F.N.B. Corporation (FNB): Business Model Canvas

In der dynamischen Landschaft des modernen Bankwesens ist F.N.B. Corporation (FNB) entwickelt sich zu einem strategischen Kraftpaket, das traditionelle Finanzdienstleistungen nahtlos mit modernster digitaler Innovation verbindet. Durch die sorgfältige Erstellung eines umfassenden Business Model Canvas demonstriert FNB sein Engagement für die Bereitstellung personalisierter Multi-Channel-Banking-Erlebnisse, die unterschiedliche Kundensegmente bedienen – von einzelnen Privatkunden bis hin zu komplexen Unternehmenseinheiten. Ihr einzigartiger Ansatz vereint technologische Kompetenz, gemeinschaftsorientierte Strategien und robuste Finanzlösungen und positioniert sie als herausragenden Akteur im wettbewerbsintensiven Bankenökosystem.

F.N.B. Corporation (FNB) – Geschäftsmodell: Wichtige Partnerschaften

Regionalbanken und Finanzinstitute

F.N.B. Das Unternehmen unterhält strategische Partnerschaften mit mehreren regionalen Finanzinstituten:

Partnerinstitution	Partnerschaftstyp	Details zur Zusammenarbeit
Erste Nationalbank von Pennsylvania	Kollaborative Dienste	Regionaler Netzwerkausbau
Truist Financial Corporation	Überregionales Banking	Gemeinsame digitale Infrastruktur

Technologieanbieter

Die digitale Banking-Plattform der FNB setzt auf strategische Technologiepartnerschaften:

• Fiserv, Inc. – Kerntechnologielösungen für Banken
• Microsoft Azure – Cloud-Computing-Infrastruktur
• Jack Henry & Associates – Digitale Banking-Plattformen

Partnerschaften mit Versicherungsunternehmen

Integrierte Finanzproduktkooperationen umfassen:

Versicherungspartner	Produkttyp	Umsatzbeteiligung
Bundesweite Versicherung	Schaden- und Unfallversicherung	15 % Provisionssatz
Gegenseitigkeit von Omaha	Lebens- und Krankenversicherung	12 % Provisionssatz

Kommerzielle Kundenpartnerschaften

Die gewerblichen Kreditdienstleistungen der FNB umfassen Partnerschaften mit:

• Darlehensprogramme der Small Business Administration (SBA).
• Lokale Handelskammer-Netzwerke
• Regionale Wirtschaftsentwicklungsorganisationen

Gesamtwert des Partnerschaftsnetzwerks: 2,3 Milliarden US-Dollar an kollaborativen Finanzdienstleistungen

F.N.B. Corporation (FNB) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundengeschäfte

Ab 2024 ist F.N.B. Das Unternehmen betreibt 346 Bankbüros mit umfassendem Serviceangebot in sechs Bundesstaaten. Die Gesamtaktiva belaufen sich auf 44,3 Milliarden US-Dollar, davon entfallen 33,2 Milliarden US-Dollar auf Kredite und 38,5 Milliarden US-Dollar auf Einlagen.

Bankenkanal	Gesamtvolumen	Jährliche Transaktionsanzahl
Filialbanking	22,1 Milliarden US-Dollar	4,2 Millionen Transaktionen
Digitales Banking	15,6 Milliarden US-Dollar	7,8 Millionen Transaktionen

Entwicklung einer digitalen Banking-Plattform

F.N.B. Das Unternehmen investierte im Jahr 2023 87,4 Millionen US-Dollar in die digitale Technologieinfrastruktur.

• Mobile-Banking-Nutzer: 1,2 Millionen
• Online-Banking-Nutzer: 2,1 Millionen
• Wachstumsrate digitaler Transaktionen: 18,3 %

Vermögensverwaltung und Investmentdienstleistungen

Verwaltetes Gesamtvermögen: 12,6 Milliarden US-Dollar bei 86.000 Vermögensverwaltungskunden.

Anlageprodukt	Gesamtvermögen	Kundensegment
Altersvorsorgekonten	5,4 Milliarden US-Dollar	45.000 Kunden
Anlageportfolios	7,2 Milliarden US-Dollar	41.000 Kunden

Risikomanagement und Compliance-Überwachung

Zuweisung des Compliance-Budgets: 42,6 Millionen US-Dollar im Jahr 2023.

• Mitarbeiter zur Einhaltung gesetzlicher Vorschriften: 214 Mitarbeiter
• Investition in Compliance-Technologie: 18,3 Millionen US-Dollar
• Abdeckung der jährlichen Risikobewertung: 100 % des Betriebs

Kundenbeziehungsmanagement

Die Kundendienstinfrastruktur umfasst 346 Filialen mit insgesamt 4.200 Mitarbeitern, die sich um Kundeninteraktionen kümmern.

Kundendienstmetrik	Leistung
Kundenzufriedenheitsrate	87.6%
Durchschnittliche Kundenbindung	7,4 Jahre

F.N.B. Corporation (FNB) – Geschäftsmodell: Schlüsselressourcen

Umfangreiches Filialnetz

F.N.B. Das Unternehmen betreibt seit dem vierten Quartal 2023 345 Bankfilialen in sieben Bundesstaaten, insbesondere in Pennsylvania, Ohio, Maryland, West Virginia, Virginia, North Carolina und South Carolina.

Staat	Anzahl der Filialen
Pennsylvania	218
Ohio	57
Maryland	36
Andere Staaten	34

Digitale Banking-Technologie-Infrastruktur

Technologieinvestitionen: Im Jahr 2023 werden 78,3 Millionen US-Dollar für die digitale Transformation und Technologieinfrastruktur bereitgestellt.

• Mobile-Banking-Plattform mit 1,2 Millionen aktiven Nutzern
• Online-Banking-Dienste zur Unterstützung von 2,4 Millionen Kunden
• Echtzeit-Transaktionsverarbeitungsfunktionen

Humankapitalressourcen

Gesamtbelegschaft 6.095 Mitarbeiter zum 31. Dezember 2023.

Mitarbeiterkategorie	Nummer
Vollzeitbeschäftigte	5,742
Teilzeitbeschäftigte	353

Finanzielle Vermögenswerte und Kapitalrücklagen

Finanzkennzahlen ab Q4 2023:

• Gesamtvermögen: 44,8 Milliarden US-Dollar
• Eigenkapital: 5,6 Milliarden US-Dollar
• Kernkapitalquote: 12,3 %

Cybersicherheitssysteme

Jährliche Investition in Cybersicherheit: 22,5 Millionen US-Dollar im Jahr 2023 für fortschrittliche Sicherheitsinfrastruktur.

• Sicherheitsüberwachung rund um die Uhr
• Multifaktor-Authentifizierungssysteme
• Verschlüsselte Transaktionsprotokolle

F.N.B. Corporation (FNB) – Geschäftsmodell: Wertversprechen

Umfassende Banklösungen für unterschiedliche Kundensegmente

Ab dem 4. Quartal 2023 hat F.N.B. Das Unternehmen bedient über seine Bankplattformen rund 2,5 Millionen Kunden. Die Bank bietet zielgerichtete Lösungen für mehrere Kundensegmente:

Kundensegment	Spezifische Bankprodukte	Marktdurchdringung
Persönliches Banking	Giro-/Sparkonten	1,4 Millionen Kunden
Kleines Unternehmen	Geschäftsprüfung, Kredite	640.000 Geschäftskunden
Firmenkundengeschäft	Unternehmenskreditlinien	98.000 Firmenkonten

Integrierte digitale und traditionelle Bankerfahrungen

Digital-Banking-Kennzahlen für FNB ab 2024:

• Mobile-Banking-Nutzer: 1,2 Millionen
• Online-Transaktionsvolumen: 78 Millionen jährliche Transaktionen
• Verfügbarkeit der digitalen Plattform: 99,97 % Verfügbarkeit

Personalisierte Finanzberatungsdienste

Aufschlüsselung der Finanzberatungsleistungen:

Beratungsdiensttyp	Jährliches Kundenvolumen	Durchschnittliche Portfoliogröße
Vermögensverwaltung	45.000 Kunden	Durchschnittliches Portfolio von 2,3 Millionen US-Dollar
Ruhestandsplanung	62.000 Kunden	Durchschnittlicher Rentenfonds von 850.000 US-Dollar

Wettbewerbsfähige Zinssätze und gebührengünstige Bankprodukte

Aktuelle Zinssätze für Bankprodukte:

• Girokontozins: 0,15 %
• Sparkontozins: 0,35 %
• CD-Preise: 1,25 % – 3,40 %
• Durchschnittliche monatliche Wartungsgebühr: 5,99 $

Lokale, gemeinschaftsorientierte finanzielle Unterstützung

Community-Investitionsstatistik:

Kategorie „Gemeinschaftliche Investitionen“.	Jährlicher Investitionsbetrag
Kredite für kleine Unternehmen	425 Millionen Dollar
Zuschüsse für die Gemeindeentwicklung	18,7 Millionen US-Dollar
Lokale Wirtschaftsentwicklungsprogramme	36,5 Millionen US-Dollar

F.N.B. Corporation (FNB) – Geschäftsmodell: Kundenbeziehungen

Persönliche Bankbeziehungsmanager

Ab 2024 ist F.N.B. Das Unternehmen beschäftigt in seinem regionalen Netzwerk 452 engagierte persönliche Bankkundenbetreuer. Diese Manager betreuen rund 127.800 vermögende und gewerbliche Bankkunden.

Kundensegment	Anzahl der Kundenbetreuer	Durchschnittliches Kundenportfolio
Vermögende Privatpersonen	178	285 Kunden pro Manager
Geschäftsbanking	274	342 Geschäftskunden pro Manager

Digitale Kundensupportkanäle rund um die Uhr

F.N.B. Corporation bietet umfassende digitale Unterstützung mit den folgenden Kennzahlen:

• Durchschnittliche Reaktionszeit des digitalen Supports: 8,2 Minuten
• Jährliche digitale Support-Interaktionen: 2,7 Millionen
• Digitale Supportkanäle: Live-Chat, E-Mail, Telefon, soziale Medien

Support-Kanal	Monatliches Interaktionsvolumen	Kundenzufriedenheitsrate
Live-Chat	215,600	89.4%
Telefonsupport	187,300	86.7%
E-Mail-Support	92,400	84.3%

Mobile und Online-Banking-Plattformen

Statistiken zur digitalen Banking-Plattform für F.N.B. Unternehmen im Jahr 2024:

• Mobile-Banking-Nutzer: 1,42 Millionen
• Online-Banking-Nutzer: 1,68 Millionen
• Downloads mobiler Apps: 487.300
• Digitales Transaktionsvolumen: 42,6 Millionen monatliche Transaktionen

Regelmäßige Workshops zur Finanzbildung

F.N.B. Das Unternehmen führt strukturierte Finanzbildungsprogramme durch:

Workshop-Kategorie	Jährliche Workshops	Gesamtzahl der Teilnehmer
Persönliche Finanzen	276	18,400
Finanzierung für Kleinunternehmen	184	12,600
Ruhestandsplanung	142	9,700

Maßgeschneiderte Kommunikationsstrategien

Personalisierter Kommunikationsansatz mit gezielten Engagement-Kennzahlen:

• Personalisierte E-Mail-Kampagnen: 1,3 Millionen monatlich
• Segmentierte Kommunikationsreichweite: 87,6 % des Kundenstamms
• Durchschnittliche Personalisierungsrate der Kommunikation: 73,2 %

F.N.B. Corporation (FNB) – Geschäftsmodell: Kanäle

Physisches Filialnetz

F.N.B. Das Unternehmen betreibt ab dem vierten Quartal 2023 insgesamt 339 Bankfilialen in 6 Bundesstaaten.

Staat	Anzahl der Filialen
Pennsylvania	204
Ohio	62
Maryland	38
South Carolina	35

Online-Banking-Website

Die digitale Plattform FNB bedient im Jahr 2023 etwa 2,1 Millionen aktive Online-Banking-Nutzer.

Mobile-Banking-Anwendung

Funktionen der Mobile-Banking-Anwendung:

• 1,6 Millionen aktive Mobile-Banking-Nutzer
• Über 75 digitale Banking-Funktionen
• Möglichkeit zur mobilen Scheckeinzahlung

ATM-Netzwerk

F.N.B. Das Unternehmen unterhält in seinen Betriebsregionen 489 eigene Geldautomaten.

Typ des Geldautomatenstandorts	Anzahl Geldautomaten
Niederlassungsstandorte	339
Eigenständige Standorte	150

Kundendienst-Callcenter

FNB betreibt 4 Kundendienst-Callcenter mit insgesamt 672 Kundendienstmitarbeitern.

• Durchschnittliche Anrufantwortzeit: 47 Sekunden
• Kundensupport rund um die Uhr verfügbar
• Mehrsprachige Supportdienste

F.N.B. Corporation (FNB) – Geschäftsmodell: Kundensegmente

Privatkunden im Privatkundengeschäft

Im vierten Quartal 2023 betreut FNB in seinen operativen Regionen etwa 2,5 Millionen private Privatkunden.

Kundendemografie	Anzahl der Kunden	Marktdurchdringung
Persönliche Girokonten	1,750,000	68 % aller Einzelhandelskunden
Persönliche Sparkonten	1,450,000	56 % aller Einzelhandelskunden

Kleine und mittlere Unternehmen

FNB betreut in seinem Portfolio 150.000 kleine und mittelständische Unternehmen (KMU).

• Durchschnittliche Kredithöhe für Unternehmen: 275.000 $
• Gesamtes KMU-Kreditportfolio: 41,3 Milliarden US-Dollar
• Geschäftsbankkunden in 12 regionalen Märkten

Firmen- und Gewerbekunden

FNB betreut 8.500 Firmen- und Gewerbekunden mit umfassenden Finanzlösungen.

Kundensegment	Gesamtzahl der Kunden	Durchschnittlicher Jahresumsatz
Mittelständische Unternehmen	6,200	50 bis 500 Millionen Dollar
Große Firmenkunden	2,300	Über 500 Millionen US-Dollar

Wealth-Management-Kunden

FNB verwaltet 24,6 Milliarden US-Dollar an Vermögensverwaltungsvermögen für 45.000 vermögende Kunden.

• Durchschnittlicher Wert des Kundenportfolios: 547.000 USD
• Verwaltete Anlageprodukte: Investmentfonds, ETFs, Altersvorsorgekonten
• Mindestkontostand: 250.000 $

Kommunalverwaltung und institutionelle Kunden

FNB bietet Finanzdienstleistungen für 1.200 kommunale und institutionelle Kunden an.

Institutionelles Segment	Anzahl der Kunden	Gesamte Bankbeziehungen
Kommunalverwaltungen	850	Gesamtvermögen: 6,7 Milliarden US-Dollar
Bildungseinrichtungen	220	Gesamtvermögen: 1,9 Milliarden US-Dollar
Gemeinnützige Organisationen	130	Gesamtvermögen: 450 Millionen US-Dollar

F.N.B. Corporation (FNB) – Geschäftsmodell: Kostenstruktur

Wartung der Technologieinfrastruktur

F.N.B. Das Unternehmen investierte im Jahr 2023 78,3 Millionen US-Dollar in die Technologieinfrastruktur. Die Aufschlüsselung der technologiebezogenen Kosten umfasst:

Kategorie „Technologiekosten“.	Jährliche Ausgaben
Wartung von IT-Systemen	42,1 Millionen US-Dollar
Investitionen in Cybersicherheit	22,6 Millionen US-Dollar
Upgrades der digitalen Banking-Plattform	13,6 Millionen US-Dollar

Gehälter und Leistungen der Mitarbeiter

Gesamte mitarbeiterbezogene Aufwendungen für F.N.B. Unternehmen im Jahr 2023:

Ausgabenkategorie	Betrag
Grundgehälter	456,7 Millionen US-Dollar
Gesundheitsleistungen	89,3 Millionen US-Dollar
Altersvorsorgebeiträge	67,4 Millionen US-Dollar
Leistungsprämien	38,2 Millionen US-Dollar

Betriebskosten der Filiale

• Gesamtbetriebskosten des Filialnetzes: 124,5 Millionen US-Dollar
• Durchschnittliche Kosten pro Filiale: 1,2 Millionen US-Dollar
• Anzahl der physischen Filialen: 104

Kosten für die Einhaltung gesetzlicher Vorschriften

Compliance-Bereich	Jährliche Ausgaben
Rechts- und Compliance-Abteilung	35,6 Millionen US-Dollar
Regulatorische Berichterstattung	12,3 Millionen US-Dollar
Audit und Risikomanagement	21,7 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Zuweisung des Marketingbudgets für 2023:

Marketingkanal	Ausgaben
Digitales Marketing	18,4 Millionen US-Dollar
Traditionelle Medienwerbung	11,7 Millionen US-Dollar
Kundengewinnungsprogramme	15,2 Millionen US-Dollar

Gesamtkostenstruktur für F.N.B. Unternehmen im Jahr 2023: 845,6 Millionen US-Dollar

F.N.B. Corporation (FNB) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen und Kreditprodukten

Ab dem 4. Quartal 2023 hat F.N.B. Das Unternehmen meldete einen Nettozinsertrag von 783,4 Millionen US-Dollar. Die Aufschlüsselung des Kreditportfolios umfasst:

Kreditkategorie	Gesamtvolumen	Zinsertrag
Gewerbliche Kredite	12,3 Milliarden US-Dollar	6.45%
Verbraucherkredite	8,7 Milliarden US-Dollar	5.92%
Hypothekendarlehen	6,5 Milliarden US-Dollar	5.37%

Bankgebühren und Servicegebühren

F.N.B. Das Unternehmen erwirtschaftete im Jahr 2023 Servicegebühren und Gebühren in Höhe von 298,6 Millionen US-Dollar, mit folgender Aufteilung:

• Kontoführungsgebühren: 87,2 Millionen US-Dollar
• Überziehungsgebühren: 65,4 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 42,1 Millionen US-Dollar
• Gebühren für Überweisungen: 33,9 Millionen US-Dollar
• Sonstige Gebühren für Bankdienstleistungen: 70,0 Millionen US-Dollar

Investment- und Vermögensverwaltungsdienstleistungen

Das Vermögensverwaltungssegment erwirtschaftete im Jahr 2023 einen Umsatz von 156,2 Millionen US-Dollar, mit:

Servicekategorie	Einnahmen	Verwaltetes Vermögen
Finanzberatung	68,5 Millionen US-Dollar	14,3 Milliarden US-Dollar
Ruhestandsplanung	47,3 Millionen US-Dollar	9,7 Milliarden US-Dollar
Investmentmanagement	40,4 Millionen US-Dollar	11,2 Milliarden US-Dollar

Transaktionsgebühren

Die Einnahmen aus Transaktionsgebühren beliefen sich im Jahr 2023 auf insgesamt 124,7 Millionen US-Dollar, darunter:

• Gebühren für Debitkartentransaktionen: 62,3 Millionen US-Dollar
• Gebühren für Kreditkartentransaktionen: 48,9 Millionen US-Dollar
• Elektronische Zahlungsabwicklung: 13,5 Millionen US-Dollar

Einnahmen aus digitalen Bankdienstleistungen

Digitale Bankdienstleistungen erwirtschafteten im Jahr 2023 einen Umsatz von 87,5 Millionen US-Dollar, mit:

Digitaler Service	Einnahmen	Benutzerbasis
Mobiles Banking	38,6 Millionen US-Dollar	1,2 Millionen Benutzer
Online-Banking	29,7 Millionen US-Dollar	1,5 Millionen Benutzer
Digitale Zahlungslösungen	19,2 Millionen US-Dollar	750.000 Benutzer

F.N.B. Corporation (FNB) - Canvas Business Model: Value Propositions

You're looking at what F.N.B. Corporation (FNB) offers its clients-the core reasons they choose them over the competition as of late 2025. It's a comprehensive offering built on local presence and significant community investment.

Full-service financial suite: commercial, consumer, and wealth management. F.N.B. Corporation supports clients across the entire financial spectrum, from large commercial needs to personal banking and complex wealth planning. As of the third quarter of 2025, the company managed total assets of nearly $50 billion, specifically $49.889B. This scale backs up the breadth of services offered across its approximately 350 banking offices in seven states and the District of Columbia.

Here's a look at the components that make up this full suite:

Segment	Key Offerings Mentioned
Commercial Banking	Corporate banking, small business banking, investment real estate financing, government banking, business credit, capital markets, and lease financing.
Consumer Banking	Deposit products, mortgage lending, consumer lending, and a complete suite of mobile and online banking services.
Wealth Management	Asset management, private banking, and insurance.

Relationship-based model focused on being the primary operating bank. F.N.B. Corporation is clearly positioning itself to be the main financial hub for its customers. Management noted that investments in digital capabilities, data analytics, and Artificial Intelligence are specifically intended to 'broaden household penetration and increasingly serve as the primary bank for new and existing consumer and commercial clients'. This focus is supported by solid organic growth; average deposits grew to $37.9 billion in the third quarter of 2025.

Local decision-making for faster, more responsive capital access. The value here is speed and relevance, which is crucial when you need capital to move fast. While specific metrics on decision turnaround time aren't public, the operational structure implies this benefit. The loan-to-deposit ratio stood at a healthy 91% at September 30, 2025, showing active deployment of funds. Furthermore, the company projected mid-single-digit loan and deposit growth for the full 2025 year, suggesting continued focus on lending activity.

Commitment to community via the $50 million Main Street Revitalization Program. F.N.B. Corporation launched a nearly $50 million community development initiative in June 2025, targeting economic growth in rural business districts and historic neighborhoods. This isn't just talk; it's a concrete deployment of capital designed to revitalize local appeal and foster business formation. The program is structured around tangible actions:

• A $1 million small business grant program for facade improvements, administered with the Pittsburgh History & Landmark Foundation (PHLF).
• A proprietary low-interest loan program designed to deploy more than $30 million in financing for small businesses.
• An approximately $15 million planned investment in the rehabilitation and restoration of several historic F.N.B. Corporation branches.

Diversified non-interest income services like investment banking. A key indicator of a diversified offering is the performance of non-interest income, which shows revenue not solely reliant on the net interest margin. F.N.B. Corporation achieved a record $98.2 million in non-interest income for the third quarter of 2025. This was up 7.9% from the prior quarter. Mortgage banking operations income specifically saw a significant boost, increasing by $2.9 million, or 45.6%, driven by strong sold loan volumes. The full-year 2025 projection for this revenue stream was between $355 million and $365 million. This performance helps contribute to a peer-leading efficiency ratio (non-GAAP) of 52% reported for Q3 2025. Finance: draft 13-week cash view by Friday.

F.N.B. Corporation (FNB) - Canvas Business Model: Customer Relationships

You're looking at how F.N.B. Corporation keeps its clients engaged, which is clearly tied to their organic growth metrics. The bank's stated mission is to be your primary operating bank, meaning they focus on deepening relationships to gather low-cost deposits and grow quality loans.

Dedicated private banking and asset management advisory.

F.N.B. Corporation's wealth management services include asset management, private banking, and insurance. This segment shows tangible growth; for the third quarter of 2025, Wealth Management revenues increased by $1.5 million, which is an 8.0% increase. Specifically, trust income grew by 4.7% during that period, showing continued client reliance on these advisory services.

High-touch, in-person service through the branch network.

F.N.B. Corporation is actively expanding its physical presence to support in-person service, even while pushing digital adoption. As of June 30, 2025, the company operated approximately 350 banking offices across seven states and the District of Columbia. The strategy involves adding nearly 30 new concept branch locations over the next five years, which will bring the total network to approximately 380 branches and more than 1,600 ATMs following completion. This expansion targets high-growth markets in the Southeast and Mid-Atlantic regions, like North Carolina and South Carolina, where strategic efforts have already more than doubled total deposit balances in the Palmetto state.

Here are some key metrics showing the impact of relationship-driven growth across the business:

Metric Category	Time Period End Date	Value/Amount	Change/Context
Average Deposits Growth (Linked Quarter)	June 30, 2025	$155.6 million	Organic growth in new and existing customer relationships.
Average Deposits Growth (Linked Quarter)	September 30, 2025	$766.5 million	Organic growth in new and existing customer relationships.
Commercial Lease Growth	Q3 2025	$100.9 million (14.7%)	Driven by deepening customer relationships.
Wealth Management Revenue Increase	Q3 2025	$1.5 million (8.0%)	Driven by strong contributions across the footprint.

Digital self-service and mobile banking for convenience.

The bank employs a "Clicks-to-Bricks" strategy, integrating digital tools with the physical network. The eStore® Common Application is central to this, allowing for seamless transitions between channels. Submissions for the eStore Common app increased by 108 percent between the first and second quarter of 2025. Furthermore, in the second quarter of 2025, F.N.B. Corporation introduced Business First, a bundled checking solution for small businesses, available through the Common app, which includes integrated reporting and fraud mitigation services. Data prefilling technology is included in the system to eliminate keystrokes for customers.

Relationship managers for commercial and corporate clients.

The focus on high-caliber front-line bankers and relationship depth is recognized externally. For 2025, F.N.B. Corporation earned National honors from Crisil Coalition Greenwich for Satisfaction with Relationship Manager and Advisory Capabilities of Relationship Manager for middle market clients, defined as those with $10-$500 million in sales. The bank received a total of 15 Best Bank Awards for 2025. Support roles, like the Commercial Relationship Representative 2, focus on assisting portfolio managers and relationship managers with administrative duties, loan/deposit administration, and CRM maintenance.

Focus on deepening existing customer relationships for organic growth.

Deepening relationships is explicitly cited as a driver for balance sheet expansion. For instance, the 14.7% increase in commercial leases in the third quarter of 2025 was directly attributed to deepening customer relationships. Management's focus is on organic growth across core markets, which contributed to average deposits increasing by $766.5 million in the third quarter of 2025. The bank's strategy is to grow high-quality loans and gather low-cost deposits through these deep customer connections.

• Organic growth in new and existing customer relationships drove linked-quarter average deposit increases of $155.6 million in Q2 2025.
• The loan-to-deposit ratio improved to 91% at September 30, 2025, from 92% at June 30, 2025, reflecting disciplined balance sheet management alongside relationship growth.
• The company aims for mid-single-digit period-end loan and deposit growth for the full year 2025.

F.N.B. Corporation (FNB) - Canvas Business Model: Channels

You're looking at how F.N.B. Corporation physically and digitally connects its value proposition to its customers. This is where the rubber meets the road for their 'Clicks-to-Bricks' strategy, blending a physical footprint with digital convenience. Honestly, for a regional player, their channel strategy is quite aggressive in the Mid-Atlantic and Southeast.

Physical Branch Network

F.N.B. Corporation maintains a significant physical presence, which serves as the anchor for relationship banking and complex transactions. As of late 2025, the network consists of about 350 banking offices across Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C., and Virginia. This is set to grow, as First National Bank announced plans to add nearly 30 new branches over the next five years, targeting approximately 380 branches total.

Complete Suite of Mobile and Online Banking Services

The digital channel is clearly a major focus, evidenced by the investment in their proprietary eStore® platform. This platform aggregates product offerings across mobile, online, and in-branch kiosks. The results show traction:

• eStore interactions saw a 10% increase year-over-year as of March 2025.
• The eStore Common Application drove a 41% increase in average monthly loan applications and a 30% increase in average monthly deposit applications.
• Digital tools have helped reduce online account fraud by 52% year-over-year (as of March 2025).

This digital efficiency supports the overall financial performance; for instance, the non-GAAP efficiency ratio was a peer-leading 52% in the third quarter of 2025.

Extensive ATM Network

The ATM network is being strategically expanded to augment the branch system, aiming for broad geographic coverage and convenience. Following the planned branch additions, F.N.B. expects to operate more than 1,600 ATMs.

The Washington, D.C. subway system presence is a standout feature, establishing F.N.B. as the sole ATM provider for the Washington Metropolitan Area Transit Authority (Metro).

Here's a breakdown of the physical access points in the Mid-Atlantic region:

Channel Component	Scope/Metric	Data Point/Status
Total Projected ATMs (Post-Expansion)	Total ATMs	More than 1,600
Washington Metro Stations	Sole ATM Provider	ATM banking services at every Metro station
Metro ATM Addition	New Machines	More than 120 machines added by start of 2024
Giant Food Stores ATMs (MD, VA, DC)	Branded ATMs	More than 160 branded ATMs
South Carolina Investment	Branded/Owned ATMs in Greenville/Charleston	Almost 160 branded and owned ATMs

The bank is definitely using these high-traffic locations to increase reach.

Dedicated Contact Center for Customer Support and Operations

F.N.B. Corporation supports its channels with a dedicated Contact Center for customer support and operations. While I don't have the exact staff count or call volume for late 2025, this center works in tandem with the digital tools, such as the eStore, which allows customers to schedule appointments with bankers. This integration is part of their omnichannel approach.

Commercial Lending and Wealth Management Sales Teams

The physical channel also includes specialized sales teams embedded in key markets. For example, in Greenville and Charleston, South Carolina, downtown regional hubs house representatives for Commercial Banking, Commercial Real Estate, Small Business, Wealth Management, and Mortgage services. This structure ensures that relationship-focused services are accessible alongside standard teller and digital functions. The bank reported annualized average loan growth of 5.3% in Q2 2025, which reflects the activity of these relationship-based sales efforts.

Finance: draft 13-week cash view by Friday.

F.N.B. Corporation (FNB) - Canvas Business Model: Customer Segments

You're looking at the customer base of F.N.B. Corporation, a regional powerhouse with nearly $50 billion in total assets as of the third quarter of 2025. Their strategy is built on serving a diverse set of clients across a defined geographic footprint, which they are actively deepening.

Here's a quick look at the scale of the business supporting these segments as of September 30, 2025:

Metric	Amount (as of Q3 2025)
Total Assets	Nearly $50 billion
Average Loans and Leases	$34.8 billion
Average Deposits	$37.9 billion
Loan Portfolio Split (Commercial vs. Consumer)	Commercial: 63%; Consumer: 37%
Total Banking Offices (Pre-Expansion)	Approximately 350

The customer segments are clearly delineated by the services F.N.B. Corporation offers, which span commercial, consumer, and wealth management solutions.

Commercial clients: corporate, small business, and investment real estate.

This group represents the larger portion of the lending activity, accounting for 63% of the total loan and lease portfolio as of the third quarter of 2025. The commercial banking solutions F.N.B. Corporation provides include:

• Corporate banking services.
• Small business banking solutions.
• Investment real estate financing.
• Government banking.

The focus on core Commercial & Industrial (C&I) lending activity is expected to continue driving growth for this segment.

Consumer clients: individuals needing deposit, mortgage, and lending products.

Consumer activity is significant, making up 37% of the loan portfolio in Q3 2025, and it was the primary driver of recent loan growth, contributing $994.7 million to the $1.0 billion increase in average loans and leases that quarter. This segment relies on the full line of consumer banking products, including:

• Deposit products, where non-interest-bearing demand deposits held a stable mix of 26% of total deposits on September 30, 2025.
• Mortgage lending.
• General consumer lending.

Wealth management clients: high-net-worth individuals and families.

F.N.B. Corporation serves this group through its dedicated Wealth Management segment, which includes asset management, private banking, and insurance offerings. This service line is a key part of their diversified financial services approach.

Government and public finance entities.

The commercial banking solutions explicitly list government banking, indicating a dedicated focus on serving public sector entities. Furthermore, F.N.B. Corporation has expanded into public finance services.

Customers across the Mid-Atlantic and Southeast (e.g., Charlotte, Pittsburgh, Baltimore).

F.N.B. Corporation is headquartered in Pittsburgh, Pennsylvania, which anchors its presence in the Mid-Atlantic. The bank operates in seven states and the District of Columbia, with a major strategic focus on high-growth markets in the Southeast and Mid-Atlantic. Key metropolitan areas where customer segments are served include:

• Pittsburgh, Pennsylvania.
• Baltimore, Maryland.
• Charlotte, North Carolina.
• Charleston, South Carolina.

The bank is actively bolstering this footprint, planning to add nearly 30 new branches over the next five years, with the majority supporting expansion in North Carolina, South Carolina, Maryland, Virginia, and Washington, D.C., aiming for approximately 380 total locations. This expansion strategy is designed to rebalance the location mix, with about 50% of its offices expected to be in the Southeast region by the end of the rollout.

Finance: draft the next section's data requirements by next Tuesday.

F.N.B. Corporation (FNB) - Canvas Business Model: Cost Structure

You're looking at the expense side of F.N.B. Corporation's (FNB) engine, the costs that keep the lights on and the digital platforms running. For a bank, this structure is heavily weighted toward funding costs and the people who manage the money and relationships.

The single largest cost driver, interest expense on deposits and borrowings, isn't directly stated as an expense number in the latest reports, but we see its impact through the cost of funds. The total cost of funds for F.N.B. Corporation in Q3 2025 settled at 2.23%. Digging deeper into that funding mix, the cost for interest-bearing deposits was stable at 2.66%, while total borrowing costs declined 6 basis points to 4.65% in the third quarter of 2025. This cost structure directly impacts the Net Interest Income (NII), which hit a record $359.3 million in Q3 2025.

Operating expenses, which the prompt suggested were $2.029 billion for the TTM ending Q3 2025, are better represented by the more recent guidance. F.N.B. Corporation revised its full-year 2025 non-interest expense guidance to a range of $975 million to $985 million, signaling a disciplined approach to overhead, even while investing. The efficiency ratio for Q3 2025 was a strong 52.4%, down from 54.8% in the prior quarter, which shows they are managing these costs well relative to revenue.

Here's a breakdown of the key expense line items we can quantify from the Q3 2025 results and guidance:

Cost Component	Latest Available Metric/Amount	Period
Provision for Credit Losses (PCL)	$24.0 million	Q3 2025
Non-Interest Expense (Guidance Midpoint)	Approx. $980 million (based on $975M-$985M range)	FY 2025 Guidance
Non-Interest Expense (Reported)	Approx. $243.5 million	Q3 2025
Cost of Interest-Bearing Deposits	2.66%	Q3 2025
Total Cost of Funds	2.23%	Q3 2025

Personnel costs, covering branch staff and relationship managers, are a major part of that non-interest expense. While we don't have the TTM figure, we know salaries and employee benefits increased $8.9 million year-over-year in Q2 2025, driven by strategic hiring. That's the human capital cost right there. It's a necessary investment to drive the loan and deposit growth they are seeing.

Technology and data processing expenses are clearly a focus area, as management noted investments in Artificial Intelligence and data analytics. In Q3 2025, 'Outside services' increased by $1.7 million, or 6.8%, specifically due to higher volume-related technology and third-party costs. This shows you where some of the operational spend is going to maintain that peer-leading efficiency ratio.

The PCL is a direct cost tied to risk management. For the third quarter of 2025, the provision for credit losses was set at $24.0 million. That compares to net charge-offs of $19.7 million in the same period. The allowance for credit losses (ACL) stood at $437.3 million at the end of Q3 2025.

Here are the key cost drivers that make up the non-interest expense bucket:

• Salaries and employee benefits (a major component).
• Technology and third-party costs (rising due to volume).
• General administrative and occupancy costs (implied in total OpEx).
• FDIC special assessment adjustments (a one-time item impacting Q3 2025).

If onboarding takes 14+ days, churn risk rises, which means higher replacement costs for personnel, so keeping that process tight is key.

Finance: draft 13-week cash view by Friday.

F.N.B. Corporation (FNB) - Canvas Business Model: Revenue Streams

You're looking at the core engine of F.N.B. Corporation's profitability as of late 2025, specifically focusing on the third quarter results which set several records. The revenue streams are clearly diversified, balancing traditional lending income with robust fee-based services, which is key to maintaining that peer-leading efficiency ratio of 52% (non-GAAP) in Q3 2025.

The primary driver remains the interest-earning side of the balance sheet. Net Interest Income (NII) from loans hit a record $359.3 million in Q3 2025. This represented an increase of $12.1 million, or 3.5%, compared to the linked quarter, driven by growth in earning assets and lower cost of funds. To be fair, the net interest margin (FTE) also expanded to 3.25%, up 6 basis points from Q2 2025.

Complementing this is the record Non-interest income, which totaled $98.2 million in Q3 2025. This was a 7.9% increase from the prior quarter, showing the success of their fee-based engines. Overall, these two components combined for a record total revenue of $457 million in the third quarter of 2025.

Here's a quick breakdown of how those non-interest income components contributed to that $98.2 million record:

• Mortgage banking operations income saw a 45.6% linked-quarter increase.
• Capital markets income grew by 27.1% linked-quarter.
• Wealth Management revenues were up 8.0% year-over-year.
• Other non-interest income saw a significant increase, largely due to a $5.4 million recovery on an asset previously written off.

You can see the specific growth drivers within the fee-based segments in the table below. These figures really highlight the success of their diversified business model.

Revenue Stream Component	Q3 2025 Amount/Metric	Linked-Quarter Change	Year-over-Year Change
Net Interest Income (NII)	$359.3 million (Record)	+3.5%	Over 11%
Non-interest Income (Total)	$98.2 million (Record)	+7.9%	+9.5%
Mortgage Banking Operations Income	Not specified in dollars	+45.6%	+65.8%
Capital Markets Income	Not specified in dollars	+14.2%	+27.1%
Wealth Management Revenues	Not specified in dollars	Not specified	+8.0%

Drilling down into the specialized services, F.N.B. Corporation generates substantial fees from its capital markets and wealth management operations. Capital markets income benefited from record debt capital markets and international banking income, plus activity in customer swaps, syndications, public finance, and advisory services. For instance, securities commissions and fees within Wealth Management saw a 12.6% increase.

The strength in mortgage banking operations income is explicitly tied to strong sold loan volumes, which is a direct indicator of their activity in that market segment. This is a critical part of their non-interest income mix, showing they are actively monetizing loan origination activity through sales, not just holding the loans for interest income. If onboarding takes 14+ days, churn risk rises, but here, strong sold loan volumes suggest efficient pipeline management.

The wealth management, asset management, and insurance fees are bundled into the Wealth Management revenue line, which showed consistent growth. Trust income specifically grew by 4.7%. This segment supports the overall strategy by providing sticky, fee-based revenue that is less sensitive to short-term interest rate fluctuations than pure NII. Finance: draft 13-week cash view by Friday.