---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-21-307620"
form_type: "8-K"
ticker: "FNB"
cik: "0000037808"
company_name: "FNB CORP/PA/"
filed_at: "2021-10-26T23:59:59+00:00"
generated_at: "2026-06-28T18:11:01.802487+00:00"
event_type: "m_and_a"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# F.N.B. receives final regulatory clearances for Howard Bancorp merger; vote Nov. 9

## Summary
- Final approvals received from Federal Reserve, OCC, and Maryland regulator for Howard Bancorp merger.
- Deal expected to be 4% accretive to EPS with minimal tangible book value impact; CET1 ratio unchanged.
- Howard stockholders to vote on merger on Nov. 9; exchange ratio fixed at 1.8 FNB shares per Howard share.
- Combined bank projected to become sixth largest deposit holder in Baltimore, MD.

## SEC filing metadata
- accession: 0001193125-21-307620
- form_type: 8-K
- ticker: FNB
- cik: 0000037808
- company_name: FNB CORP/PA/
- filed_at: 2021-10-26T23:59:59+00:00
- event_type: m_and_a
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/37808/000119312521307620/0001193125-21-307620-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/37808/000119312521307620/d229558d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-21-307620
- JSON: https://secwatch.observer/filing/0001193125-21-307620.json
- Plain text: https://secwatch.observer/filing/0001193125-21-307620.txt

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