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LONG-TERM BORROWINGS (Tables)
 12 Months Ended
Dec. 31, 2025
Debt Disclosure [Abstract]  
Schedule of Long-Term Borrowings
Following is a summary of long-term borrowings:
TABLE 14.1
December 3120252024
(in millions)
Federal Home Loan Bank advances$1,100 $1,750 
Senior notes498 847 
Subordinated notes86 74 
Junior subordinated debt74 73 
Other subordinated debt143 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 
2027620 
2028228 
2029126 
2030500 
Later years107 
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 31202520242023
Subordinated notes weighted average interest rate4.70 %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 6/15/20365.63 %
SOFR + 165 bps
Yadkin Valley Statutory Trust I25 1 23 12/15/20375.30 %
SOFR + 132 bps
FNB Financial Services Capital Trust I25 1 24 9/30/20355.41 %
SOFR + 146 bps
Patapsco Statutory Trust I5 — 5 12/15/20355.46 %
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 ValueStated Maturity DateInterest
Rate
Senior Notes:
Fixed-To-Floating Rate Senior Notes due December 11, 2030 (1)
$500 $497 $498 12/11/20305.722 %
Total senior notes500 497 498 
Other Subordinated Debt:
Fixed-To-Floating Rate Subordinated Notes due 2029 (2)
120 118 119 2/14/20296.515 %
Fixed-To-Floating Rate Subordinated Notes due December 6, 2028 (3) (4)
25 26 24 12/6/20287.019 %
Total other subordinated debt145 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.