---
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"
generated_at: "2026-05-23T12:33:47.285206+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 Q1 EPS $0.32 (flat YoY); record CET1 capital ratio 10.7%

## Summary
- 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%.

## SEC filing metadata
- 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
- 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/37808/000003780825000089/0000037808-25-000089-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/37808/000003780825000089/fnb-20250416.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000037808-25-000089
- JSON: https://secwatch.observer/filing/0000037808-25-000089.json
- Plain text: https://secwatch.observer/filing/0000037808-25-000089.txt

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