---
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"
generated_at: "2026-06-23T02:46:55.253332+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# FNB Q3 2022 EPS $0.38 ($0.39 op); record revenue $380M; efficiency ratio 49%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000037808-22-000020
- JSON: https://secwatch.observer/filing/0000037808-22-000020.json
- Plain text: https://secwatch.observer/filing/0000037808-22-000020.txt

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