{"schema_version":"secwatch.filing_event.v1","accession":"0000037808-22-000020","form_type":"8-K","ticker":"FNB","cik":"0000037808","company_name":"FNB CORP/PA/","filed_at":"2022-10-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.193725+00:00","generated_at":"2026-06-23T02:46:55.253332+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"FNB Q3 2022 EPS $0.38 ($0.39 op); record revenue $380M; efficiency ratio 49%","bullets":["GAAP EPS $0.38 vs $0.34 year ago; operating EPS $0.39; revenue record $380M; net income $135.5M.","Net interest income rose 28% to $297.1M; NIM (FTE) expanded 43 bps to 3.19% linked-quarter.","Loans grew 16% YoY to $28.6B; deposits up 9% average YoY; period-end deposits +4.9% annualized linked-quarter.","Efficiency ratio (non-GAAP) improved to 49.4%, down 600 bps; net charge-offs low at 0.04%.","CET1 ratio 9.8%; tangible book value $8.02; AOCI impacted by higher rates, reducing tangible book by $1.08."],"urls":{"canonical":"https://secwatch.observer/filing/0000037808-22-000020","json":"https://secwatch.observer/filing/0000037808-22-000020.json","markdown":"https://secwatch.observer/filing/0000037808-22-000020.md","text":"https://secwatch.observer/filing/0000037808-22-000020.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/37808/000003780822000020/0000037808-22-000020-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/37808/000003780822000020/fnb-20221018.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T02:46:55.253332+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}