Financial insights of FNB

MyFinsight

For the year ending 2025-12-31.

Income Overview

Net Income
$565M
EPS
$1.56
Unit: Million (M) dollars

Income Statement	2025-12-31	2024-12-31	2023-12-31	2022-12-31
Preferred stock dividends	0	6	8	8
Taxable	232	196	150	117
Tax-exempt	28	28	28	27
Other	70	43	41	24
Loans and leases, including fees	1,996	1,985	1,754	1,117
Total interest income	2,326	2,252	1,973	1,285
Deposits	737	754	495	108
Long-term borrowings	125	119	83	32
Short-term borrowings	68	99	78	25
Total interest expense	930	972	656	165
Net interest income (loss)	1,396	1,280	1,317	1,120
Provision for credit losses	86	80	72	64
Mortgage banking operations	-	-	-	21
Net interest income after provision for credit losses	1,310	1,200	1,245	1,056
Dividends on non-marketable equity securities	24	25	21	12
Bank owned life insurance	18	17	12	12
Loss on debt extinguishment	-	-	-	0
Other	24	15	12	19
Net securities gains (losses)	0	-34	-67	-
Service charges	92	91	82	137
Interchange and card transaction fees	52	52	52	-
Trust services	48	46	43	39
Insurance commissions and fees	20	22	23	24
Securities commissions and fees	36	31	28	24
Capital markets income	27	24	27	35
Mortgage banking operations	28	27	21	-
Total non-interest income	369	316	254	323
Net occupancy	78	79	70	68
Equipment	108	98	91	76
Amortization of intangibles	-	-	20	14
Outside services	108	96	84	73
Marketing	20	21	17	16
Fdic insurance	28	41	61	20
Bank shares tax	13	14	14	14
Merger-related	-	-	2	45
Other	125	108	94	74
Salaries and employee benefits	530	504	462	426
Total non-interest expense	1,010	961	915	826
Income before income taxes	669	555	584	553
Income taxes	104	90	99	114
Net income	565	465	485	439
Net Income Loss Available To Common Stockholders Basic	565	-	477	-
Net income available to common shareholders	565	459	477	431

Basic EPS	1.57	1.27	1.32	1.23
Diluted EPS	1.56	1.27	1.31	1.22
Basic Average Shares	360,838,499	361,444,439	360,743,462	349,976,557
Diluted Average Shares	361,953,974	362,637,604	362,897,806	354,052,197

MyFinsight

Income Overview

Net Income
$565M
EPS
$1.56
Unit: Million (M) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$565M
EPS
$1.56
Unit: Million (M) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$565MEPS$1.56Unit: Million (M) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$565MEPS$1.56Unit: Million (M) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$565M
EPS
$1.56
Unit: Million (M) dollars

Net Income
$565M
EPS
$1.56
Unit: Million (M) dollars