FNB Q2 2025 EPS $0.36, record revenue $438M, CET1 rises to 10.8%

FNB CORP/PA/

2025-Q2 EPS reported $0.68

Net income $130.7M ($0.36 diluted EPS) vs $123.0M ($0.34) in Q2 2024 and $116.5M ($0.32) in Q1 2025.
Record revenue $438M (+6.5% linked-quarter); net interest income record $347.2M (+7.2% QoQ).
NIM expanded 16 bps to 3.19% (FTE); net charge-offs $21.8M (0.25% annualized) vs $12.5M (0.15%) prior quarter.
CET1 ratio 10.8% (estimated), ATH; tangible book value $11.14, up 12.8% YoY.
Average loans $34.5B (+3.7% YoY), deposits $37.1B (+7.3%); loan-to-deposit 92% vs 96% year ago.

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