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Jun 30
FNB Q2 2025 Earnings Report
FNB Q2 2025 Earnings Report showed record revenue and strong profitability.
Key Takeaways
F.N.B. Corporation delivered record quarterly revenue, solid loan and deposit growth, and improved profitability, with strong capital levels and proactive credit risk management.
Record revenue of $438 million driven by margin expansion and higher non-interest income
Net income available to common shareholders reached $130.7 million
Common Equity Tier 1 (CET1) ratio increased to 10.8%, marking record capital levels
Average loans grew to $34.5 billion and average deposits rose to $37.1 billion
FNB
FNB
FNB Revenue by Segment
Revenue by Segment
Service Charges Revenue
CapyFin.comTrust Services Revenue
CapyFin.comInsurance Commissions Revenue
CapyFin.comSecurities Commissions Revenue
CapyFin.comCapital Markets Income Revenue
CapyFin.comMortgage Banking Revenue
CapyFin.comDividends on Non-Marketable Revenue
CapyFin.comBank-Owned Life Insurance Revenue
CapyFin.comNet Securities Gains Revenue
CapyFin.comOther Income Revenue
CapyFin.com Forward Guidance
Management expects continued strong credit quality, stable loan and deposit growth, and benefits from technology investments to drive future profitability.
Positive Outlook
- Strong credit quality with low delinquency rates
- Continued loan and deposit growth supported by diverse geographic footprint
- Technology investments and digital banking expansion support long-term growth
- Solid capital position with CET1 ratio at 10.8%
- Improved tangible book value per share to $11.14
Challenges Ahead
- Higher provision for credit losses compared to the prior quarter
- Non-interest expenses rose due to technology investments and risk management
- Community Uplift program increased costs
- Shift in deposit mix to higher-yielding products may increase funding costs
- Macroeconomic uncertainty and rate changes could pressure net interest income