F.N.B. Corporation Reports Second Quarter 2026 Earnings
F.N.B. Corporation reported second quarter 2026 earnings, with net income reaching $148.7 million, or $0.42 per diluted share. The company noted record revenue of $462.7 million.
PITTSBURGH, PA – F.N.B. Corporation (NYSE: FNB) announced its financial results for the second quarter of 2026, reporting a net income of $148.7 million, or $0.42 per diluted common share. This represents a 16.7% increase year-over-year from the $130.7 million net income recorded in the second quarter of 2025. The company highlighted record revenue of $462.7 million, which contributed to earnings per share growth.
Vincent J. Delie, Jr., Chairman, President and CEO of F.N.B. Corporation, stated that the results reflect the "successful execution of our technology-focused strategic business model." He noted that the record revenue drove a 9% increase in pre-provision net revenue year-over-year. The company’s investments in digital capabilities, data analytics, and artificial intelligence were cited as drivers for efficiency gains and deepening household penetration.
During the second quarter, average loans and leases increased by 2.9% to $35.5 billion compared to the second quarter of 2025. Growth was primarily driven by consumer loans, offsetting a slight decrease in commercial loans and leases. Average deposits rose by 4.1% to $38.7 billion, with increases noted in money market, interest-bearing demand, and non-interest-bearing demand deposit balances.
Key financial metrics included a stable net interest margin of 3.25% and strong non-interest income of $97.0 million. The loan-to-deposit ratio stood at 92.5% at the end of the quarter. Provisions for credit losses saw a modest increase, but overall asset quality metrics were reported as solid. F.N.B. Corporation also repurchased approximately $47 million of common stock during the quarter.