---
schema_version: "secwatch.filing_event.v1"
accession: "0000037808-21-000029"
form_type: "8-K"
ticker: "FNB"
cik: "0000037808"
company_name: "FNB CORP/PA/"
filed_at: "2021-10-19T23:59:59+00:00"
generated_at: "2026-06-28T20:06:49.675708+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# F.N.B. reports record Q3 2021 revenue of $321M, EPS $0.34 vs $0.25 YoY

## Summary
- Net income available to common stockholders $109.5M ($0.34 diluted EPS) vs $80.8M ($0.25) in Q3 2020.
- Total revenue record $321.3M, up 4.6% YoY; non-interest income record $88.9M, up 11%.
- Period-end loans ex-PPP up $867.6M (3.7%); average deposits grew $2.5B (8.6%).
- Net interest margin (FTE) 2.72%, up 2 bps linked quarter; cost of interest-bearing deposits improved to 0.21%.
- Annualized net charge-offs 0.03% vs 0.29% YoY; provision for credit losses net benefit $1.8M.

## SEC filing metadata
- accession: 0000037808-21-000029
- form_type: 8-K
- ticker: FNB
- cik: 0000037808
- company_name: FNB CORP/PA/
- filed_at: 2021-10-19T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/37808/000003780821000029/0000037808-21-000029-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/37808/000003780821000029/fnb-20211018.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000037808-21-000029
- JSON: https://secwatch.observer/filing/0000037808-21-000029.json
- Plain text: https://secwatch.observer/filing/0000037808-21-000029.txt

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