FNB Corporation reported strong fourth quarter and full-year 2025 results, marked by record total revenue, EPS growth, and significant balance sheet improvements, including total assets crossing $50 billion.
Total assets crossed $50 billion.
positiveFull year 2025 net income available to common shareholders was $565.4 million, or $1.56 per diluted common share, an increase of 23% from 2024.
positiveFourth quarter 2025 net income available to common shareholders was $168.7 million, or $0.47 per diluted common share, up from $109.9 million, or $0.30 per diluted common share, in the prior year quarter.
positiveRecord total revenue of $1.8 billion for full year 2025.
positiveRecord non-interest income of $369 million for full year 2025.
positiveTangible book value per common share (non-GAAP) increased 13% year-over-year to $11.87.
positiveCommon Equity Tier 1 (CET1) regulatory capital ratio at 11.4% (estimated).
positiveNet interest income increased 13.4% year-over-year to $365.4 million in Q4 2025.
positiveNet interest margin (FTE) (non-GAAP) increased 24 basis points year-over-year to 3.28%.
positiveAverage deposits increased 4.5% year-over-year to $38.6 billion.
positiveLoan-to-deposit ratio improved to 89.7% from 91.5% in the prior year quarter.
positiveAsset quality metrics remain at solid levels, with non-performing loans and OREO to total loans decreasing 17 basis points year-over-year to 0.31%.
positiveAverage commercial real estate loans decreased by $263.9 million, or 2.1%, year-over-year.
attentionMortgage banking operations income decreased 19.2% year-over-year.
attentionNon-interest expense increased 10.1% year-over-year, driven by salaries, outside services, and technology investments.
attentionThe effective tax rate was (1.8)% in Q4 2025, compared to (7.0)% in Q4 2024, impacted by investment tax credits.
attentionMargin metrics will be available once backend extracts data from insights_json
Special items are non-recurring events that may distort period-over-period comparisons. Analysts typically adjust for these when calculating normalized earnings.
FNB Corporation delivered an exceptional fourth quarter with operating earnings per diluted common share (non-GAAP) of $0.50 and a return on average tangible common equity (non-GAAP) of 16%.
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.
Investments in technology, AI, and data analytics are driving automation, efficiency, and the flexibility to continue investing in revenue‑generating businesses and an enhanced omnichannel customer experience, all while delivering strong positive operating leverage.
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Operational metrics provide insight into business drivers and customer engagement beyond traditional financial measures.