---
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"
generated_at: "2026-05-18T05:52:20.284063+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000037808-25-000125
- JSON: https://secwatch.observer/filing/0000037808-25-000125.json
- Plain text: https://secwatch.observer/filing/0000037808-25-000125.txt

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