F.N.B. Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	2,498	2,419	1,576	1,674	3,493
Investment Securities	-	1,821	1,969	1,853	1,692
Trading Asset Securities	-	117	116	96	185
Mortgage-Backed Securities	7,844	5,721	5,278	5,596	5,284
Total Investments	7,844	7,659	7,363	7,545	7,161
Gross Loans	34,777	34,045	32,414	30,324	25,004
Allowance for Loan Losses	-439	-423	-406	-402	-344
Other Adjustments to Gross Loans	-	-106	-91	-69	-36
Net Loans	34,338	33,516	31,917	29,853	24,624
Property, Plant & Equipment	568	731.6	461	432	345
Goodwill	2,480	2,478	2,477	2,477	2,262
Other Intangible Assets	36	51	69	89	42
Loans Held for Sale	515	218	488	124	295
Accrued Interest Receivable	-	157.3	152.9	122.2	68.5
Other Real Estate Owned & Foreclosed	3	3	3	6	8
Other Long-Term Assets	1,947	1,205	1,433	1,276	1,093
Total Assets	50,229	48,625	46,158	43,725	39,513
Interest Bearing Deposits	28,845	23,280	21,266	21,005	19,618
Institutional Deposits	-	4,066	3,223	1,849	1,319
Non-Interest Bearing Deposits	9,914	9,761	10,222	11,916	10,789
Total Deposits	38,759	37,107	34,711	34,770	31,726
Short-Term Borrowings	2,017	1,569	2,834	1,783	1,581
Current Portion of Leases	-	36	-	-	-
Long-Term Debt	1,901	1,189	698	1,021	615
Federal Home Loan Bank Debt, Long-Term	-	1,750	1,200	-	-
Long-Term Leases	-	242	-	-	-
Trust Preferred Securities	-	73	73	72	67
Other Long-Term Liabilities	793	357	592	426	374
Total Liabilities	43,470	42,323	40,108	38,072	34,363
Preferred Stock, Redeemable	-	-	107	107	107
Common Stock	4	4	4	4	3
Additional Paid-In Capital	4,695	4,695	4,692	4,696	4,109
Retained Earnings	2,343	1,952	1,669	1,370	1,110
Treasury Stock	-220	-180	-187	-167	-117
Comprehensive Income & Other	-63	-169	-235	-357	-62
Total Common Equity	6,759	6,302	5,943	5,546	5,043
Shareholders' Equity	6,759	6,302	6,050	5,653	5,150
Total Liabilities & Equity	50,229	48,625	46,158	43,725	39,513
Total Debt	3,918	4,859	4,805	2,876	2,263
Net Cash (Debt)	-1,420	-2,323	-3,113	-1,106	1,415
Net Cash Per Share	-3.92	-6.41	-8.58	-3.12	4.37
Filing Date Shares Outstanding	357.3	359.72	358.95	360.63	353.1
Total Common Shares Outstanding	357.3	359.62	358.83	360.47	318.93
Book Value Per Share	18.92	17.52	16.56	15.39	15.81
Tangible Book Value	4,243	3,773	3,397	2,980	2,739
Tangible Book Value Per Share	11.88	10.49	9.47	8.27	8.59

Updated Jan 20, 2026. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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