What F.N.B. Corp. does

F.N.B. Corporation is a Pittsburgh-headquartered diversified financial services corporation and bank holding company founded in 1864 (originally as First National Bank of Pennsylvania). It operates approximately 350 banking offices and 1,800+ ATMs across seven states — Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, and Virginia — plus Washington, D.C. As of FY2025 the company holds approximately $51 billion in total assets and generated $1.8 billion in total revenue, with an 11.4% CET1 capital ratio. It serves consumer, small business ($1–$10M in sales), middle market ($10–$500M), commercial, and wealth management clients through First National Bank of Pennsylvania (core bank), FNB America Securities LLC (broker-dealer), and acquired platforms including Howard Bank, UB Bancorp, and Raptor Partners.

The company's core technology is the proprietary eStore digital marketplace and the eStore Common App, which lets customers apply to more than 50 consumer and business products through a single AI-assisted form. The "Clicks-to-Bricks" omnichannel strategy integrates web, the FNB Direct mobile app, and in-branch digital kiosks with the physical branch and ATM network. Differentiated features include Payment Switch (automated migration of recurring ACH/debit payments via an Atomic partnership), Direct Deposit Switch (instant payroll switching), Instant Payments (sub-15-second settlement), ATMs with TellerChat live video banking, and an in-pilot AI-powered advisor platform supporting wealth advisors. New headquarters at 626 Washington Place in Pittsburgh's Hill District and a Digital Banking Center at Pittsburgh International Airport's new $1.7 billion terminal extend physical-digital integration.

The revenue model is dominated by net interest income ($365.4M in Q4 2025), complemented by fee income from wealth management (+15% YoY in Q4 2025), service charges and treasury management, mortgage banking, capital markets (interest rate and commodity hedging, debt capital markets, investment banking via Raptor Partners, and municipal bond underwriting), bank-owned life insurance, and insurance commissions. Go-to-market is hybrid: omnichannel digital acquisition for consumers via eStore and mobile, combined with enterprise field sales for commercial, capital markets, and government banking across the seven-state footprint. Capital return totals approximately $2.3 billion in dividends and buybacks since 2009 under CEO Vincent J. Delie, Jr., with a Q1 2026 dividend of $0.13 per share (8% sequential increase) and a $250 million buyback authorization.

Name

F.N.B. Corp.

Legal name

F.N.B. Corporation

Website

https://fnb-online.com

Company type

Public

Founded year

1864

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

F.N.B. Corporation is a Pittsburgh-based bank holding company operating approximately 350 branches and 1,800+ ATMs across seven Mid-Atlantic and Southeast states. Founded in 1864, it serves consumer, small business, middle market, and commercial clients with deposits, lending, wealth, and capital markets services.

Ownership category

akta.pro rank

Product category

Diversified Commercial and Retail Banking

NAICS

Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

Digital Retail Banking (Online & Mobile) (FSABAAAF)

akta.pro secondary industries

Digital Banking & Neobank Platforms (BPAMAFAD), Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Commercial banking services
• Consumer banking products
• Wealth management solutions
• Mortgage lending services
• Capital markets advisory

Headquarters

HQ city

Hermitage

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Net Interest Income: Interest income earned on loan and investment portfolios minus interest paid on deposits and borrowings. Core revenue driver representing majority of total revenue. Q4 2025 net interest income was $365.4 million. Full year 2025 total revenue was $1.8 billion.
2. Wealth Management: Asset management, private banking and insurance services generating trust services income and securities commissions. Q4 2025 wealth management revenues increased $2.8 million or 15.0% year-over-year.
3. Service Charges and Fees: Fee income from treasury management services, consumer transaction volumes, and other banking services. Includes increased treasury management fee revenue.
4. Mortgage Banking Operations: Revenue from mortgage originations, gain-on-sale, and mortgage servicing rights. Mortgage banking operations income was impacted by sold loan volumes and MSR amortization.
5. Capital Markets Income: Revenue from interest rate and commodity hedging, debt capital markets, investment banking, mezzanine financing, international banking services including foreign exchange and hedging solutions. Q4 2025 capital markets income was $6.5 million.
6. Bank-Owned Life Insurance: Income from BOLI policies reflecting higher life insurance claims.
7. Insurance Commissions: Insurance products offered through subsidiary network including life insurance, homeowners insurance, auto insurance, renters insurance, and other personal insurance products.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

F.N.B. Corporation, through its primary subsidiary First National Bank of Pennsylvania, delivers a full range of consumer and commercial banking products (deposit accounts, mortgages, home equity, personal, vehicle, and business loans), wealth management, insurance, and capital markets services. Its proprietary eStore digital marketplace and Common App let consumers and businesses apply for more than 50 products simultaneously through a single AI-driven digital application, supported by approximately 350 branches, 1,800+ ATMs, and a Clicks-to-Bricks omnichannel strategy.

Product overview

F.N.B. Corp. operates as a diversified financial services company offering a unified banking platform with multiple integrated products and services. The core digital experience is anchored by the proprietary eStore® digital marketplace and the eStore® Common Application, which enables customers to apply for 50+ products simultaneously. The Clicks-to-Bricks strategy unifies digital channels (Mobile Banking, Online Banking, eStore) with physical delivery (350+ branches, ATMs with TellerChat). Key product categories include: consumer banking (checking, savings, mortgages, personal loans, vehicle loans, credit cards), commercial banking (corporate banking, small business banking, equipment finance, capital markets), wealth management (investment services, private banking), insurance, and specialized services (municipal bond underwriting, investment banking through Raptor Partners). Digital features like Payment Switch, Direct Deposit Switch, and Instant Payments enhance account onboarding and payment capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• eStore: Proprietary digital banking platform and marketplace where customers can shop for products and services, open accounts, apply for loans, schedule appointments with FNB experts, and access financial education. Includes the Common application for simultaneous multi-product applications.
• eStore Common Application
• Payment Switch
• Direct Deposit Switch
• Clicks-to-Bricks

Products and services

• eStore Digital Marketplace Proprietary digital marketplace platform where consumers and businesses can shop for financial products and services, open accounts, apply for loans, schedule appointments with bankers, and access financial education resources; core component of FNB's Clicks-to-Bricks omnichannel strategy, available via web, mobile app, and interactive kiosks in branches.
• eStore Common App Universal digital application enabling clients to apply for more than 50 consumer and business products simultaneously through a single streamlined form, leveraging AI-driven insights and advanced data analytics to minimize keystrokes.
• Mobile Banking (FNB Direct) Comprehensive mobile banking application providing 24/7 access to account management, bill pay, funds transfer, mobile check deposit, and integration with FNB's digital services.
• Online Banking Full-featured web-based banking platform providing access to account activity, bill pay, funds transfer, and digital banking services including the eStore digital marketplace.
• Checking and Savings Accounts Comprehensive checking and savings account products including multiple checking options, savings accounts, and Certificates of Deposit (CDs) with competitive rates.
• Mortgages Home purchase and refinance mortgage lending including purchase mortgages, refinance options, construction loans, renovation loans, and specialized mortgage solutions for physicians.
• Home Equity Loans Home equity installment loans and home equity lines of credit (HELOC) for homeowners to access equity for major purchases, debt consolidation, or other financial needs.
• Personal Loans and Credit Cards Installment loans, lines of credit, personal credit cards, student loans, student refinance loans, and FNB CashPlease Small Dollar Loan for various personal financing needs.
• Vehicle Loans Automobile loans, boat/yacht loans, and recreational vehicle loans for vehicle purchases.
• Investment Services and Wealth Management Wealth management services including portfolio management, financial planning, wealth management, and protection planning.
• Private Banking Specialized banking services for high-net-worth clients including checking and savings, mortgages, and loans and credit with personalized service.
• Insurance Comprehensive insurance products including life insurance, homeowners insurance, auto insurance, renters insurance, watercraft insurance, and motorcycle insurance through FNB's subsidiary network.
• Commercial Banking Corporate banking, small business banking, investment real estate financing, government banking, business credit, capital markets, and equipment financing for commercial clients.
• Municipal Bond Underwriting Capital markets service helping municipalities, school districts, and other government entities finance major projects such as infrastructure upgrades or heavy equipment purchases, delivered through FNB's broker-dealer subsidiary FNB America Securities LLC.
• Investment Banking Advisory Services Corporate investment banking and advisory services including mergers and acquisitions advisory, corporate finance advisory, valuation advisory, and private capital raising, expanded through the acquisition of Raptor Partners LLC.

Quantifiable outcome

• More than 300% increase in online application volume in Q4 2025 compared to Q4 2024
• +5 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability6 records

Feature7 records

Partnerships

Six partnerships are on record, tiered strategic, minor, flagship and core.

• Pittsburgh International AirportstrategicGTM or Marketing Partner · 27 May 2026FNB is a Proud Partner of Pittsburgh International Airport following opening of new $1.7 billion terminal. Partnership includes Digital Banking Center at terminal, prominent brand visibility across digital signage network, and branding for hundreds of weekly flights. Reflects shared commitment to innovation and economic growth.
• Edge GrowthminorStrategic or Co-development Partner · 22 May 2026Edge Growth partnered with FNB to launch the Agro Processor Scale-Up Programme in South Africa. 18-month initiative offering mentorship, AI tools, and business development support to black-owned agro-processing SMEs with annual revenue between R10m and R30m. Applications open July 2026 through December 2027, maximum seven companies selected.
• Penn State UniversityflagshipStrategic or Co-development Partner · 20 March 2026FNB named official and exclusive financial provider for all Penn State campuses, enrolling nearly 90,000 students and employing 36,000+ employees. Comprehensive relationship encompasses on-campus and digital banking services, award-winning eStore technology platform, financial education programming, and Treasury Management and Corporate Banking support. FNB becomes Penn State Keystone Partner with high-visibility branding.
• Orange Grove Dairy, Milk Producers' Organisation, KwaZulu-Natal Department of AgricultureminorStrategic or Co-development Partner · 27 February 2026FNB sponsored one of two vehicles used for Foot and Mouth Disease vaccine distribution in KwaZulu-Natal, South Africa. Collaboration brought together industry bodies, government agencies and private sector partners for vaccine distribution as part of containment efforts.
• AtomiccoreTechnology or Integration · 14 April 2025Strategic fintech partnership for Direct Deposit Switch and Payment Switch capabilities. FNB partnered with Atomic to enable customers to move payroll direct deposits instantaneously and automatically move recurring ACH/debit card payments to FNB. FNB made a strategic investment in Atomic's fundraising initiative for ownership interest.
• Raptor Partners LLCcoreStrategic or Co-development Partner · 8 April 2025FNB acquired Raptor Partners, a Pittsburgh-based independent investment banking firm focused on financial advisory services for public and private companies. Transaction enhances FNB's Capital Markets capabilities with emphasis in mergers and acquisitions, corporate finance, valuation advisory, and private capital raising. Founder Craig Wolfanger joins as Managing Director and Head of Investment Banking.

Scale indicators16 records

Recent moves8 records

Expansion highlights7 records

Direct peers

• Huntington Bancshares: Mid-cap regional bank (~$200B assets) headquartered in Columbus, Ohio with similar commercial + consumer + digital banking model across Midwest and Mid-Atlantic. Closely comparable to FNB in business mix (commercial banking, consumer, wealth, payments) and digital-first orientation.
• M&T Bank: Mid-cap regional bank (~$200B assets) with deep Mid-Atlantic and Northeast footprint including significant Pennsylvania presence. Offers the same diversified commercial and consumer banking services with a relationship-driven model similar to FNB.
• KeyCorp: Mid-cap regional bank (~$190B assets) headquartered in Cleveland, Ohio. Comparable commercial banking, consumer, and wealth management franchise with overlapping Pennsylvania, Ohio, and Mid-Atlantic markets.
• Citizens Financial Group: Mid-cap regional bank (~$220B assets) with strong Northeast and Mid-Atlantic commercial banking franchise. Closely comparable business mix including commercial, consumer, wealth, and capital markets services.
• First Commonwealth Financial: Smaller Pennsylvania-based regional bank (~$11B assets) operating primarily in western and central PA. Most directly comparable smaller peer with similar commercial banking, consumer, and wealth management focus in overlapping Pennsylvania markets.
• WesBanco: Regional community bank (~$17B assets) headquartered in Wheeling, West Virginia with branches across WV, OH, PA, MD, and KY. Operates a similar community-oriented commercial and consumer banking model in geographies overlapping with FNB.
• S&T Bancorp: Pennsylvania-based regional bank (~$9B assets) headquartered in Indiana, PA. Operates consumer, commercial, and wealth banking services with a community focus directly overlapping with FNB's core western Pennsylvania footprint.
• Atlantic Union Bankshares: Virginia-based regional bank (~$24B assets) serving Virginia, Maryland, and North Carolina. Comparable size, footprint expansion into Mid-Atlantic/Southeast, and full-service commercial + consumer banking model.

Broad incumbents

• PNC Financial Services: Large super-regional bank (~$560B assets) headquartered in Pittsburgh with deep Pennsylvania and Mid-Atlantic presence. Overlaps significantly with FNB's core geography and product set but operates at much greater scale across consumer, commercial, and capital markets.
• Truist Financial: Large super-regional bank (~$530B assets) with major presence across the Southeast and Mid-Atlantic including the Carolinas, Virginia, and Maryland - geographies that overlap with FNB's expansion footprint. Comparable commercial and consumer banking capabilities at greater scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries5 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A8 records

Investments4 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about F.N.B. Corp.