PITTSBURGH, Pa. – F.N.B. Corp. reported $50 billion in total assets in its final quarterly report for 2025.

The Pittsburgh-based bank also reported setting multiple performance records over the full year, including $1.8 billion in total revenue, noninterest income of $369 million, earnings per share of $1.56, capital levels with the common equity tier I estimated at 11.4% and tangible book value per common share year-over-year growth of 13%.

Fourth-quarter 2025 net income available to common shareholders was $168.7 million, or 47 cents per diluted common share, up from $109.9 million, or 30 cents per diluted common share, in the fourth quarter of 2024.

Net income available to common shareholders was $565.4 million, or $1.56 per diluted common share, in 2025. That also was up from $459.3 million, or $1.27 per diluted common share, in 2024. Full-year 2025 earnings per diluted common share increased 23% and 14% from 2024 on reported and operating bases figures, respectively.

“F.N.B. Corp. delivered an exceptional fourth quarter with operating earnings per diluted common share [non-GAAP] of 50 cents and a return on average tangible common equity [non-GAAP] of 16%,” said Vincent J. Delie Jr., F.N.B. chairman, president and CEO. “F.N.B.’s strong profitability and capital generation resulted in tangible book value per share [non-GAAP] of $11.87, a 13% increase from the year-ago quarter. Our company achieved multiple records for the full-year 2025, including all-time revenue highs for seven of our fee-based businesses, total revenue of $1.8 billion, operating net income available to common shareholders [non-GAAP] of $577 million and operating earnings per diluted common share [non-GAAP] of $1.59.”

Other fourth-quarter highlights:

  • Average loans and leases totaled $35 billion, an increase of $1.2 billion, driven by consumer loan growth of $1.2 billion. In December 2025, F.N.B. transferred about $200 million of performing residential mortgage loans to held-for-sale in anticipation of a loan sale in the first quarter of 2026.
  • Average deposits totaled $38.6 billion, an increase of $1.7 billion, with the growth in average interest-bearing demand deposits of $1.7 billion and average noninterest bearing demand deposits of $156.1 million, more than offsetting declines in average time deposits and average savings deposits.
  • On a linked-quarter basis, average loans and leases increased 1.9% annualized, and average deposits increased 7.7% annualized.
  • The loan-to-deposit ratio improved to 89.7% on Dec. 31, 2025, from 90.9% on Sept. 30, 2025, and 91.5% on Dec. 31, 2024.

The full report can be viewed HERE.