F.N.B. Corporation filed its Form 10-Q with the Securities and Exchange Commission on November 3, 2026, covering the quarterly period ended September 30, 2026, and reporting third-quarter net income of $153 million for the Pennsylvania-based banking company listed on NYSE:FNB.

Key Highlights

  • Net income: $153 million for the three months ended September 30, 2026, compared to $150 million in the same period of 2025, according to the filing.
  • Diluted earnings per share: $0.43 for Q3 2026, up from $0.41 in Q3 2025, as reported in the consolidated statements of income.
  • Total assets: $52.053 billion as of September 30, 2026, rising from $50.229 billion at December 31, 2025.
  • Net loans and leases: $36.081 billion at quarter-end, compared to $34.338 billion at December 31, 2025.
  • Net interest income: $376 million for Q3 2026, up from $359 million in Q3 2025.
  • Shares outstanding: 350,841,041 shares of common stock as of October 31, 2026, with treasury stock totaling 24,192,051 shares at cost of $344 million.
  • Nine-month net income: $439 million for the nine months ended September 30, 2026, versus $397 million for the same period in 2025.

F.N.B. Corporation Third-Quarter 2026 Financial Performance

F.N.B. Corporation, a Pennsylvania-chartered financial holding company headquartered at 626 Washington Place, Pittsburgh, PA, operates through subsidiaries including First National Bank of Pennsylvania, F.N.B. Investment Advisors, Inc., First National Investment Services Company, LLC, and First National Trust Company. The company generates revenue through traditional banking activities such as loans and leases, investment securities, service charges, trust services, insurance commissions, capital markets income, and mortgage banking operations, according to the filing.

For the three months ended September 30, 2026, the filing disclosed total interest income of $596 million and total interest expense of $220 million, producing net interest income of $376 million. The provision for credit losses was $19 million in the quarter, down from $24 million in Q3 2025. Total non-interest income was $93 million, while total non-interest expense was $257 million, with salaries and employee benefits representing the largest component at $133 million. Income before income taxes was $193 million, and income taxes were $40 million for the quarter.

On the balance sheet, total deposits stood at $39.550 billion as of September 30, 2026, consisting of $10.134 billion in non-interest-bearing deposits and $29.416 billion in interest-bearing deposits. The allowance for credit losses on loans and leases was $456 million. Accumulated other comprehensive loss widened to $187 million at September 30, 2026, from $63 million at December 31, 2025, reflecting unrealized losses on available-for-sale debt securities and derivative instruments during the nine-month period. Total shareholders' equity was $6.813 billion at quarter-end. The company is classified as a large accelerated filer, as indicated on the filing's cover page.

What Was Disclosed

F.N.B. Corporation disclosed its unaudited consolidated financial statements for the quarter and nine months ended September 30, 2026, showing growth in net income, total assets, and net loans and leases compared to year-end 2025, alongside wider other comprehensive losses driven by securities and derivative positions.