  |  | 82 |  |  | 68 |
Income Before Taxes and Equity in Undistributed Income of Subsidiaries | 124 |  |  | 251 |  |  | 334 |
Income tax benefit | 23 |  |  | 14 |  |  | 15 |
| 147 |  |  | 265 |  |  | 349 |
Equity in undistributed income of subsidiaries: |  |  |  |  |
Bank | 414 |  |  | 194 |  |  | 130 |
Non-bank | 4 |  |  | 6 |  |  | 6 |
Net Income | $ | 565 |  |  | $ | 465 |  |  | $ | 485 |
TABLE 26.3
Statements of Cash Flows (in millions) Year Ended December 31 | 2025 |  | 2024 |  | 2023
Operating Activities |  |  |  |  |
Net income | $ | 565 |  |  | $ | 465 |  |  | $ | 485 |
Adjustments to reconcile net income to net cash flows from operating activities: |  |  |  |  |
Undistributed earnings from subsidiaries | (418) |  |  | (200) |  |  | (136) |
Other, net | 28 |  |  | (6) |  |  | (4) |
Net cash flows provided by (used in) operating activities | 175 |  |  | 259 |  |  | 345 |
Investing Activities |  |  |  |  |
Net increase in advances to subsidiaries | — |  |  | — |  |  | (75) |
Payment for further investment in subsidiaries | (6) |  |  | (3) |  |  | (9) |
Increase in premises and equipment | (5) |  |  | (47) |  |  | (8) |
Net cash flows provided by (used in) investing activities | (11) |  |  | (50) |  |  | (92) |
Financing Activities |  |  |  |  |
Net decrease in advance from affiliate | 9 |  |  | — |  |  | — |
Net decrease in short-term borrowings | (1) |  |  | — |  |  | — |
Decrease in long-term debt | (475) |  |  | — |  |  | (331) |
Increase in long-term debt | 2 |  |  | 499 |  |  | 2 |
Redemption of preferred stock | — |  |  | (111) |  |  | — |
Other, net | (40) |  |  | 8 |  |  | (29) |
Cash dividends paid: |  |  |  |  |
Preferred stock | — |  |  | (2) |  |  | (8) |
Common stock | (174) |  |  | (175) |  |  | (174) |
Net cash flows provided by (used in) financing activities | (679) |  |  | 219 |  |  | (540) |
Net Increase (Decrease) in Cash and Cash Equivalents | (515) |  |  | 428 |  |  | (287) |
Cash and cash equivalents at beginning of year | 803 |  |  | 375 |  |  | 662 |
Cash and Cash Equivalents at End of Year | $ | 288 |  |  | $ | 803 |  |  | $ | 375 |
Cash paid during the year for: |  |  |  |  |
Interest | $ | 72 |  |  | $ | 54 |  |  | $ | 48 |

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- Definition The entire disclosure for condensed financial information, including the financial position, cash flows, and the results of operations of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 235 -Name Accounting Standards Codification -Section S99 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147477314/942-235-S99-2 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 235 -SubTopic 10 -Name Accounting Standards Codification -Section S50 -Paragraph 4 -Publisher FASB -URI https://asc.fasb.org/1943274/2147480738/235-10-S50-4 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 235 -SubTopic 10 -Name Accounting Standards Codification -Section S99 -Paragraph 3 -Subparagraph (SX 210.12-04(a)) -Publisher FASB -URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3 Reference 4: http://www.xbrl.org/2003/role/recommendedDisclosureRef -Topic 810 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 11 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481231/810-10-45-11 + Details
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