BUSINESS SEGMENTS (Tables)

9 Months Ended

Sep. 30, 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 17.1

(in millions)	Community Banking		Wealth Management		Insurance		Parent and Other		Consolidated
At or for the Three Months Ended September 30, 2025
Interest income	$	595	$	—	$	—	$	1	$	596
Interest expense	225		—		—		12		237
Net interest income (loss)	370		—		—		(11)		359
Provision for credit losses	24		—		—		—		24
Non-interest income:
Service charges	23		—		—		—		23
Interchange and card transaction fees	13		—		—		—		13
Trust services	—		12		—		—		12
Insurance commissions and fees	—		—		5		—		5
Securities commissions and fees	—		9		—		—		9
Capital markets income	6		—		—		2		8
Mortgage banking operations	9		—		—		—		9
Other	22		—		—		(3)		19
Total non-interest income	73		21		5		(1)		98
Non-interest expense:
Salaries and employee benefits	117		11		3		—		131
Other	102		3		2		5		112
Total non-interest expense	219		14		5		5		243
Income tax expense (benefit)	42		2		—		(4)		40
Net income (loss)	$	158	$	5	$	—	$	(13)	$	150
Total assets	$	49,547	$	47	$	31	$	264	$	49,889
Total loans and leases	34,911		—		—		46		34,957
Total deposits	38,894		—		—		(453)		38,441
Market value of assets under administration - FNBIA, FNTC and FNIS (1)	—		14,885		—		—		14,885

(in millions)	Community Banking		Wealth Management		Insurance		Parent and Other		Consolidated
At or for the Three Months Ended September 30, 2024
Interest income	$	582	$	—	$	—	$	1	$	583
Interest expense	252		—		—		8		260
Net interest income (loss)	330		—		—		(7)		323
Provision for credit losses	23		—		—		—		23
Non-interest income:
Service charges	24		—		—		—		24
Interchange and card transaction fees	13		—		—		—		13
Trust services	—		11		—		—		11
Insurance commissions and fees	—		—		5		—		5
Securities commissions and fees	—		8		—		—		8
Capital markets income	5		—		—		1		6
Mortgage banking operations	5		—		—		—		5
Other	20		—		—		(3)		17
Total non-interest income	67		19		5		(2)		89
Non-interest expense:
Salaries and employee benefits	112		11		4		(1)		126
Other	114		2		1		6		123
Non-interest expense	226		13		5		5		249
Income tax expense (benefit)	32		1		—		(3)		30
Net income (loss)	$	116	$	5	$	—	$	(11)	$	110
Total assets	$	47,662	$	41	$	32	$	241	$	47,976
Total loans and leases	33,671		—		—		46		33,717
Total deposits	37,112		—		—		(341)		36,771
Market value of assets under administration - FNBIA, FNTC and FNIS (1)	—		14,115		—		—		14,115

(in millions)	Community Banking		Wealth Management		Insurance		Parent and Other		Consolidated
At or for the Nine Months Ended September 30, 2025
Interest income	$	1,734	$	—	$	—	$	4	$	1,738
Interest expense	667		—		—		41		708
Net interest income (loss)	1,067		—		—		(37)		1,030
Provision for credit losses	67		—		—		—		67
Non-interest income:
Service charges	68		—		—		—		68
Interchange and card transaction fees	39		—		—		—		39
Trust services	—		36		—		—		36
Insurance commissions and fees	—		—		16		—		16
Securities commissions and fees	—		27		—		—		27
Capital markets income	16		—		—		4		20
Mortgage banking operations	22		—		—		—		22
Other	57		—		—		(8)		49
Total non-interest income	202		63		16		(4)		277
Non-interest expense:
Salaries and employee benefits	352		32		11		1		396
Other	306		10		4		20		340
Total non-interest expense	658		42		15		21		736
Income tax expense (benefit)	116		5		—		(14)		107
Net income (loss)	$	428	$	16	$	1	$	(48)	$	397
Total assets	$	49,547	$	47	$	31	$	264	$	49,889
Total loans and leases	34,911		—		—		46		34,957
Total deposits	38,894		—		—		(453)		38,441
Market value of assets under administration - FNBIA, FNTC and FNIS (1)	—		14,885		—		—		14,885

(in millions)	Community Banking		Wealth Management		Insurance		Parent and Other		Consolidated
At or for the Nine Months Ended September 30, 2024
Interest income	$	1,679	$	—	$	—	$	4	$	1,683
Interest expense	703		—		—		22		725
Net interest income (loss)	976		—		—		(18)		958
Provision for credit losses	57		—		—		—		57
Non-interest income:
Service charges	68		—		—		—		68
Interchange and card transaction fees	39		—		—		—		39
Trust services	—		34		—		—		34
Insurance commissions and fees	—		—		18		—		18
Securities commissions and fees	—		24		—		—		24
Capital markets income	15		—		—		2		17
Mortgage banking operations	20		—		—		—		20
Other	52		—		—		(7)		45
Total non-interest income	194		58		18		(5)		265
Non-interest expense:
Salaries and employee benefits	332		33		11		—		376
Other	313		7		4		13		337
Total non-interest expense	645		40		15		13		713
Income tax expense (benefit)	102		4		1		(9)		98
Net income (loss)	$	366	$	14	$	2	$	(27)	$	355
Total assets	$	47,662	$	41	$	32	$	241	$	47,976
Total loans and leases	33,671		—		—		46		33,717
Total deposits	37,112		—		—		(341)		36,771
Market value of assets under administration - FNBIA, FNTC and FNIS (1)	—		14,115		—		—		14,115

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