rising sun bancorp
Rising Sun Bancorp is a regional bank holding company operating First National Bank, a top-50 U.S. bank with more than $50 billion in assets, 350+ branches and approximately 1,800 ATMs across seven states and Washington D.C., serving consumer, small business, middle-market corporate, government, and high-net-worth clients through integrated branch and digital banking channels.
- Company typePublic
- Founded1864
- HeadquartersRising Sun, United States
- Headcount—
- GTM typeB2B and B2C
- OfferingServices
What rising sun bancorp does
Rising Sun Bancorp is a regional bank holding company that operates a diversified consumer, commercial, and wealth management franchise under the First National Bank and FNB brand. The company is one of the top 50 largest U.S.-based bank holding companies, with total assets of more than $50 billion (nearly $51 billion as of 2026), more than 350 branch locations, and approximately 1,800 ATMs spanning seven states (Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Virginia) and Washington D.C. Its operating bank subsidiary, First National Bank of Pennsylvania, offers a full suite of deposit, lending, and payment products alongside specialty banking for physicians, students, estates, and high-net-worth clients; adjacent subsidiaries provide insurance brokerage (First National Insurance Agency, est. 1998) and wealth management (F.N.B. Wealth Management, est. 1998).
The core technology stack is anchored by an integrated digital banking platform comprising web-based Online Banking, the FNB Direct mobile application, a 1,800-ATM network with Smart Deposit envelope-free and TellerChat video-enabled capabilities, 24-hour Telephone Banking, and a proprietary eStore digital marketplace unified through a Common App for account opening, loan applications, and product discovery across mobile, web, and branch channels. Functional add-ons include CardGuard debit controls with real-time alerts and spend limits, Mobile Deposit via check imaging, biometric authentication, Credit Center (VantageScore 3.0 via TransUnion), Zelle P2P payments, and Direct Deposit Switch integrations with Workday and ADP payroll systems. Card products support Apple Pay, Samsung Pay, and Google Pay tokenized wallet transactions. Back-office capabilities extend to syndicated lending, interest-rate and commodity hedging, and municipal bond underwriting for corporate and government clients.
The business model combines net interest income from the loan portfolio (commercial and consumer lending funded by deposits) with fee-based revenue from wealth management advisory and asset management, capital markets transactions, insurance commissions, deposit and transaction fees, and lease financing. Distribution is multi-channel via a relationship-driven corporate banking sales force for middle-market and large corporate clients, a Click-to-Bricks consumer/SMB motion that pairs the 350+ branch footprint with digital tools, and dedicated wealth and insurance advisors. Founded in 1864 in West Greenville, Pennsylvania, the company moved its headquarters to Pittsburgh in 2014 and to the new FNB Financial Center in 2024, has traded on the NYSE under ticker FNB since 2003, and is a constituent of the S&P MidCap 400.
rising sun bancorp firmographics
Firmographics- Name
- rising sun bancorp
- Legal name
- F.N.B. Corporation
- Website
- https://nbrs.com
- Company type
- Public
- Founded year
- 1864
- Operating status
- Operating
- Short description
- Rising Sun Bancorp is a regional bank holding company operating First National Bank, a top-50 U.S. bank with more than $50 billion in assets, 350+ branches and approximately 1,800 ATMs across seven states and Washington D.C., serving consumer, small business, middle-market corporate, government, and high-net-worth clients through integrated branch and digital banking channels.
- Ownership category
- akta.pro rank
rising sun bancorp industry classification
Industry- Product category
- Community Banking
- NAICS
- Offices of Bank Holding Companies (551111), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022), National Commercial Banks (6021)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industry
- Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ)
Keywords
Where rising sun bancorp is headquartered
LocationHeadquarters
- HQ city
- Rising Sun
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
rising sun bancorp business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D
Revenue model
- Net Interest Income: Interest income from loan portfolio (commercial and consumer lending) minus interest paid on deposits. Primary revenue driver for regional bank.
- Wealth Management: Asset management, private banking, and brokerage services generating fee-based income from managed assets and advisory relationships.
- Insurance Revenue: Commission income from insurance products through First National Insurance Agency (established 1998).
- Capital Markets: Syndicated lending, interest rate and commodity hedging strategies, and municipal bond underwriting for corporate clients.
- Deposit and Transaction Fees: Non-interest income from deposit accounts, wire transfers, overdraft fees, and other transaction-based banking services.
- Lease Financing: Equipment and asset lease financing solutions for commercial customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Free basic banking services with eligible account |
Go-to-market motion2 records
Distribution channels8 records
Marketing channels7 records
rising sun bancorp product offering
Product offeringCore offering
Rising Sun Bancorp operates as a community-focused bank holding company providing retail and commercial banking services across consumer, small business, commercial, wealth management, and capital markets segments. It delivers deposits, mortgage and consumer lending, treasury management, insurance, asset management, and capital markets solutions through a hybrid branch plus digital channel distribution model serving customers in multiple states and Washington D.C.
Product overview
First National Bank operates a multi-channel banking platform consisting of core banking services (Online Banking, Mobile Banking via FNB Direct app, ATM Banking with Smart Deposit functionality, Telephone Banking, and eStore digital marketplace) combined with specialized product lines including Visa debit and credit cards, various loan products (mortgages, home equity, personal loans, vehicle loans), wealth management, insurance, and specialty banking services. The digital banking ecosystem is enhanced by integrated security and convenience features including CardGuard debit controls, Mobile Deposit, Biometric Security login, Credit Center, Zelle P2P payments, and Direct Deposit Switch. The eStore serves as a unified portal for product discovery and application across the FNB portfolio.
Differentiator
Problem solved
Functional benefit
Brands
- eStore: A seamless way to shop for products and financial services, open accounts, apply for loans, and connect with banking experts via mobile app, computer, or in branch.
- CardGuard
- FNB Direct
Products and services
- Online Banking Web-based banking platform that provides account access, funds transfers, bill payment, debit card management, and credit score monitoring from any browser for consumer and small business customers.
- FNB Direct Mobile Banking Mobile application for smartphones providing full banking functionality including account access, transfers, bill pay, mobile check deposit, biometric login, CardGuard controls, Zelle P2P payments, and Credit Center credit monitoring.
- ATM Banking Network Network of approximately 1,800 ATMs across the bank's multi-state footprint offering cash access, check deposits, PIN changes, loan payments, Smart Deposit envelope-free transactions, and TellerChat video-enabled banker assistance seven days a week.
- Telephone Banking 24-hour automated telephone banking plus live representative support seven days a week and Text Banking via SMS, providing account access, transfers, and transactions for consumer and small business customers.
- eStore Digital Marketplace Proprietary unified digital marketplace for discovering and applying for banking products, opening accounts, applying for loans, and connecting with banking experts via mobile app, web, or in-branch.
- Visa Debit Card Debit card enabling cash access at ATMs nationwide and purchases anywhere Visa is accepted, with chip technology and integrated CardGuard security controls.
- FNB Visa Credit Card with ScoreCard Rewards Credit card earning one point per $1.00 in qualifying purchases with no point limit, redeemable for travel, merchandise, and gift cards.
- Mortgages Home purchase, refinance, construction, and renovation loan products including mortgage solutions tailored for physicians.
- Home Equity Loans and Lines of Credit Home equity installment loans and lines of credit for borrowing against home equity, including the Home Equity Plus Program.
- Personal Loans Installment loans, lines of credit, personal credit cards, student loans, student refinance loans, and FNB CashPlease small-dollar loans.
- Vehicle Loans Automobile loans, boat/yacht loans, and recreational vehicle loans for vehicle financing.
- Wealth Management Portfolio management, financial planning, wealth management, and protection planning services for investment and retirement needs delivered through F.N.B. Wealth Management.
- Private Banking Banking services for high-net-worth clients including specialized checking, savings, mortgages, and loans with personalized service.
- Specialty Banking Programs Specialty banking services including Private Banking, Student Banking, Workplace Banking, Estate Banking, and Physician Banking with tailored financial solutions.
- Insurance Life insurance, homeowners insurance, auto insurance, renters insurance, watercraft insurance, and motorcycle insurance sold through First National Insurance Agency.
- Corporate Banking and Capital Markets Relationship-driven corporate banking, small business banking, capital markets (syndicated lending, interest rate and commodity hedging, municipal bond underwriting), and treasury management services for middle market and large corporate clients.
- Lease Financing Equipment and asset lease financing solutions for commercial customers.
Quantifiable outcome
- Returned $2.3 billion of capital to shareholders since 2009
- +4 more outcomes
Companies that use rising sun bancorp
Customer profileNamed customers7 records
Segments7 records
Ideal customer profiles4 records
rising sun bancorp technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature11 records
rising sun bancorp partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and major.
- Pittsburgh International AirportcoreFNB is a Proud Partner of Pittsburgh International Airport (PIT), providing financial services to travelers and airport operations. Partnership announced May 27, 2026.
- Early Warning Services, LLC (Zelle)coreFNB integrates Zelle peer-to-peer payment service through Online and Mobile Banking. Zelle and related marks are owned by Early Warning Services, LLC.
- Apple Inc. (Apple Pay)coreFNB debit and credit cards are compatible with Apple Pay digital wallet on iOS devices (iPhone, Apple Watch, iPad) for secure contactless payments.
- Samsung Electronics (Samsung Pay)coreFNB debit cards are compatible with Samsung Pay for mobile payments on Samsung Galaxy devices.
- Google LLC (Google Pay)coreFNB debit cards are compatible with Google Pay for Android devices.
- WorkdaymajorDirect Deposit Switch integration allows employees to switch direct deposit to FNB through Workday payroll platform.
- ADP (Automatic Data Processing)majorDirect Deposit Switch integration allows employees to switch direct deposit to FNB through ADP payroll platform.
- TransUnionmajorCredit Center pulls credit profile from TransUnion for VantageScore credit monitoring within Online and Mobile Banking.
- Export-Import Bank of the United StatesmajorFNB recognized as Lender of the Year 2026 for export lending through partnership with Export-Import Bank of the United States.
Scale indicators17 records
Recent moves6 records
Expansion highlights6 records
rising sun bancorp competitors and assessment
Company assessmentDirect peers
- Citizens Financial Group: Citizens Financial Group is a top-25 U.S. regional bank holding company headquartered in Providence, RI with a comparable multi-state Mid-Atlantic/Northeast footprint, similar consumer + commercial + wealth mix, and overlapping competition in Pittsburgh, Philadelphia, and Baltimore MSAs.
- M&T Bank Corporation: M&T Bank is a Buffalo-based regional bank holding company with a virtually identical Mid-Atlantic/Northeast branch footprint and very similar consumer, commercial, and wealth management product mix, making it one of the closest direct competitors.
- KeyCorp: KeyCorp is a Cleveland-based regional bank holding company of comparable asset size with similar commercial banking, consumer, and wealth franchises and direct competition in Ohio and Pennsylvania markets.
- Regions Financial Corporation: Regions Financial is a Birmingham, AL-based regional bank of similar asset scale that competes head-to-head in the Southeastern U.S. consumer and commercial banking segments and offers analogous wealth management and capital markets capabilities.
- Huntington Bancshares: Huntington Bancshares is a Columbus, OH-based regional bank of comparable size with an overlapping Pennsylvania/Ohio/Mid-Atlantic presence and similar mix of consumer, commercial, wealth, and capital markets businesses.
- Fifth Third Bancorp: Fifth Third is a Cincinnati-based regional bank holding company of comparable asset size and similar Midwest/Mid-Atlantic operating footprint with consumer, commercial, wealth, and capital markets business lines.
- First Horizon Corporation: First Horizon is a Memphis-based regional bank of similar asset scale that has expanded into the Carolinas and Mid-Atlantic, overlapping with the subject's Southeast expansion footprint and competing in consumer, commercial, and wealth.
- Synovus Financial: Synovus is a Columbus, GA-based regional bank with a strong Southeastern U.S. presence competing head-to-head in the Carolinas, Georgia, and Florida consumer and commercial banking markets of strategic importance to the subject.
Broad incumbents
- Truist Financial Corporation: Truist is a larger super-regional bank formed from the BB&T/SunTrust merger that competes directly across the same Southeast/Mid-Atlantic geography with a much broader product portfolio, making it an incumbent benchmark rather than a same-scale peer.
- PNC Financial Services: PNC is a larger super-regional bank sharing the same Pittsburgh headquarters market and competing directly across Pennsylvania, Ohio, and the Mid-Atlantic with broader capital markets and treasury management capabilities.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
rising sun bancorp social profiles
Digital presencerising sun bancorp financial estimates
Financial estimateRevenue estimate
Valuation estimate
rising sun bancorp leadership team
Management profileNumber of profiles
rising sun bancorp subsidiaries and ownership
Company hierarchySubsidiaries3 records
rising sun bancorp funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
rising sun bancorp M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about rising sun bancorp
What does rising sun bancorp do?
Rising Sun Bancorp operates as a community-focused bank holding company providing retail and commercial banking services across consumer, small business, commercial, wealth management, and capital markets segments. It delivers deposits, mortgage and consumer lending, treasury management, insurance, asset management, and capital markets solutions through a hybrid branch plus digital channel distribution model serving customers in multiple states and Washington D.C.
Is rising sun bancorp a public or private company?
rising sun bancorp is a public company. It is classified as unknown and is currently operating.
When was rising sun bancorp founded?
rising sun bancorp was founded in 1864.
Where is rising sun bancorp based?
rising sun bancorp is headquartered in Rising Sun, United States, in the North America region.
How does rising sun bancorp make money?
Six revenue lines are on record. Net Interest Income is the primary driver. The others are wealth Management, insurance Revenue, capital Markets, deposit and Transaction Fees and lease Financing.
Who are rising sun bancorp's main competitors?
Direct peers on record are Citizens Financial Group, M&T Bank Corporation, KeyCorp, Regions Financial Corporation, Huntington Bancshares, Fifth Third Bancorp, First Horizon Corporation and Synovus Financial. Broad incumbents are Truist Financial Corporation and PNC Financial Services.
Does rising sun bancorp have an API?
No public API is recorded for rising sun bancorp.
What industry is rising sun bancorp in?
rising sun bancorp's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAJ, Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank). Its NAICS code is 551111 and its SIC code is 6022.