---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-22-015532"
form_type: "8-K"
ticker: "FNB"
cik: "0000037808"
company_name: "FNB CORP/PA/"
filed_at: "2022-01-24T23:59:59+00:00"
generated_at: "2026-06-27T16:21:03.568250+00:00"
event_type: "m_and_a"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001193125-22-015532
- form_type: 8-K
- ticker: FNB
- cik: 0000037808
- company_name: FNB CORP/PA/
- filed_at: 2022-01-24T23:59:59+00:00
- event_type: m_and_a
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/37808/000119312522015532/0001193125-22-015532-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/37808/000119312522015532/d288594d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-22-015532
- JSON: https://secwatch.observer/filing/0001193125-22-015532.json
- Plain text: https://secwatch.observer/filing/0001193125-22-015532.txt

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