{"schema_version":"secwatch.filing_event.v1","accession":"0000037808-25-000125","form_type":"8-K","ticker":"FNB","cik":"0000037808","company_name":"FNB CORP/PA/","filed_at":"2025-07-18T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.084334+00:00","generated_at":"2026-05-18T05:52:20.284063+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"FNB Q2 2025 EPS $0.36, record revenue $438M, CET1 rises to 10.8%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000037808-25-000125","json":"https://secwatch.observer/filing/0000037808-25-000125.json","markdown":"https://secwatch.observer/filing/0000037808-25-000125.md","text":"https://secwatch.observer/filing/0000037808-25-000125.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/37808/000003780825000125/0000037808-25-000125-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/37808/000003780825000125/fnb-20250717.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T05:52:20.284063+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"}