F N B : 1st Quarter 2026 Conference Call Slides

Published: 2026-04-16 16:44:13 ET FNB

Published on 04/16/2026 at 04:44 pm EDT

F.N.B. Corporation

Earnings Presentation

First Quarter 2026

April 17, 2026

Use of Non-GAAP Financial Measures and Key Performance Indicators

To supplement our Consolidated Financial Statements presented in accordance with GAAP, we use certain non-GAAP financial measures, such as operating net income available to common shareholders, operating earnings per diluted common share, return on average tangible common equity, return on average tangible assets, tangible book value per common share, the ratio of tangible common equity to tangible assets, operating non-interest income, pre-provision net revenue (reported), efficiency ratio, allowance for credit losses on loans and leases plus accretable discount of acquired loans to total loans and leases, and net interest margin (FTE) to provide information useful to investors in understanding our operating performance and trends, and to facilitate comparisons with the performance of our peers. Management uses these measures internally to assess and better understand our underlying business performance and trends related to core business activities. The non-GAAP financial measures and key performance indicators we use may differ from the non-GAAP financial measures and key performance indicators other financial institutions use to assess their performance and trends.

These non-GAAP financial measures should be viewed as supplemental in nature, and not as a substitute for, or superior to, our reported results prepared in accordance with GAAP. Reconciliations of non-GAAP operating measures to the most directly comparable GAAP financial measures are included later in this release under the heading "Reconciliations of Non-GAAP Financial Measures and Key Performance Indicators to GAAP."

Management believes certain items (e.g., FDIC special assessment) are not organic to running our operations and facilities. These items are considered significant items impacting earnings as they are deemed to be outside of ordinary banking activities. These costs are specific to each individual transaction and may vary significantly based on the size and complexity of the transaction.

To facilitate peer comparisons of net interest margin and efficiency ratio, we use net interest income on a taxable-equivalent basis in calculating net interest margin by increasing the interest income earned on tax-exempt assets (loans and investments) to make it fully equivalent to interest income earned on taxable investments (this adjustment is not permitted under GAAP). Taxable-equivalent amounts for 2026 and 2025 were calculated using a federal statutory income tax rate of 21%.

Financial Highlights

Net income of $137.0 million, or $0.38 per diluted common share.

Total loans and leases (period-end), increased $334.2 million, or 3.9% annualized, linked-quarter.

Consumer loans increased $198.2 million

Commercial loans and leases increased $136.0 million

Total deposits (period-end) increased $141.8 million, or 1.5% annualized, linked-quarter, with the mix of non-interest-

bearing deposits to total deposits stable at 26%.

Loan-to-deposit ratio was 90.3% at March 31, 2026, compared to 89.7% at December 31, 2025, and 91.9% at

March 31, 2025.

Pre-provision net revenue(1) totaled $192.4 million, a 17% increase from the year-ago quarter, driven by continued solid non-interest income generation and growth in net interest income.

The provision for credit losses was $18.5 million, a decrease of $0.4 million from the prior quarter, with net charge-offs of 0.18% annualized of total average loans, a decrease from 0.19% annualized in the prior quarter. Overall, asset quality metrics remain at solid levels, reflecting continued proactive management of the loan portfolio.

Record tangible book value(1) (TBV) of $12.06 per share with year-over-year growth of $1.23, or 11.4%.

CET1 ratio(2) totaled 11.4% and tangible common equity to tangible assets(1) (TCE/TA) totaled 8.9%.

During the first quarter of 2026, the Company repurchased $35 million, or 2.0 million shares, of common stock at a weighted average share price of $17.41. On April 14, 2026, FNB announced the authorization of a new $250 million common stock repurchase plan. Including the authority remaining under the previous program, total repurchase capacity is $300 million.

In April 2026, the Board of Directors declared a quarterly common stock cash dividend of $0.13, an 8% increase,

beginning with the common dividend payable on June 15, 2026.

(1) A non-GAAP measure. (2) Estimated for 1Q26.

Strong Financial Performance

Solid Profitability

Metrics

Quarter Ended March 31, 2026

13.2%

ROATCE(1)

1.19%

ROATA(1)

56.1%

Efficiency Ratio(1)(2)

3.25%

Net Interest Margin(1)(2)

Significant Capital,

Reserves & Liquidity

as of March 31, 2026

8.9%

TCE/TA(1)

11.4%

CET1(4)

1.26%

ACL Ratio

90.3%

Loan-to-Deposit Ratio

Continued Balance

Sheet Growth

as of March 31, 2026

2.6%

Total Loan Growth(3)

4.5%

Total Deposit Growth(3)

25.7%

Non-Interest Bearing Deposit to Total Deposit Ratio

11.4%

TBV Per Share Growth(1)(3)

(1) A non-GAAP measure. (2) FTE basis. (3) Comparison to March 31, 2025. (4) Estimated for 1Q26.

FNB's Long-term Transformation

Since 2009(1), FNB's leadership team has transformed the Company and developed a sustainable long-

term business model leading to optimal capital deployment which benefits our shareholders.

Increase Market Share and

Geographic Diversity Drive Shareholder Value

Enhance Performance with Investments in

Revenue, Risk Management and Technology

Over 50% of FNB's total asset growth has been

organic since 2009.

Returned $2.4 billion in capital to shareholders through dividends and repurchases since 2009(7).

Total revenue increased ~5x with non-interest income growth in the top quartile.

CAGR 9.6%

$20.03

$8.16

Total Assets

$50.2 B

Internal Capital Generation (ICG)

Total Revenue

$18.8 B

Total CAGR: 11.6%

Organic CAGR (2) : 8.3%

$8.7 B

$22.7 B

$4.65

$0.48

$11.87

$0.37 B

$8.7 B

$4.17

2009

2025

2009

2025

2009

2025

09 Assets Organic Growth Acquisitions TBV(3) Cumulative Dividends Net Interest Income Non-interest Inc

Expanded footprint across a combination of mature and high-growth markets across seven states.

Stable, granular deposit base with an organic CAGR of 8.6%.

Top 5 deposit market share position in nearly 50% of our MSAs(4).

Enhanced capital management, providing strength and flexibility.

2009 1Q26

TCE/TA(3)

5.8%

8.9%

Efficiency Ratio(3)

62.9%

56.1%

ROATCE(3)

8.72%

13.20%

ROATA(3)

0.57%

1.19%

Dividend Payout Ratio

150%

32%

Superior industry-leading total shareholder return(5).

1 Year 3 Year 5 Year 12/31/2009

FNB 49.7% 76.1% 66.3% 408.6%

KBW Index(6) 31.7% 50.3% 8.8% 194.7%

ome

CAGR

10.2%

$1.77 B

Differentiated strategy for driving long-term value:

Diversified fee-income platform

Robust risk management

80+ workplace awards since 2011

Innovative digital and data analytics:

Award-winning eStore® and Common Application

Artificial intelligence and

data science

Omnichannel experience across mobile, online and in-branch.

(1) These results span the tenure of FNB's executive team at the Bank and holding company, including successfully guiding FNB through the aftermath of the

financial crisis, a global pandemic and a banking industry disruption. (2) Excludes the assets acquired through M&A. (3) A non-GAAP measure. (4) FDIC 6

market data as of June 30, 2025. (5) As of April 15, 2026. (6) KBW Regional Banks Index. (7) Includes 1Q26 dividend and share repurchases.

First Quarter Financial Highlights

1Q26 4Q25 1Q25

Reported Results

Net income (millions)

Earnings per diluted common share Book value per common share

$137.0

$0.38

$19.12

$168.7

$0.47

$18.92

$116.5

$0.32

$17.86

Operating net income (millions)(1)

$137.0

$181.8

$116.5

Operating earnings per diluted common share(1)

$0.38

$0.50

$0.32

Key Operating Results

Total loan growth (ending balance)(2)(3)

1.0%

(0.5%)

0.9%

Total deposit growth (ending balance)(2)

0.4%

0.8%

0.4%

Efficiency ratio(1)(4)

56.1%

53.8%

58.5%

Tangible common equity / tangible assets(1)(5)

8.9%

8.4%

Capital Measures

Common equity tier 1 risk-based capital ratio(6)

11.4%

10.7%

Tangible book value per common share(1)(5)

$12.06

$11.87

$10.83

(1) A non-GAAP measure. (2) On a linked-quarter non-annualized basis. (3) 4Q25 reflects the impact of $200 million of performing residential mortgage loans

transferred to held-for-sale. (4) FTE basis. (5) Includes negative AOCI impact of $0.24, $0.18, and $0.34 in 1Q26, 4Q25 and 1Q25, respectively. (6) Estimated 7

for 1Q26.

Asset Quality

$ in millions, unless otherwise stated

1Q26

4Q25

1Q25

1Q26 Highlights

Delinquency

0.74%

0.71%

0.75%

Asset quality metrics remain at solid levels reflecting continued proactive management of the loan portfolio.

Provision for credit losses decreased

$0.4 million from the prior quarter, with net charge-offs at 0.18% annualized.

Delinquency decreased 1 basis point from the year-ago quarter to 0.74% and remained within expectations.

NPLs+OREO/Total loans and leases + OREO

0.34%

0.31%

0.48%

Provision for credit losses

$18.5

$18.9

$17.5

Net charge-offs (NCOs)

$15.9

$16.4

$12.5

NCOs (annualized)/Total average loans and leases

0.18%

0.19%

0.15%

Allowance for credit losses/ Total loans and leases

1.26%

1.25%

Allowance for credit losses/

Total non-performing loans and leases

376.8%

417.7%

266.9%

Asset Quality Ratios

Asset quality metrics remain at solid levels and FNB will continue to manage

risk proactively as part of our core credit philosophy.

NCO's (Annualized) to Average Loans NPL's and OREO to Loans and OREO

0.25%

0.48%

0.22%

0.15%

0.19%

0.18%

0.34%

0.37%

0.31%

0.34%

1Q25 2Q25 3Q25 4Q25 1Q26 1Q25 2Q25 3Q25 4Q25 1Q26

Delinquency to Period End Loans ACL to Total Loans and Leases

0.75%

0.62%

0.65%

0.71%

0.74%

1.34%

1.32%

1.25%

1.26%

1Q25 2Q25 3Q25 4Q25 1Q26

(1) A non-GAAP measure, refer to non-GAAP to GAAP Reconciliation for further information.

1Q25 2Q25 3Q25 4Q25 1Q26

remaining accretable discount on acquired loans (1)

Loan Portfolio Mix

Highly diversified loan portfolio with a focus on concentration management.

as of March 31, 2026

C&I 21%

Equip Finance / Comm. Leasing 4%

Other 2%

Owner-Occupied 11%

Non-Owner CRE 24%

60%

Total Commercial Loans & Leases

Continued focus on core C&I lending activity with traditional

middle market customers.

Minimal NDFI balances at 1.4% of total loans is well below peer and industry medians with the large majority of FNB's NDFI portfolio in the Call Report's "Other Loans" category(1) which supports firm's working capital and acquisition growth strategies, not lending activities.

Non-owner occupied CRE to Tier 1 Capital + Allowance equaled 194%(2) as of March 31, 2026.

Indirect 2%

HELOC 4%

Home Equity 7%

Residential Mortgage 25%

40% Total Consumer Loans

High-quality consumer loan portfolio concentrated in prime and super-prime borrowers with average origination FICO of 782 over the last 12 months.

The majority of residential mortgage loan production was driven by salable loans.

"Other loans", RCONPV09, primarily consists of family wealth offices and insurance companies. (2) Based on internal data.

Non-Owner Occupied CRE Portfolio

NOO-CRE loan portfolio diversified across property type and geographies.

as of March 31, 2026 NOO-CRE

Retail 21.3%

Office 17.4%

No outsized risk to any one property.

o Average loan size is $1 million.

Since 2014, low average net-charge offs(2) of 14 basis points through multiple credit cycles.

Other 6.8%

Senior Care 4.1%

Lodging 2.3%

Industrial /

NOO-CRE:

$8.3 Billion

Residential: Multifamily 27.4%

NOO-CRE Office

Granular office portfolio spread throughout the FNB footprint.

Long history of working with well-established sponsors with a focus on strong global cash flows.

Top 25 office loans average $22 million in exposure.

Warehouse 13.6%

Residential: 1-4 Family

7.0%

o Average office loan size is $1.6 million.

(1) Totals may not sum due to rounding. (2) NOO CRE reflects FRY9C Report Methodology using lines BHCKF159, BHDM1460 and BHCKF161.

Balance Sheet Highlights

Average, $ in millions

1Q26

4Q25

1Q25

QoQ ∆(1)

YoY ∆

1Q26 Highlights

Securities

$7,869

$7,707

$7,448

2.1%

5.7%

Total securities duration remained at 3.5 years with AFS comprising

~48% of the portfolio.

On a linked-quarter basis, period-end total loans and leases increased 3.9% annualized with loan activity accelerating late in the quarter.

Average deposits decreased

$264.8 million linked-quarter, due to the impact of normal seasonal outflows in public funds and other corporate deposit balances; however, period-end total deposits increased $141.8 million.

The loan-to-deposit ratio equaled 90.3% on March 31, 2026, compared to 89.7% at December 31st, 2025.

The mix of non-interest bearing deposits to total deposits was 26%, stable to the prior quarter.

Total Loans

34,900

34,983

34,051

(0.2%)

2.5%

Commercial Loans and Leases

20,988

21,120

21,208

(0.6%)

(1.0%)

Consumer Loans

13,912

13,863

12,843

0.4%

8.3%

Earning Assets

44,954

44,790

43,443

0.4%

3.5%

Total Deposits

38,366

38,631

36,969

(0.7%)

3.8%

Non-Interest Bearing Deposits

9,828

10,019

9,648

(1.9%)

1.9%

Interest-Bearing Deposits

28,538

28,612

27,321

(0.3%)

4.5%

(1) Not Annualized.

Deposit Composition

FNB Maintains a Favorable Deposit Mix while Continuing to Grow Deposits.

Total Period-End Deposits(1)

(2009 - 1Q26)

2009

1Q26

NIB Deposits

16%

26%

+10%

Time Deposits

35%

19%

-16%

($ amount in billions)

$34.8 $34.7

$37.1

$38.8 $38.9

$24.8

$22.4 $23.5

$29.1

31%

$31.7

34%

29%

26%

$9.1

$7.3

$10.2

$11.4 $12.6 23% 24%

$16.1 26%

26%

54%

26%

52%

26%

55%

56%

57%

56%

53%

54%

56%

55%

16%

50%

16%

52%

$6.4 $6.6

18%

19% 22%

53% 53%

54% 56%

58%

20%

19%

35% 32% 30%

28% 26% 23% 20%

16%

21%

22%

19%

13%

9% 10%

18%

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1Q26

(1) Totals may not sum due to rounding. Does not include Customer Repurchase Agreements.

Revenue Highlights

$ in thousands, unless otherwise stated

1Q26

4Q25

1Q25

QoQ Δ(2)

YoY Δ

1Q26 Highlights

Total interest income

$569,281

$587,490

$559,437

(3.1%)

1.8%

Net interest income increased 10.9% from the year-ago quarter reflecting growth in average earning assets and lower interest-bearing deposit costs, partially offset by lower yields on earning assets.

Net interest margin (FTE)(1) equaled 3.25%, a decrease of 3 basis points from the prior quarter, reflecting an 8 basis point decline in the total cost of funds driven by a temporary mix-shift which was offset by an 11 basis point decline in the total yield on earning assets(1), both of which were impacted by the Federal Open Market Committee (FOMC) lowering the target federal funds rate in December 2025. Total average borrowings increased temporarily due to normal seasonal outflows of deposits.

Total interest expense

210,003

222,048

235,592

(5.4%)

(10.9%)

Net interest income

$359,278

$365,442

$323,845

(1.7%)

10.9%

Non-interest income

90,985

92,341

87,766

(1.5%)

3.7%

Total revenue

$450,263

$457,783

$411,611

(1.6%)

9.4%

Net interest margin (FTE)(1)

3.25%

3.28%

3.03%

(3) bps

22 bps

Average earning asset yields (FTE)(1)

5.14%

5.25%

5.23%

(11) bps

(9) bps

Average loan yield (FTE)(1)

5.56%

5.67%

5.68%

(11) bps

(12) bps

Cost of funds

2.01%

2.09%

2.32%

(8) bps

(31) bps

Cost of interest-bearing deposits

2.40%

2.53%

2.76%

(13) bps

(36) bps

Cost of interest-bearing liabilities

2.62%

2.73%

3.03%

(11) bps

(41) bps

(1) A non-GAAP measure. (2) Not annualized.

Balance Sheet Repricing

38% 40% 23%

18%

48%

51% 53% 54%

44%

38%

32%

38% 40%

35% 37% 38%

24%

37%

14%

2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 Aug 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26

31%

34%

16%

13% 17%

10%

28% 28%

24% 25% 27%

22%

27%

as of March 31, 2026

15.3%

2.2%

Total Loans and Leases: $35.1 billion

Prime

SOFR

Other

45.4%

37.1%

~45% of loans reprice within 3 months.

~$1.3 billion annual cash flow from the investment portfolio with a roll-off yield of ~3.14%.

Duration of investment portfolio is 3.5 years.

Total time deposits of $7.4 billion have a remaining weighted average maturity of 5 months.

~94% of time deposits(2) mature over the next 12 months.

~$7.4 billion of non-maturity deposits have rates at or above 3.25%.

~$2.8 billion of floating rate borrowings or fixed rate

borrowings maturing in the next 12 months.

We continually evaluate our IRR position and utilize our asset/liability positioning and duration as natural balance sheet hedges, as well as synthetic derivatives on a limited basis to achieve desired NII and capital levels.

$1.45 billion of receive fixed swaps(3) at weighted average rate of 3.83% mature between 2026 and 2030.

$200 million interest rate collar(3) with a floor of 2.85% and a cap of 5.50% maturing April 2026.

Fixed ≤3 month 3-12 months > 12 months

(1) The period end total deposit beta for the up cycle reflects the total cumulative beta between 2Q22 and August 31, 2024, and the period-end total deposit

beta for the down cycle is the current rate cycle between 3Q24 and 1Q26. (2) Time deposit amount includes brokered deposits. (3) The loan swaps and collars 15

are hedging 1M Term SOFR or 1M Fallback Rate SOFR exposure.

Non-Interest Income

$ in thousands, unless otherwise stated

1Q26

4Q25

1Q25

QoQ Δ(1)

YoY Δ

1Q26 Highlights

Service charges

$22,770

$24,013

$22,355

(5.2%)

1.9%

Service charges decrease was primarily from the seasonally higher consumer transaction volumes in the prior quarter.

Insurance commissions and fees linked-quarter increase was driven by seasonal contingent revenue and new client acquisition.

Mortgage Banking operations income increased linked-quarter with an 8% increase in sold loan volumes.

Capital Markets income increased significantly year-over-year due to solid contributions from debt capital markets, swap fees and international banking income.

Bank-owned life insurance decreased $1.2 million, reflecting higher life insurance claims in the prior quarter.

Interchange and card transaction fees

12,487

13,345

12,370

(6.4%)

0.9%

Trust services

12,831

12,211

12,400

5.1%

3.5%

Insurance commissions and fees

6,224

4,777

5,793

30.3%

7.4%

Securities commissions and fees

8,982

9,129

8,820

(1.6%)

1.8%

Capital markets income

6,801

6,534

5,323

4.1%

27.8%

Mortgage banking operations

6,345

5,629

6,993

12.7%

(9.3%)

Dividends on non-marketable securities

6,245

5,683

5,560

9.9%

12.3%

Bank owned life insurance

4,110

5,264

5,350

(21.9%)

(23.2%)

Net securities gains (losses)

NM(2)

Other

4,188

5,756

2,802

(27.2%)

49.5%

Total reported non-interest income

$90,985

$92,341

$87,766

(1.5%)

3.7%

Not annualized. (2) Not meaningful.

Strategic Objective to Drive Diversified Fee Income Growth

Priority to continuously make strategic investments to develop and expand new high-value business units that complement our existing products and services.

FNB has established or significantly expanded 10 business lines that are now multi-million-dollar revenue generators(1), leading to a 9% compounded annual growth rate (CAGR) since 2015 for non-interest income.

Capital Markets deep product set includes interest rate and commodities derivatives, international banking, syndications, debt capital markets, public finance and investment banking, allowing FNB to serve all our clients throughout their business's life cycle and deepen our customer relationships by serving as a trusted advisor.

o Capital Markets revenue has more than doubled since 2015.

Total Operating Non-interest Income(2) with a 9% CAGR since 2015

(Chart in millions)

$330

$323

$350

$321

$300

$310

$275

$249

$202

$162

$369

2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025

(1) Does not include lines of businesses that were added since 2024. (2) A non-GAAP measure.

Non-Interest Expense

$ in thousands, unless otherwise stated

1Q26

4Q25

1Q25

QoQ Δ(2)

YoY Δ

1Q26 Highlights

Salaries and employee benefits

$135,707

$133,774

$135,135

1.4%

0.4%

Salaries and employee benefits increased linked-quarter due to normal seasonal long-term compensation expense of $7.1 million in the current quarter, as well as seasonally higher employer-paid payroll taxes partially offset by lower employer-paid healthcare costs and performance-based compensation.

Net occupancy and equipment increased due to technology related investments and higher occupancy costs, which included unusually high snow removal costs.

Other non-interest expense increased year-over-year driven by higher fraud losses, various litigation-related expenses and the impact of Community Uplift(4).

The efficiency ratio(5) equaled 56.1%, compared to 58.5% in the year-ago quarter.

Occupancy and equipment

50,728

47,704

45,643

6.3%

11.1%

Outside services

26,461

29,585

26,341

(10.6%)

0.5%

Marketing

3,601

5,297

4,573

(32.0%)

(21.3%)

FDIC insurance(1)

7,450

7,960

8,483

(6.4%)

(12.2%)

Bank shares tax

4,577

1,237

4,136

270.0%

10.7%

Other(1)

29,341

30,987

22,500

(5.3%)

30.4%

Non-interest expense, excluding significant items impacting earnings(1)

$257,865

$256,544

$246,811

0.5%

4.5%

Significant items impacting earnings

16,625

NM(3)

Total reported non-interest expense

$257,865

$273,169

$246,811

(5.6%)

4.5%

(1) Excludes amounts related to significant items impacting earnings: $20 million (pre-tax) contribution to the FNB Foundation and ($3.4) million (pre-tax)

reduction in the estimated FDIC special assessment related to the 2023 bank failures in 4Q25. (2) Not annualized. (3) Not meaningful. (4) Community Uplift is 18

an affordable mortgage down payment assistance program. (5) A non-GAAP measure.

Strong Capital Position

FNB's capital levels provide ample flexibility to grow the balance sheet and optimize shareholder returns while appropriately managing risk.

TCE Ratio(1) CET1 Ratio

8.2%

7.6%

7.8%

7.2%

7.4%

7.2%

8.9% 8.9%

2019 2020 2021 2022 2023 2024 2025 1Q26

(5)

11.4% 11.4%

10.6%

9.8%

9.9%

9.8%

10.0%

9.4%

2019 2020 2021 2022 2023 2024 2025 1Q26

First Quarter 2026 TCE Capital Levels

TCE Ratio (non-GAAP)(1)

TCE Ratio, adjusted for HTM(2)

8.9%

8.7%

First Quarter 2026 CET1 Capital Levels

CET1 Ratio

11.4%

CET1 Ratio, adjusted for AFS(3)

11.2%

CET1 Ratio, adjusted for AFS & HTM(4)

10.8%

FNB repurchased $35 million, or 2.0 million shares, of common stock at a weighted average share price of $17.41 in 1Q26.

On April 14, 2026, FNB announced authorization of a new $250 million common stock repurchase plan. Including the authority remaining under the previous program, total repurchase capacity is $300 million.

(1) A non-GAAP measure, refer to Non-GAAP to GAAP Reconciliation for further information. (2) Hypothetical TCE calculation if FNB's HTM unrealized losses

were included as part of the calculation. (3) Hypothetical CET1 calculation if FNB's AFS losses were included as part of this calculation. (4) Hypothetical CET1 19

calculation if FNB's AFS and HTM unrealized losses were included as part of this calculation. (5) Estimated for 1Q26.

2026 Financial Objectives

2Q26 Guidance FY 2026 Guidance Commentary

Balance Sheet(1)

Spot Loans

Mid-single digit growth

Loan growth anticipated across the portfolio driven by increasing market share and our diverse geographic footprint.

Spot Deposits

Mid-single digit growth

Deposit growth driven by continued deepening customer relationships and leveraging our digital and data analytics capabilities.

Income Statement

Net Interest Income (non-FTE)

$370-$380 million

$1.495-$1.535 billion

Does not assume any rate cuts in 2026.

Non-Interest Income

$90-95 million

$370-$390 million

Expect continued benefits from our diversified strategy.

Provision Expense

$85-$105 million

To support loan growth, charge-off activity and macroeconomic and geo-political uncertainty.

Non-Interest Expense

$250-$255 million

$1.00-$1.02 billion

Expected to be in the upper-half of the full year guidance range given new strategic initiatives.

Effective Tax Rate

21-22%

Assumes no investment tax credit activity for 2026.

(1) Targets are relative to December 31, 2025.

Disclaimer

FNB Corporation published this content on April 16, 2026, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on April 16, 2026 at 20:43 UTC.