---
schema_version: "secwatch.filing_event.v1"
accession: "0000037808-21-000024"
form_type: "8-K"
ticker: "FNB"
cik: "0000037808"
company_name: "FNB CORP/PA/"
filed_at: "2021-07-20T23:59:59+00:00"
generated_at: "2026-06-30T04:17:03.409439+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# FNB Q2 2021 net income $99.4M ($0.31 EPS), up 22% YoY; record operating net income

## Summary
- Net income available to common stockholders $99.4M ($0.31 diluted EPS); operating EPS $0.31, up 22% YoY.
- Total revenue $308M; net interest income $227.9M stable; non-interest income $79.8M (+2.8%) on record wealth management.
- Provision for credit losses net benefit $1.1M (vs $30.2M expense YoY); net charge-offs 0.06% annualized.
- Loans ex-PPP grew 9% annualized linked-quarter; PPP loans $1.6B with $2.0B forgiveness processed.
- Tangible book value $8.20 (+$0.19 QoQ); CET1 10.0%; efficiency ratio 56.8%.

## SEC filing metadata
- accession: 0000037808-21-000024
- form_type: 8-K
- ticker: FNB
- cik: 0000037808
- company_name: FNB CORP/PA/
- filed_at: 2021-07-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/37808/000003780821000024/0000037808-21-000024-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/37808/000003780821000024/fnb-20210719.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000037808-21-000024
- JSON: https://secwatch.observer/filing/0000037808-21-000024.json
- Plain text: https://secwatch.observer/filing/0000037808-21-000024.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.