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BUSINESS SEGMENTS (Tables)

12 Months Ended

Dec. 31, 2025

Segment Reporting [Abstract]

Schedule of Financial Information for Segments of FNB

The following table provides financial information for these segments of FNB. The information provided under the caption “Parent and Other” represents operations not considered to be reportable segments and/or general operating expenses of FNB, and includes the parent company, other non-bank subsidiaries and eliminations and adjustments to reconcile to the Consolidated Financial Statements.

TABLE 24.1

(in millions)			Community Banking						Wealth Manage- ment						Insurance						Parent and Other						Consolidated
At or for the Year Ended December 31, 2025
Interest income			$	2,320					$	—					$	—					$	6					$	2,326
Interest expense			881						—						—						49						930
Net interest income (loss)			1,439						—						—						(43)						1,396
Provision for credit losses			86						—						—						—						86
Non-interest income:
Service charges			92						—						—						—						92
Interchange and card transaction fees			52						—						—						—						52
Trust services			—						48						—						—						48
Insurance commissions and fees			—						—						20						—						20
Securities commissions and fees			—						36						—						—						36
Capital markets income			23						—						—						4						27
Mortgage banking operations			28						—						—						—						28
Other			75						—						—						(9)						66
Total non-interest income			270						84						20						(5)						369
Non-interest expense:
Salaries and employee benefits			470						43						15						2						530
Other			416						12						5						47						480
Total non-interest expense			886						55						20						49						1,010
Income tax expense (benefit)			119						6						—						(21)						104
Net income (loss)			$	618					$	23					$	—					$	(76)					$	565
Total assets			$	49,909					$	48					$	30					$	242					$	50,229
Total loans and leases			34,739						—						—						38						34,777
Total deposits			39,098						—						—						(339)						38,759
Market value of assets under administration - FNTC and FNIS (1)			—						14,885						—						—						14,885

(in millions)			Community Banking						Wealth Manage- ment						Insurance						Parent and Other						Consolidated
At or for the Year Ended December 31, 2024
Interest income			$	2,246					$	—					$	—					$	6					$	2,252
Interest expense			941						—						—						31						972
Net interest income (loss)			1,305						—						—						(25)						1,280
Provision for credit losses			79						—						—						1						80
Non-interest income:
Service charges			91						—						—						—						91
Interchange and card transaction fees			52						—						—						—						52
Trust services			—						46						—						—						46
Insurance commissions and fees			1						—						23						(2)						22
Securities commissions and fees			—						31						—						—						31
Capital markets income			21						—						—						3						24
Mortgage banking operations			27						—						—						—						27
Other			31						—						—						(8)						23
Total non-interest income			223						77						23						(7)						316
Non-interest expense:
Salaries and employee benefits			445						45						14						—						504
Other			426						9						5						17						457
Total non-interest expense			871						54						19						17						961
Income tax expense (benefit)			97						5						1						(13)						90
Net income (loss)			$	481					$	18					$	3					$	(37)					$	465
Total assets			$	48,295					$	44					$	31					$	255					$	48,625
Total loans and leases			33,895						—						—						44						33,939
Total deposits			37,973						—						—						(866)						37,107
Market value of assets under administration - FNTC, FNBIA and FNIS (1)			—						14,217						—						—						14,217

(in millions)			Community Banking						Wealth Manage- ment						Insurance						Parent and Other						Consolidated
At or for the Year Ended December 31, 2023
Interest income			$	1,967					$	—					$	—					$	6					$	1,973
Interest expense			624						—						—						32						656
Net interest income			1,343						—						—						(26)						1,317
Provision for credit losses			72						—						—						—						72
Non-interest income:
Service charges			82						—						—						—						82
Interchange and card transaction fees			52						—						—						—						52
Trust services			—						43						—						—						43
Insurance commissions and fees			1						—						22						—						23
Securities commissions and fees			—						28						—						—						28
Capital markets income			25						—						—						2						27
Mortgage banking operations			21						—						—						—						21
Other			(15)						—						—						(7)						(22)
Total non-interest income			166						71						22						(5)						254
Non-interest expense:
Salaries and employee benefits			406						41						14						1						462
Other			430						9						4						10						453
Total non-interest expense			836						50						18						11						915
Income tax expense (benefit)			106						5						1						(13)						99
Net income (loss)			$	495					$	16					$	3					$	(29)					$	485
Total assets			$	45,924					$	40					$	29					$	165					$	46,158
Total loans and leases			32,281						—						—						42						32,323
Total deposits			35,127						—						—						(416)						34,711
Market value of assets under administration - FNTC, FNBIA and FNIS (1)			—						12,853						—						—						12,853

(1) The assets under administration are not held on our Consolidated Balance Sheets.

X

- Definition

Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 25
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-25

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 22
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-22

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 30
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482810/280-10-50-30

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- References

No definition available.

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