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v3.25.4

LONG-TERM BORROWINGS (Tables) | 12 Months Ended
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Dec. 31, 2025
Debt Disclosure [Abstract] |
Schedule of Long-Term Borrowings | Following is a summary of long-term borrowings: TABLE 14.1
December 31 | 2025 |  | 2024
(in millions) |  |  |
Federal Home Loan Bank advances | $ | 1,100 |  |  | $ | 1,750 |
Senior notes | 498 |  |  | 847 |
Subordinated notes | 86 |  |  | 74 |
Junior subordinated debt | 74 |  |  | 73 |
Other subordinated debt | 143 |  |  | 268 |
Total long-term borrowings | $ | 1,901 |  |  | $ | 3,012 |
Schedule of Annual Maturities for Long-Term Borrowings | Scheduled annual maturities for the long-term borrowings for the years following December 31, 2025 are as follows: TABLE 14.2
(in millions) |
2026 | $ | 320 |
2027 | 620 |
2028 | 228 |
2029 | 126 |
2030 | 500 |
Later years | 107 |
Total | $ | 1,901 |
Schedule of Weighted Average Interest Rate on Subordinated Notes | The weighted average interest rates on the subordinated notes are presented in the following table: TABLE 14.3
December 31 | 2025 |  | 2024 |  | 2023
Subordinated notes weighted average interest rate | 4.70 | % |  | 4.50 | % |  | 4.10 | %
Schedule of Junior Subordinated Debt Trusts | The following table provides information relating to the Trusts as of December 31, 2025: TABLE 14.4
(dollars in millions) | Trust Preferred Securities |  | Common Securities |  | Junior Subordinated Debt |  | Stated Maturity Date |  | Interest Rate |  | Rate Reset Factor
F.N.B. Statutory Trust II | $ | 22 |  |  | $ | 1 |  |  | $ | 22 |  |  | 6/15/2036 |  | 5.63 | % |  | SOFR + 165 bps
Yadkin Valley Statutory Trust I | 25 |  |  | 1 |  |  | 23 |  |  | 12/15/2037 |  | 5.30 | % |  | SOFR + 132 bps
FNB Financial Services Capital Trust I | 25 |  |  | 1 |  |  | 24 |  |  | 9/30/2035 |  | 5.41 | % |  | SOFR + 146 bps
Patapsco Statutory Trust I | 5 |  |  | — |  |  | 5 |  |  | 12/15/2035 |  | 5.46 | % |  | SOFR + 148 bps
Total | $ | 77 |  |  | $ | 3 |  |  | $ | 74 |  |  |  |  |  |  |
Schedule of Senior and Other Subordinated Debt | The following table provides information relating to our senior notes and other subordinated debt as of December 31, 2025. The subordinated notes are eligible for treatment as tier 2 capital for regulatory capital purposes. TABLE 14.5
(dollars in millions) | Aggregate Principal Amount Issued |  | Net Proceeds (5) |  | Carrying Value |  | Stated Maturity Date |  | Interest Rate
Senior Notes: |  |  |  |  |  |  |  |  |
Fixed-To-Floating Rate Senior Notes due December 11, 2030 (1) | $ | 500 |  |  | $ | 497 |  |  | $ | 498 |  |  | 12/11/2030 |  | 5.722 | %
Total senior notes | 500 |  |  | 497 |  |  | 498 |  |  |  |  |
Other Subordinated Debt: |  |  |  |  |  |  |  |  |
Fixed-To-Floating Rate Subordinated Notes due 2029 (2) | 120 |  |  | 118 |  |  | 119 |  |  | 2/14/2029 |  | 6.515 | %
Fixed-To-Floating Rate Subordinated Notes due December 6, 2028 (3) (4) | 25 |  |  | 26 |  |  | 24 |  |  | 12/6/2028 |  | 7.019 | %
Total other subordinated debt | 145 |  |  | 144 |  |  | 143 |  |  |  |  |
Total | $ | 645 |  |  | $ | 641 |  |  | $ | 641 |  |  |  |  |
(1) Fixed rate until December 11, 2029, at which time it converts to a floating rate determined by the Compounded SOFR plus 193 basis points. (2) Floating rate effective February 14, 2024, determined by the Benchmark Replacement (three-month Chicago Mercantile Exchange (CME) term SOFR plus a tenor spread adjustment of 26 basis points) plus 240 basis points. (3) Floating rate effective December 6, 2023, determined by the Benchmark Replacement (three-month CME term SOFR plus a tenor spread adjustment of 26 basis points) plus 302 basis points. (4) Assumed from an acquisition and adjusted to fair value at the time of acquisition. (5) After deducting underwriting discounts and commissions and offering costs. For the debt assumed from acquisitions, this is the fair value of the debt at the time of the acquisition.

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