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  <xs:element id="fnb_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRecoveryPercentage" abstract="false" name="FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffRecoveryPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="fnb_GainFromSaleOfLoanNetPretax" abstract="false" name="GainFromSaleOfLoanNetPretax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="fnb_SmallBusinessAdministrationLoansMember" abstract="true" name="SmallBusinessAdministrationLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="fnb_CollateralDependentLoansFairValueDisclosure" abstract="false" name="CollateralDependentLoansFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="fnb_RealEstateAcquiredThroughForeclosureFairValueDisclosure" abstract="false" name="RealEstateAcquiredThroughForeclosureFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
