FNB completes Howard Bancorp merger; pro forma assets $42B, deposits $33B

FNB CORP/PA/

Merger closed Jan 22, 2022; each Howard share converted into 1.8 FNB shares.
Pro forma total assets ~$42B, total loans ~$27B, total deposits ~$33B.
FNB now holds #6 retail deposit share in Baltimore MSA; customer conversion Feb 7, 2022.
Howard stock delisted from NASDAQ; options and RSUs converted at 1.8 ratio.
Acquisition adds scale in Mid-Atlantic; new customers gain digital banking and wealth services.

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