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REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2025

Banking and Thrift, Other Disclosure [Abstract]

Schedule of Capital Ratios

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.

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- Definition

Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 505
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (c)(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 1B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147477270/942-505-50-1B

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