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 June 30, 2025
Interest income	$	581	$	—	$	—	$	2	$	583
Interest expense	221		—		—		14		235
Net interest income (loss)	360		—		—		(12)		348
Provision for credit losses	26		—		—		—		26
Non-interest income:
Service charges	23		—		—		—		23
Interchange and card transaction fees	14		—		—		—		14
Trust services	—		11		—		—		11
Insurance commissions and fees	—		—		5		—		5
Securities commissions and fees	—		9		—		—		9
Capital markets income	6		—		—		1		7
Mortgage banking operations	6		—		—		—		6
Other	17		—		—		(1)		16
Total non-interest income	66		20		5		—		91
Non-interest expense:
Salaries and employee benefits	114		11		4		1		130
Other	103		3		1		10		117
Total non-interest expense	217		14		5		11		247
Income tax expense (benefit)	40		1		—		(5)		36
Net income (loss)	$	143	$	5	$	—	$	(18)	$	130

Total assets	$	49,380	$	45	$	35	$	265	$	49,725
Total loans and leases	34,634		—		—		45		34,679
Total deposits	38,552		—		—		(804)		37,748
Market value of assets under administration - FNBIA, FNTC and FNIS (1)	—		14,425		—		—		14,425



(in millions)	Community Banking		Wealth Management		Insurance		Parent and Other		Consolidated
At or for the Three Months Ended June 30, 2024
Interest income	$	555	$	—	$	—	$	2	$	557
Interest expense	233		—		—		8		241
Net interest income (loss)	322		—		—		(6)		316
Provision for credit losses	20		—		—		—		20
Non-interest income:
Service charges	23		—		—		—		23
Interchange and card transaction fees	13		—		—		—		13
Trust services	—		12		—		—		12
Insurance commissions and fees	—		—		6		—		6
Securities commissions and fees	—		8		—		—		8
Capital markets income	5		—		—		—		5
Mortgage banking operations	7		—		—		—		7
Other	16		—		—		(2)		14
Total non-interest income	64		20		6		(2)		88
Non-interest expense:
Salaries and employee benefits	105		11		4		1		121
Other	99		3		2		2		106
Non-interest expense	204		14		6		3		227
Income tax expense (benefit)	36		1		—		(3)		34
Net income (loss)	$	126	$	5	$	—	$	(8)	$	123

Total assets	$	47,421	$	42	$	36	$	216	$	47,715
Total loans and leases	33,716		—		—		41		33,757
Total deposits	35,338		—		—		(344)		34,994
Market value of assets under administration - FNBIA, FNTC and FNIS (1)	—		13,520		—		—		13,520


(in millions)	Community Banking		Wealth Management		Insurance		Parent and Other		Consolidated
At or for the Six Months Ended June 30, 2025
Interest income	$	1,139	$	—	$	—	$	3	$	1,142
Interest expense	442		—		—		29		471
Net interest income (loss)	697		—		—		(26)		671
Provision for credit losses	43		—		—		—		43
Non-interest income:
Service charges	45		—		—		—		45
Interchange and card transaction fees	26		—		—		—		26
Trust services	—		24		—		—		24
Insurance commissions and fees	—		—		11		—		11
Securities commissions and fees	—		18		—		—		18
Capital markets income	10		—		—		2		12
Mortgage banking operations	13		—		—		—		13
Other	35		—		—		(5)		30
Total non-interest income	129		42		11		(3)		179
Non-interest expense:
Salaries and employee benefits	235		21		8		1		265

Other	204		7		2		15		228
Total non-interest expense	439		28		10		16		493
Income tax expense (benefit)	74		3		—		(10)		67
Net income (loss)	$	270	$	11	$	1	$	(35)	$	247

Total assets	$	49,380	$	45	$	35	$	265	$	49,725
Total loans and leases	34,634		—		—		45		34,679
Total deposits	38,552		—		—		(804)		37,748
Market value of assets under administration - FNBIA, FNTC and FNIS (1)	—		14,425		—		—		14,425


(in millions)	Community Banking		Wealth Management		Insurance		Parent and Other		Consolidated
At or for the Six Months Ended June 30, 2024
Interest income	$	1,097	$	—	$	—	$	3	$	1,100
Interest expense	451		—		—		14		465
Net interest income (loss)	646		—		—		(11)		635
Provision for credit losses	34		—		—		—		34
Non-interest income:
Service charges	44		—		—		—		44
Interchange and card transaction fees	26		—		—		—		26
Trust services	—		23		—		—		23
Insurance commissions and fees	—		—		13		—		13
Securities commissions and fees	—		16		—		—		16
Capital markets income	10		—		—		1		11
Mortgage banking operations	15		—		—		—		15
Other	32		—		—		(4)		28
Total non-interest income	127		39		13		(3)		176
Non-interest expense:
Salaries and employee benefits	220		22		7		1		250

Other	199		5		3		7		214
Total non-interest expense	419		27		10		8		464
Income tax expense (benefit)	70		3		1		(6)		68
Net income (loss)	$	250	$	9	$	2	$	(16)	$	245

Total assets	$	47,421	$	42	$	36	$	216	$	47,715
Total loans and leases	33,716		—		—		41		33,757
Total deposits	35,338		—		—		(344)		34,994
Market value of assets under administration - FNBIA, FNTC and FNIS (1)	—		13,520		—		—		13,520