secwatch.observer — SEC 8-K summary
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Issuer:     FNB CORP/PA/ (FNB)
CIK:        0000037808
Form:       8-K
Filed at:   2025-07-18T23:59:59+00:00
Accession:  0000037808-25-000125
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/37808/000003780825000125/0000037808-25-000125-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/37808/000003780825000125/fnb-20250717.htm
  HTML page:      https://secwatch.observer/filing/0000037808-25-000125

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer