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Get filing alertsFNB reports Q2 2026 EPS of $0.42, up 16.7% year-over-year, with record revenue
Filed July 17, 2026 · Period ending July 16, 2026 · ~1 min read
Key Changes
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Net income reached $148.7 million, or $0.42 per diluted share, up from $0.36 in Q2 2025 and $0.38 in Q1 2026. Record revenue totaled $462.7 million.
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Average loans grew $1.0 billion year-over-year to $35.5 billion, driven by $1.1 billion in consumer loan growth. Average deposits increased $1.5 billion to $38.7 billion with broad-based growth across categories.
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Net interest income rose $6.4 million sequentially to $365.7 million on earning asset growth and lower funding costs. Net interest margin (FTE) held steady at 3.25%.
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Asset quality improved with non-performing loans plus OREO to total loans declining 3 basis points to 0.31% and total delinquency down 3 basis points to 0.71%. Net charge-offs were 0.19% annualized.
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Repurchased $47 million of common stock (2.7 million shares) at a weighted average price of $17.46. Tangible book value per share increased 9.9% year-over-year to $12.24.
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Summary
FNB Corporation delivered strong second quarter 2026 results with earnings per share of $0.42, representing 16.7% year-over-year growth and 10.5% sequential improvement. The bank achieved record revenue of $462.7 million while expanding its balance sheet with $1.0 billion in loan growth and $1.5 billion in deposit growth compared to the prior year.
Consumer lending drove the loan expansion, particularly residential mortgages which grew $858.4 million year-over-year. Net interest income increased both sequentially and year-over-year, benefiting from earning asset growth and lower deposit costs that offset compression in asset yields. The net interest margin remained stable at 3.25%.
Asset quality metrics improved across the board, with non-performing loans declining to 0.31% of total loans and delinquency falling to 0.71%. The bank returned $47 million to shareholders through stock repurchases during the quarter while growing tangible book value per share by 9.9% year-over-year to $12.24. The combination of earnings growth, balance sheet expansion, stable margins, and improving credit quality demonstrates solid execution in the current operating environment.
Section-by-Section Diff
Event · Exhibit 99.1
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F.N.B. Corporation (NYSE: FNB) reported earnings for the second quarter of 2026 with net income of $148.7 million, or $0.42 per diluted common share. Comparatively, second quarter 2025 net income totaled $130.7 million, or $0.36 per diluted common share, and first quarter 2026 net income totaled $137.0 million, or $0.38 per diluted common share.
FNB reported second quarter 2026 net income of $148.7 million, or $0.42 per diluted share, representing a 16.7% increase in earnings per share compared to $0.36 in the prior-year quarter and 10.5% growth from the prior quarter's $0.38. The company achieved record revenue of $462.7 million.
Added in current filing · view on EDGAR →
Average loans and leases totaled $35.5 billion, an increase of $1.0 billion, or 2.9%, as the growth of $1.1 billion in consumer loans more than offset a slight decrease of $66.7 million in commercial loans and leases. ... Average deposits totaled $38.7 billion, an increase of $1.5 billion, or 4.1%, reflecting growth in average money market deposits of $727.3 million, average interest-bearing demand deposits of $541.0 million, average non-interest-bearing demand deposits of $129.8 million, average time deposits of $71.0 million and average savings deposits of $65.4 million.
Average loans and leases grew $1.0 billion year-over-year to $35.5 billion, driven by $1.1 billion growth in consumer loans (particularly residential mortgages up $858.4 million). Average deposits increased $1.5 billion to $38.7 billion, with broad-based growth across deposit categories. The loan-to-deposit ratio was 92.5% at quarter-end.
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Provision for credit losses was $21.4 million, an increase of $2.9 million from the prior quarter, with net charge-offs of $17.0 million, or 0.19% annualized of total average loans, compared to $15.9 million, or 0.18% annualized, in the prior quarter. The ratio of non-performing loans and other real estate owned (OREO) to total loans and leases and OREO decreased 3 basis points from the prior quarter to 0.31%, and total delinquency decreased 3 basis points from the prior quarter to 0.71%.
The provision for credit losses was $21.4 million with net charge-offs of $17.0 million (0.19% annualized). Non-performing loans plus OREO to total loans improved 3 basis points to 0.31%, and total delinquency decreased 3 basis points to 0.71%. The allowance for credit losses to total loans ratio was 1.25%.
Event · Item 2.02 — Results of Operations and Financial Condition
FNB announced Q2 2026 financial results via press release.
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On July 16, 2026, F.N.B. Corporation announced financial results for the quarter ended June 30, 2026.
FNB disclosed its second quarter 2026 financial results. The 8-K references a press release (Exhibit 99.1) containing the detailed results, but the body of the filing does not provide specific financial figures such as earnings per share, net income, revenue, or other performance metrics.
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Figures/quotes linked to EDGAR · Narrative written by AI · Jul 21, 2026 · How we verify