REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2024

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, 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
Common equity tier 1	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
Common equity tier 1	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
As of December 31, 2023
F.N.B. Corporation:
Total capital	$	4,456	12.16	%	$	3,664	10.00	%	$	3,847	10.50	%
Tier 1 capital	3,786		10.33		2,198		6.00		3,114		8.50
Common equity tier 1	3,680		10.04		n/a		n/a		2,565		7.00
Leverage	3,786		8.72		n/a		n/a		1,736		4.00
Risk-weighted assets	36,641
FNBPA:
Total capital	$	4,559	12.50	%	$	3,647	10.00	%	$	3,829	10.50	%
Tier 1 capital	3,769		10.34		2,917		8.00		3,100		8.50
Common equity tier 1	3,689		10.12		2,370		6.50		2,553		7.00
Leverage	3,769		8.71		2,164		5.00		1,731		4.00
Risk-weighted assets	36,466

(1) Reflects the well-capitalized standard under Regulation Y for F.N.B. Corporation and the prompt corrective action framework for FNBPA.