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.


(in millions)	Community Banking		Wealth Management		Insurance		Parent and Other		Consolidated
At or for the Three Months Ended March 31, 2026
Interest income	$	567	$	—	$	—	$	2	$	569
Interest expense	202		—		—		8		210
Net interest income (loss)	365		—		—		(6)		359
Provision for credit losses	18		—		—		—		18
Non-interest income:
Service charges	23		—		—		—		23
Interchange and card transaction fees	13		—		—		—		13
Trust services	—		13		—		—		13
Insurance commissions and fees	—		—		6		—		6
Securities commissions and fees	—		9		—		—		9
Capital markets income	5		—		—		2		7
Mortgage banking operations	6		—		—		—		6
Other	17		—		—		(3)		14
Total non-interest income	64		22		6		(1)		91
Non-interest expense:
Salaries and employee benefits	120		11		4		1		136

Other	112		3		1		6		122
Total non-interest expense	232		14		5		7		258
Income tax expense (benefit)	39		2		—		(4)		37
Net income (loss)	$	140	$	6	$	1	$	(10)	$	137

Total assets	$	50,287	$	50	$	33	$	258	$	50,628
Total loans and leases	35,062		—		—		50		35,112
Total deposits	39,227		—		—		(326)		38,901
Market value of assets under administration - FNTC and FNIS (1)	—		15,102		—		—		15,102


(in millions)	Community Banking		Wealth Management		Insurance		Parent and Other		Consolidated
At or for the Three Months Ended March 31, 2025
Interest income	$	558	$	—	$	—	$	1	$	559
Interest expense	221		—		—		15		236
Net interest income (loss)	337		—		—		(14)		323
Provision for credit losses	17		—		—		—		17
Non-interest income:
Service charges	22		—		—		—		22
Interchange and card transaction fees	12		—		—		—		12
Trust services	—		13		—		—		13
Insurance commissions and fees	—		—		6		—		6
Securities commissions and fees	—		9		—		—		9
Capital markets income	4		—		—		1		5
Mortgage banking operations	7		—		—		—		7
Other	18		—		—		(4)		14
Total non-interest income	63		22		6		(3)		88
Non-interest expense:
Salaries and employee benefits	121		10		4		—		135

Other	101		4		1		5		111
Total non-interest expense	222		14		5		5		246
Income tax expense (benefit)	34		2		—		(5)		31
Net income (loss)	$	127	$	6	$	1	$	(17)	$	117

Total assets	$	48,668	$	50	$	35	$	267	$	49,020
Total loans and leases	34,191		—		—		44		34,235
Total deposits	38,087		—		—		(848)		37,239
Market value of assets under administration - FNBIA, FNTC and FNIS (1)	—		13,897		—		—		13,897