v3.26.3
BUSINESS SEGMENTS
 9 Months Ended
Sep. 30, 2026
Segment Reporting [Abstract]  
BUSINESS SEGMENTS BUSINESS SEGMENTS
We operate in three reportable segments: Community Banking, Wealth Management and Insurance.
•The Community Banking segment provides commercial and consumer banking services. Commercial banking solutions include corporate banking, small business banking, investment real estate financing, business credit, capital markets and equipment financing. Consumer banking products and services include deposit products, mortgage lending, consumer lending and a complete suite of mobile and online banking services.
•The Wealth Management segment provides a broad range of personal and corporate fiduciary services including the administration of decedent and trust estates. In addition, it offers various alternative products, including securities brokerage (under a third-party arrangement) and investment advisory services, mutual funds and annuities.
•The Insurance segment includes a full-service insurance brokerage service offering all lines of commercial and personal insurance through major carriers. The Insurance segment also includes a reinsurer.
The interim segmentation and measurement basis for segment profit and loss as of September 30, 2026 is consistent with December 31, 2025.
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 18.1
(in millions)Community
Banking		Wealth
Management		InsuranceParent and
Other		Consolidated
At or for the Three Months Ended September 30, 2026
Interest income$594 $— $— $2 $596 
Interest expense212 — — 8 220 
Net interest income (loss)382 — — (6)376 
Provision for credit losses19 — — — 19 
Non-interest income:
Service charges24 — — — 24 
Interchange and card transaction fees13 — — — 13 
Trust services— 12 — — 12 
Insurance commissions and fees— — 5 — 5 
Securities commissions and fees— 9 — — 9 
Capital markets income6 — — 1 7 
Mortgage banking operations6 — — — 6 
Other19 — — (2)17 
Total non-interest income68 21 5 (1)93 
Non-interest expense:
Salaries and employee benefits117 11 4 1 133 
Other113 2 2 7 124 
Total non-interest expense230 13 6 8 257 
Income tax expense (benefit)42 1 — (3)40 
Net income (loss)$159 $7 $(1)$(12)$153 
Total assets$51,706 $51 $40 $256 $52,053 
Total loans and leases36,487 — — 50 36,537 
Total deposits39,883 — — (333)39,550 
Market value of assets under administration - FNTC and FNIS (1)
— 15,207 — — 15,207 
(in millions)Community
Banking		Wealth
Management		InsuranceParent and
Other		Consolidated
At or for the Three Months Ended September 30, 2025
Interest income$595 $— $— $1 $596 
Interest expense225 — — 12 237 
Net interest income (loss)370 — — (11)359 
Provision for credit losses24 — — — 24 
Non-interest income:
Service charges23 — — — 23 
Interchange and card transaction fees13 — — — 13 
Trust services— 12 — — 12 
Insurance commissions and fees— — 5 — 5 
Securities commissions and fees— 9 — — 9 
Capital markets income6 — — 2 8 
Mortgage banking operations9 — — — 9 
Other22 — — (3)19 
Total non-interest income73 21 5 (1)98 
Non-interest expense:
Salaries and employee benefits117 11 3 — 131 
Other102 3 2 5 112 
Non-interest expense219 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 leases34,911 — — 46 34,957 
Total deposits38,894 — — (453)38,441 
Market value of assets under administration - FNBIA, FNTC and FNIS (1)
— 14,885 — — 14,885 
(in millions)Community
Banking		Wealth
Management		InsuranceParent and
Other		Consolidated
At or for the Nine Months Ended September 30, 2026
Interest income$1,738 $— $— $5 $1,743 
Interest expense619 — — 23 642 
Net interest income (loss)1,119 — — (18)1,101 
Provision for credit losses59 — — — 59 
Non-interest income:
Service charges71 — — — 71 
Interchange and card transaction fees39 — — — 39 
Trust services— 37 — — 37 
Insurance commissions and fees— — 17 — 17 
Securities commissions and fees— 27 — — 27 
Capital markets income17 — — 5 22 
Mortgage banking operations18 — — — 18 
Other56 — — (6)50 
Total non-interest income201 64 17 (1)281 
Non-interest expense:
Salaries and employee benefits356 34 12 2 404 
Other332 7 4 21 364 
Total non-interest expense688 41 16 23 768 
Income tax expense (benefit)122 5 — (11)116 
Net income (loss)$451 $18 $1 $(31)$439 
Total assets$51,706 $51 $40 $256 $52,053 
Total loans and leases36,487 — — 50 36,537 
Total deposits39,883 — — (333)39,550 
Market value of assets under administration - FNTC and FNIS (1)
— 15,207 — — 15,207 
(in millions)Community
Banking		Wealth
Management		InsuranceParent and
Other		Consolidated
At or for the Nine Months Ended September 30, 2025
Interest income$1,734 $— $— $4 $1,738 
Interest expense667 — — 41 708 
Net interest income (loss)1,067 — — (37)1,030 
Provision for credit losses67 — — — 67 
Non-interest income:
Service charges68 — — — 68 
Interchange and card transaction fees39 — — — 39 
Trust services— 36 — — 36 
Insurance commissions and fees— — 16 — 16 
Securities commissions and fees— 27 — — 27 
Capital markets income16 — — 4 20 
Mortgage banking operations22 — — — 22 
Other57 — — (8)49 
Total non-interest income202 63 16 (4)277 
Non-interest expense:
Salaries and employee benefits352 32 11 1 396 
Other306 10 4 20 340 
Total non-interest expense658 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 leases34,911 — — 46 34,957 
Total deposits38,894 — — (453)38,441 
Market value of assets under administration - FNBIA, FNTC and FNIS (1)
— 14,885 — — 14,885 
(1) The assets under administration are not held on our Consolidated Balance Sheets.