{"schema_version":"secwatch.filing_event.v1","accession":"0000037808-25-000089","form_type":"8-K","ticker":"FNB","cik":"0000037808","company_name":"FNB CORP/PA/","filed_at":"2025-04-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.964628+00:00","generated_at":"2026-05-23T12:33:47.285206+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"F.N.B. reports Q1 EPS $0.32 (flat YoY); record CET1 capital ratio 10.7%","bullets":["Net income available to common shareholders $116.5M ($0.32 diluted) vs $116.3M ($0.32) a year ago.","Net interest income $323.8M, up 0.5% linked quarter; net interest margin (FTE) stable at 3.03%.","Period-end loans +5.1% YoY to $36.2B; deposits +7.2% YoY to $39.4B.","Tangible book value per share (non-GAAP) rose 12.3% to $10.83; CET1 ratio 10.7%.","Net charge-offs annualized 0.15%; non-performing loans ratio stable at 0.48%."],"urls":{"canonical":"https://secwatch.observer/filing/0000037808-25-000089","json":"https://secwatch.observer/filing/0000037808-25-000089.json","markdown":"https://secwatch.observer/filing/0000037808-25-000089.md","text":"https://secwatch.observer/filing/0000037808-25-000089.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/37808/000003780825000089/0000037808-25-000089-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/37808/000003780825000089/fnb-20250416.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T12:33:47.285206+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"}