Record net interest income, with the net interest margin expanding; annualized growth rates for loans and deposits are 8.5% and 8.9% respectively.

Pittsburgh, October 19th / PRNewswire / -- F.N.B . Corporation (New York Stock Exchange ticker: FNB) announced its third-quarter results for 2026, with a net profit of $152.9 million and an earnings per diluted share of $0.43. In comparison, the net profit for the third quarter of 2025 was $149.5 million, with earnings per diluted share of $0.41; the net profit for the second quarter of 2026 was $148.7 million, with earnings per diluted share of $0.42.

From an operational perspective, there were no projects that had a significant impact on profitability in the third quarter of 2026 or the second quarter as well. In contrast, the net profit calculated from an operational standpoint in the third quarter of 2025 was $147.7 million, which was determined after excluding the impact of a major profit-making project amounting to $2.3 million before taxes.

F.N.B. Corporation Chairman, President, and CEO Vince Delie stated: " F.N.B. Corporation has delivered another strong quarter, with earnings per share diluted by $0.43, bringing the earnings per share diluted from the beginning of the year to date to $1.23, a 13% increase compared to the same period in 2025. In the third quarter of 2026, we achieved record net interest income, expanded our net interest margin, and increased the book value per share of tangible common stock (excluding GAAP) by 7% year-over-year. At the same time, we continued to return capital through share repurchases and attractive dividends. FNB continued to leverage technology investments to expand our market share in our diversified geographical footprint, with annualized loan growth of 8.5% and annualized deposit growth of 8.9%, both in line with our long-term organic growth trajectory. Our consistent credit standards helped maintain solid credit quality this quarter. By strategically investing in innovative technologies to expand core customer relationships and low-cost deposits, while continuing to focus on expanding high-value fee-based businesses for revenue diversification, we are building a stronger and more resilient franchise platform. The investments in these initiatives drove the strong performance in the third quarter and will create sustainable value for the future."

Key Points of the Third Quarter of 2026

• The average loan and leasing balance amounted to $36.1 billion, an increase of $1.3 billion, representing a growth rate of 3.7%; of this, average consumer loans increased by $1.2 billion, while average business loans and leases increased by $115.4 million.
• On a month-over-month basis, the total amount of loans and leases at the end of the period increased by $768 million, representing a year-on-year growth of 8.5%; of this, consumer loans increased by $435.3 million, while business loans and leases increased by $332.7 million.
• The average deposit amount was 38.8 billion US dollars, an increase of 914.1 million US dollars, representing a growth rate of 2.4%; average interest-bearing demand deposits increased by 640.6 million US dollars, average money market deposits increased by 443.8 million US dollars, average interest-free demand deposits increased by 134 million US dollars, and average savings deposits increased by 30.6 million US dollars, which partially offset the decrease of 334.8 million US dollars in average time deposits.
• On a month-over-month basis, the total deposits at the end of the period increased by $870.6 million, representing a year-on-year growth rate of 8.9%. Of this, money market deposits increased by $710.9 million, interest-bearing demand deposits increased by $239 million, and non-interest-bearing demand deposits increased by $77.5 million, which partially offset the decrease in time deposits of $121.4 million.
• As of September 30, 2026, the loan-to-deposit ratio was 92.4%, which remains relatively stable compared to 92.5% as of June 30, 2026, and 90.9% as of September 30, 2025.
• Net interest income amounted to $376.5 million, an increase of $10.8 million or 3.0% from the previous quarter. This increase was mainly due to the growth in interest-bearing assets, the higher yield on interest-bearing assets (non-GAAP), and the effect of one additional trading day this quarter, which offset a slight rise in funding costs. The net interest margin (FTE, non-GAAP) was 3.29%, up 4 basis points from the second quarter, as the cost of interest-bearing deposits remained stable and the yield on interest-bearing assets was higher. The Federal Open Market Committee (FOMC) raised the federal funds target rate by 25 basis points in September 2026.
• Pre-provision net income (excluding GAAP) was $212.2 million, an increase of 1.3% from the previous quarter, mainly driven by record net interest income.
• Credit loss provisions amounted to $19.6 million, a decrease of $1.7 million from the previous quarter; net write-offs were $11 million, accounting for 0.12% of the total average loans on an annualized basis, compared to $17 million in the previous quarter, which represented 0.19% on an annualized basis. The proportion of non-performing loans and other real estate holdings (OREO) to the total amount of loans, leases, and (OREO) increased by 2 basis points to 0.33% from the previous quarter, and the overall delinquency rate rose by 4 basis points to 0.75%. The loan loss reserve (ACL) as a percentage of the total loans and leases remained unchanged at 1.25%. The overall asset quality indicators are still at a satisfactory level.
• As of the end of the quarter, the common equity tier 1 capital adequacy ratio ( CET1 ) was estimated to be 11.3%, which is higher than 11.1% as of September 30, 2025, but lower than 11.4% as of June 30, 2026. The ratio of tangible common equity to tangible assets (non- GAAP ) was 8.7%, which remained the same as as of September 30, 2025, but lower than 8.9% as of June 30, 2026.
• The book value per share of tangible common stock (excluding GAAP) is $12.28, an increase of $0.80 from September 30, 2025, representing a growth of 7.0%; and an increase of $0.04 from June 30, 2026, representing a growth of 0.3%. As of September 30, 2026, cumulative other comprehensive income/losses ( AOCI) reduced the book value per share of tangible common stock by $0.53, mainly due to the impact of rising interest rates on the fair value of available-for-sale ( AFS) securities; this reduction was $0.22 on September 30, 2025, and $0.29 on June 30, 2026, respectively.
• In the third quarter of 2026, the company repurchased 51 million dollars' worth of common stock, totaling 2.7 million shares, at a weighted average price of $18.69 per share. Since the beginning of the year to date, the company has repurchased 133 million dollars' worth of common stock, totaling 7.4 million shares, at a weighted average price of $17.90 per share, which is equivalent to 2.1% of the outstanding shares at the beginning of the year.

Q3 2026 Performance – Compared to the Same Period Last Year

Net interest income amounted to $376.5 million, an increase of $17.3 million or 4.8% from the same period last year, reflecting growth in interest-bearing assets and a decrease in the cost of interest-bearing deposits. However, this increase was partially offset by a decline in the yield on interest-bearing assets. The net interest margin ( FTE , not GAAP ) rose by 4 basis points to 3.29%. The yield on interest-bearing assets (not GAAP ) decreased by 18 basis points to 5.18%, mainly due to a decline in the loan yield by 23 basis points to 5.56%. The total cost of funds decreased by 22 basis points to 2.01%, with the total cost of borrowing falling by 47 basis points to 4.17% and the cost of interest-bearing deposits decreasing by 29 basis points to 2.37%.

The average loan and leasing balance amounted to $36.1 billion, an increase of $1.3 billion or 3.7%. Of this, consumer loans increased by $1.2 billion, while business loans and leases increased by $115.4 million. Average business and industrial loans grew by $856 million, or 11.3%, which partially offset the decrease in average commercial real estate loans of $735.7 million, a decline of 5.8%. The robust growth in business and industrial loans was driven by strong investment in equipment financing, as well as growth in markets such as Charlotte, Pittsburgh, and other areas in Pennsylvania. In terms of average consumer loans, residential mortgages increased by $877.8 million, or 10.0%, mainly due to the company's strategy of serving the home buying market over the long term; however, this growth was partly offset by the sale of about $200 million in fully performing residential mortgages by the company in February 2026. The average consumer credit limit increased by $187.8 million, or 12.9%; indirect auto loans increased by $135.3 million, or 17.4%. Both figures reflect the steady organic growth of their respective portfolios.

The average deposit amount was 38.8 billion US dollars, an increase of 914.1 million US dollars, representing a growth rate of 2.4%. Of this, the average interest-bearing demand deposits increased by 640.6 million US dollars, average money market deposits increased by 443.8 million US dollars, average interest-free demand deposits increased by 134 million US dollars, and average savings deposits increased by 30.6 million US dollars, which partially offset the decrease of 334.8 million US dollars in average time deposits. The proportion of interest-free demand deposits to total deposits was 26% on both September 30, 2026, and September 30, 2025, remaining stable. The loan-to-deposit ratio was 92.4% on September 30, 2026, up from 90.9% on September 30, 2025.

Non-interest income amounted to $92.6 million, a decrease of $5.6 million or 5.7%. Service fees increased by $1.3 million, representing a growth of 5.7%, mainly due to higher income from fund management fees and an increase in consumer transaction volume. Wealth management income rose by $800,000, or 3.7%, driven by increases in trust service income as well as securities commissions and fees by 4.3% and 2.9%, respectively, benefiting from the company's continued strong performance in various markets. Income from mortgage lending business decreased by $3.6 million, or 39.4%, due to significant interest rate fluctuations during the quarter, which led to narrower yield spreads and net fair value adjustments. Capital market income was $6.4 million, reflecting the steady contribution from various business segments of the company, but it was $1.5 million lower than the same period last year, a decrease of 18.4%, mainly because debt capital markets and international banking business income set record levels during the same period last year. Other non-interest income decreased by $5.5 million, or 59.5%, primarily due to a recovery of $5.4 million recognized during the same period last year; this asset had previously been written off as part of a acquisition in 2017.

Non-interest expenses amounted to $256.9 million, an increase of $13.4 million, representing a growth rate of 5.5%. Excluding a significant item of $2.3 million in the third quarter of 2025, operating non-interest expenses (excluding GAAP) increased by $11.1 million, with a growth rate of 4.5%. Net occupancy and equipment expenses rose by $6.2 million, an increase of 13.9%, mainly due to technology-related investments and higher occupancy costs. External service expenses increased by $4 million, with a growth rate of 15.3%, primarily due to rising costs for third-party legal and consulting services.

The proportion of non-performing loans and OREO in total loans, as well as the total amount of OREO, decreased by 4 basis points to 0.33%, while the overall overdue rate rose by 10 basis points to 0.75%. The overall asset quality indicators are still at a satisfactory level.

Credit loss provisions amounted to $19.6 million, a decrease from $24 million. In the third quarter of 2026, net write-offs were $11 million, accounting for 0.12% of the total average loans on an annualized basis, compared to $19.7 million in the same period of the previous year, which represented 0.22% on an annualized basis. ACL amounted to $455.5 million, an increase of $18.2 million; ACL remained at 1.25% of the total loans and leases.

The actual tax rate is 20.6%, which is lower than the 21.3% in the third quarter of 2025.

As of September 30, 2026, the regulatory capital adequacy ratio was 11.3% (estimated value), which is higher than 11.1% as of September 30, 2025. The book value per share of tangible common stock (excluding GAAP) was $12.28 as of September 30, 2026, an increase of $0.80 from $11.48 as of September 30, 2025, representing a growth of 7.0%. As of September 30, 2026, AOCI resulted in a decrease of $0.53 in the book value per share of tangible common stock, mainly due to the impact of rising interest rates on the fair value of AFS securities; whereas as of September 30, 2025, the decrease was $0.22.

Q3 2026 Performance – Compared to the Previous Quarter

Net interest income amounted to $376.5 million, an increase of $10.8 million or 3.0% from the previous quarter, mainly due to the growth of interest-bearing assets, the improvement in the yield on interest-bearing assets (non-GAAP), and the effect of one additional trading day this quarter, which offset a slight rise in funding costs. The net interest margin (FTE, non-GAAP) was 3.29%, up 4 basis points. The total yield on interest-bearing assets (non-GAAP) increased by 5 basis points to 5.18%, while the total cost of funds rose by 2 basis points to 2.01%. The cost of interest-bearing deposits remained relatively stable, increasing by only 1 basis point to 2.37%. FOMC raised the federal funds target rate by 25 basis points in September 2026.

The average loan and leasing balance amounted to $36.1 billion, an increase of $613.4 million, representing a year-on-year growth of 6.9%. Of this, average consumer loans increased by $550.7 million, while average commercial loans and leases increased by $62.7 million. In the area of consumer loans, average residential mortgages rose by $403.9 million, mainly driven by the seasonal increase in mortgage disbursements. Average indirect auto loans increased by $88.6 million, and average consumer credit limits increased by $52 million, both reflecting solid organic growth. The growth in commercial loans and leases was seen in an increase of $237.4 million in average commercial and industrial loans, but this was partially offset by a decrease of $175.2 million in average commercial real estate loans due to ongoing expected repayments. The growth in commercial and industrial loans was primarily driven by low-risk, high-quality loans in the Cleveland and Pennsylvania markets.

The average deposit amount was $38.8 billion, an increase of $146.1 million, mainly due to the organic growth of relationships with both new and existing customers. The growth was driven primarily by an increase in average money market deposits of $133.2 million, an increase in average interest-free demand deposits of $97 million, and an increase in average interest-bearing demand deposits of $57 million. However, this increase was partially offset by a decrease in average time deposits of $151.6 million, which reflects customers shifting to other products due to changes in interest rate expectations. The total deposit balance at the end of the period increased by $870.6 million, representing a year-on-year growth of 8.9%. The proportion of interest-free demand deposits in total deposits was 26% on both September 30, 2026, and June 30, 2026, remaining stable. The loan-to-deposit ratio was 92.4% on September 30, 2026, which is basically the same as 92.5% on June 30, 2026.

Non-interest income amounted to $92.6 million, a decrease of $4.4 million or 4.5% from the previous quarter. Service fees increased by $800,000, representing a growth of 3.2%; exchange fees and bank card transaction fees rose by $200,000, an increase of 1.4%, both driven by strong fund management activities and seasonal increases in consumer transactions. Capital market income was $6.4 million, reflecting a solid contribution from various business segments of the company, but it decreased by $1.6 million or 19.9% compared to the previous quarter, mainly due to stronger debt capital market income in the prior period. Other non-interest income decreased by $3.3 million, or 46.8%, primarily because the residual value earnings from equipment leasing were higher in the previous quarter.

Non-interest expenses amounted to $256.9 million, an increase of $3.7 million or 1.5% from the previous quarter. Expenses for salaries and employee benefits decreased by $2.8 million, or 2.0%, mainly due to lower variable compensation this quarter. Expenditures on external services rose by $1.8 million, or 6.3%, primarily due to increased legal costs incurred by third parties. Net occupancy and equipment expenses increased by $1.3 million, or 2.7%, mainly due to technology-related investments. Other non-interest expenses increased by $2.6 million quarter-over-quarter, or 11.2%, reflecting higher costs related to fraud losses. The efficiency ratio (non-GAAP) was 53.7%, unchanged from the previous quarter.

The proportion of non-performing loans and OREO in total loans, as well as the total amount of OREO, increased by 2 basis points to 0.33%, and the overdue rate rose by 4 basis points to 0.75%. Overall asset quality indicators remain at a satisfactory level.

Credit loss provisions amounted to $19.6 million, a decrease from $21.4 million. In the third quarter of 2026, net write-offs were $11 million, accounting for 0.12% of the total average loans on an annualized basis, compared to $17 million in the previous quarter, which represented 0.19% on an annualized basis. ACL amounted to $455.5 million, an increase of $8.1 million; ACL remained at 1.25% of the total loans and leases.

The actual tax rate is 20.6%, which is slightly lower than 20.9%.

As of September 30, 2026, the regulatory capital adequacy ratio was 11.3% (estimated value), which is basically the same as 11.4% as of June 30, 2026. The book value per share of tangible common stock (excluding GAAP) was $12.28 as of September 30, 2026, an increase of $0.04 from the previous quarter. AOCI resulted in a decrease of $0.53 in the book value per share of tangible common stock at the end of the quarter as of September 30, 2026, mainly due to the impact of rising interest rates on the fair value of AFS securities; as of June 30, 2026, it was a decrease of $0.29.

Use of non-GAAP financial indicators and key performance indicators

To complement the consolidated financial statements prepared in accordance with GAAP, the company uses several non-GAAP financial indicators, such as operating net profit attributable to common shareholders, diluted earnings per share from operating activities, average return on tangible common equity, average return on tangible assets, tangible book value per share, ratio of tangible common equity to tangible assets, net income before provisions (reporting scope), net income before operating provisions, efficiency ratios, and net interest margin calculated in accordance with FTE. These indicators are used to provide investors with information that helps to understand the company's operating performance and trends, and to facilitate comparison with companies in the same industry. Management also uses these indicators internally to assess and better understand the basic operating performance and trends related to the core business activities. The non-GAAP financial indicators and key performance indicators used by the company may differ from those used by other financial institutions to evaluate their own performance and trends.

These non-GAAP financial indicators should be regarded as supplementary indicators, and not as substitutes for or superior to the report results prepared in accordance with GAAP. A comparison table between the non-GAAP financial indicators and the most directly comparable GAAP financial indicators is listed in the later part of this press release, under the section "Comparison of Non-GAAP Financial Indicators and Key Performance Indicators with GAAP".

Management believes that certain projects (such as the FDIC special assessment) are not an organic part of the company's operations and facility management. These projects are considered significant factors affecting profitability as they are not regarded as part of the daily banking activities. These costs are associated with each transaction and can vary greatly depending on the size and complexity of the transaction.

To facilitate comparison of net interest margin and efficiency ratios among peers, the company uses a tax-equivalent basis for net interest income when calculating the net interest margin. This means that the interest income generated from tax-exempt assets (loans and investments) is adjusted upward to make it fully comparable to the interest income generated from taxable investments (GAAP such adjustments are not allowed). The tax-equivalent amounts for 2026 and 2025 are both calculated based on a federal statutory income tax rate of 21%.

Forward-looking Statements Warning

This press release contains “forward-looking statements” as defined by the Private Securities Litigation Reform Act of 1995. Forward-looking statements do not involve historical facts, but are based on current assumptions, judgments, estimates, expectations, and projections. Many of these elements are inherently uncertain and beyond the company’s control. Forward-looking statements may relate to the company’s financial condition, operating results, plans, objectives, future performance, business, or industry, among other matters. Such statements can typically be identified by words or phrases such as “expected,” “assumed,” “believed,” “able to,” “continue,” “may,” “estimated,” “anticipated,” “predicted,” “objective,” “intended,” “likely,” “perhaps,” “goal,” “plan,” “positioned,” “potential,” “project,” “maintain,” “should,” “trend,” “will,” “shall,” and similar expressions, as well as their negative forms. However, these are not the only ways to identify such statements. Investors should not rely excessively on forward-looking statements, as they are subject to risks and uncertainties, including but not limited to the following factors. When considering these forward-looking statements, investors should also take into account these risks and uncertainties, as well as any cautionary notes that the company may provide.

Factors that may lead to significant differences between future results and historical performance, as well as any forward-looking statements, include but are not limited to:

• The credit risks associated with a large number of commercial loans and leasing transactions within the loan portfolio;
• Mortgage lending business and fluctuations in real estate values, which may be affected by economic conditions or trends, interest rates, as well as local market trends;
• Changes in market interest rates, the shutdown of the U.S. federal government, and uncertainties regarding monetary policies, tax measures, and other governmental policies, including tariffs or their implementation and enforcement, trade wars, barriers or restrictions, as well as related threats or uncertainties;
• The impact of interest rate changes on the value of investment portfolios;
• Changes in the local and regional commercial real estate market conditions, fluctuations in interest rates, availability of geographical commercial office space, tenant demand, as well as independent assessments and revisions, and other factors beyond the control of the company, may have an impact on the company's branch offices, headquarters properties, and other owned real estate;
• The company's ability to obtain liquidity when needed to fulfill its obligations upon maturity has changed, including due to a deterioration in credit rating;
• Risks associated with having no balance in insured deposits;
• Regulatory restrictions on a company's ability to receive dividends from subsidiaries and distribute profits to shareholders;
• The company's ability to recruit and retain qualified banking professionals;
• The financial stability of other financial institutions, as well as the impact of fluctuations in the banking sector on the company;
• Economic conditions and changes in financial markets in the region where the company operates, as well as in other regions, including contraction of economic activity, economic downturns or uncertainties, international conflicts (including the situation in the Middle East), disruptions in supply chains and energy supply markets and capital markets, changes in inflation expectations, and other related uncertainties;
• The company continues to invest in the capability for technological improvements and artificial intelligence solutions;
• Disruption of the company's information system, security vulnerabilities, or other network security risks;
• Dependence on third-party suppliers, as well as the related risks associated with the use of artificial intelligence in the company's business and operations;
• Whether a company can effectively deploy multi-layer defense strategies to mitigate the risks associated with the ever-evolving schemes of fraud originating from artificial intelligence;
• Risks associated with the use of models, estimates, and assumptions in business;
• The impact of severe weather events and public health emergencies;
• Risks associated with acquiring other banks and financial services businesses, including the risks involved in integrating them into existing operations;
• Applicable to a wide range of federal and state regulations, oversight, and inspections in almost all aspects of the company's operations, as well as the potential costs associated with complying with these regulations;
• The company's compliance with the orders signed with the US Department of Justice and the North Carolina Department of Justice under First National Bank, of, and Pennsylvania, as well as the associated costs and potential reputational damage;
• Changes in federal, state, or local tax rules and regulations or their interpretations, or changes in accounting policies, guidelines, and interpretations;
• The impacts of climate change and related legislative and regulatory measures; as well as
• Reputational, credit, interest rate, market, operational, litigation, legal, liquidity, regulatory, and compliance risks arising from any of the aforementioned risk-related developments.

FNB Reminder: The risks listed above are not the only types of risks that may have an adverse effect on the company. The actual results may differ significantly from those explicitly or implicitly stated due to these risks and uncertainties, including but not limited to the risk factors and risk management sections (including part MD &A) in the company's 2025 Form 10-K annual report, the subsequent 2026 Form 10-Q quarterly reports (which include discussions on risk factors and risk management), as well as other risk factors and uncertainties mentioned in documents submitted to the U.S. Securities and Exchange Commission (SEC). The aforementioned documents can be found on the company's website at https :// www.fnb-online.com / about-us / investor-information / reports-and-filings or SEC www.sec.gov. The URLs provided in this text are for reference only and are not clickable; the information on the company's website is not part of the SEC filing documents.

Investors should understand that forward-looking statements are only valid as of the date they are made and are based solely on the information that was actually known at that time regarding FNB. Except as required by law, FNB assumes no obligation and explicitly denies any obligation to update or revise forward-looking statements to reflect subsequent events or circumstances.

Teleconference

F.N.B. Corporation (New York Stock Exchange ticker: FNB) announced its financial results for the third quarter of 2026 after the close of trading on Monday, October 19, 2026. The Chairman, President, and CEO Vincent J. Delie, Chief Financial Officer Vincent J. Calabrese. Jr, and Chief Credit Officer Gary L. Guerrieri plan to hold a teleconference at 8:30 a.m. Eastern Time on Tuesday, October 20, 2026, to discuss the company's financial results.

Live listening to the teleconference is available through the webcast, which can be viewed under the Investor Relations section on the company's website at www.fnbcorporation.com. Participants can click on “Investor Relations” under the “About Us” tag, and then click on “Investor Conference Calls” to access the link. The live broadcast will be available about 30 minutes before the meeting begins.

To participate in the Q&A session, please call 844-802-2440 (within the United States) or 412-317-5133 (international). You can pre-register through https :// dpregister.com / sreg /10212076/104ea4927f4. Registered callers will receive a meeting passcode and exclusive PIN, allowing them to connect directly to the meeting without going through the operator.

The presentation slides and performance press release will also be published under the Investor Relations section of the company's website www.fnbcorporation.com.

After the teleconference, you can replay the conference content through the live webcast link available under the Investor Relations section on the company's website.

Regarding F.N.B and Corporation.

F.N.B. Corporation (New York Stock Exchange ticker: FNB) is headquartered in Pittsburgh, Pennsylvania, and is a diversified financial services company that operates in seven states and the District of Columbia. The market coverage of FNB includes several major metropolitan areas: Pittsburgh, Pennsylvania; Baltimore, Maryland; Cleveland, Ohio; Washington, D.C.; Charlotte, Raleigh, Durham in North Carolina, as well as the Piedmont Triad region (Winston-Salem, Greensboro, and High Point); and Charleston, South Carolina. The company has total assets of $52 billion and operates over 355 banking branches in Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, the District of Columbia, and Virginia.

FNB provides comprehensive commercial banking, retail banking, and wealth management solutions through its subsidiary network, among which the largest affiliates are First National Bank, of, and Pennsylvania, which were established in 1864. The commercial banking solutions include corporate banking, small business banking, investment property financing, government banking, commercial credit, capital markets, and leasing financing. The retail banking business offers a full range of consumer banking products and services, including deposit products, mortgage loans, consumer loans, as well as comprehensive mobile and online banking services. The wealth management and consulting services provided by FNB include asset management, private banking, and insurance.

F.N.B. Corporation Common stocks are traded on the New York Stock Exchange under the code “FNB” and are included in the S&P MidCap 400 Index as well as the Global Industry Classification Standards (GICS) Regional Banks sub-index. Customers, shareholders, and investors can visit F.N.B. Corporation for more information.