F.N.B. Corporation (FNB): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

En el panorama dinámico de la banca moderna, F.N.B. Corporation (FNB) emerge como una potencia estratégica, combinando sin problemas los servicios financieros tradicionales con innovación digital de vanguardia. Al crear meticulosamente un lienzo de modelo de negocio integral, FNB demuestra su compromiso de ofrecer experiencias bancarias personalizadas y multicanal que atienden a diversos segmentos de clientes, desde clientes minoristas individuales hasta entidades corporativas complejas. Su enfoque único integra la destreza tecnológica, las estrategias centradas en la comunidad y las soluciones financieras sólidas, posicionándolas como un jugador distintivo en el ecosistema bancario competitivo.

F.N.B. Corporación (FNB) - Modelo de negocio: asociaciones clave

Bancos regionales e instituciones financieras

F.N.B. Corporation mantiene asociaciones estratégicas con múltiples instituciones financieras regionales:

Institución asociada	Tipo de asociación	Detalles de colaboración
Primer Banco Nacional de Pensilvania	Servicios colaborativos	Expansión de la red regional
Corporación financiera de Truist	Banca interregional	Infraestructura digital compartida

Proveedores de tecnología

La plataforma de banca digital de FNB se basa en asociaciones de tecnología estratégica:

• Fiserv, Inc. - Soluciones de tecnología bancaria central
• Microsoft Azure - Infraestructura de computación en la nube
• Jack Henry & Asociados: plataformas de banca digital

Asociaciones de la compañía de seguros

Las colaboraciones integradas de productos financieros incluyen:

Socio	Tipo de producto	Participación de ingresos
Seguro nacional	Seguro de propiedad y víctimas	Tasa de comisión del 15%
Mutual de Omaha	Seguro de vida y salud	Tasa de comisión del 12%

Asociaciones de clientes comerciales

Los servicios de préstamos comerciales de FNB implican asociaciones con:

• Programas de préstamos de Administración de Pequeñas Empresas (SBA)
• Redes de Cámara de Comercio Local
• Organizaciones regionales de desarrollo económico

Valor de red de asociación total: $ 2.3 mil millones en servicios financieros colaborativos

F.N.B. Corporación (FNB) - Modelo de negocio: actividades clave

Operaciones bancarias comerciales y minoristas

A partir de 2024, F.N.B. Corporation opera 346 oficinas de banca de servicio completo en seis estados. Los activos totales informaron en $ 44.3 mil millones con $ 33.2 mil millones en préstamos totales y $ 38.5 mil millones en depósitos totales.

Canal bancario	Volumen total	Recuento de transacciones anuales
Rama banca	$ 22.1 mil millones	4.2 millones de transacciones
Banca digital	$ 15.6 mil millones	7.8 millones de transacciones

Desarrollo de la plataforma de banca digital

F.N.B. Corporation invirtió $ 87.4 millones en infraestructura de tecnología digital en 2023.

• Usuarios de banca móvil: 1.2 millones
• Usuarios bancarios en línea: 2.1 millones
• Tasa de crecimiento de la transacción digital: 18.3%

Servicios de gestión de patrimonio y inversión

Activos totales bajo administración: $ 12.6 mil millones con 86,000 clientes de gestión de patrimonio.

Producto de inversión	Activos totales	Segmento de clientes
Cuentas de jubilación	$ 5.4 mil millones	45,000 clientes
Carteras de inversión	$ 7.2 mil millones	41,000 clientes

Gestión de riesgos y monitoreo de cumplimiento

Asignación del presupuesto de cumplimiento: $ 42.6 millones en 2023.

• Personal de cumplimiento regulatorio: 214 empleados
• Inversión en tecnología de cumplimiento: $ 18.3 millones
• Cobertura anual de evaluación de riesgos: 100% de las operaciones

Gestión de la relación con el cliente

La infraestructura de servicio al cliente abarca 346 sucursales con 4.200 empleados totales dedicados a las interacciones del cliente.

Métrica de servicio al cliente	Actuación
Tasa de satisfacción del cliente	87.6%
Retención promedio de clientes	7.4 años

F.N.B. Corporación (FNB) - Modelo de negocio: recursos clave

Red de sucursal extensa

F.N.B. Corporation opera 345 oficinas bancarias en 7 estados a partir del cuarto trimestre de 2023, específicamente en Pensilvania, Ohio, Maryland, West Virginia, Virginia, Carolina del Norte y Carolina del Sur.

Estado	Número de ramas
Pensilvania	218
Ohio	57
Maryland	36
Otros estados	34

Infraestructura de tecnología de banca digital

Inversión tecnológica: $ 78.3 millones asignados para la infraestructura de transformación digital y tecnología en 2023.

• Plataforma de banca móvil con 1.2 millones de usuarios activos
• Servicios bancarios en línea que respaldan a 2.4 millones de clientes
• Capacidades de procesamiento de transacciones en tiempo real

Recursos de capital humano

Fuerza laboral total de 6.095 empleados al 31 de diciembre de 2023.

Categoría de empleado	Número
Empleados de tiempo completo	5,742
Empleados a tiempo parcial	353

Activos financieros y reservas de capital

Métricas financieras a partir del cuarto trimestre 2023:

• Activos totales: $ 44.8 mil millones
• Equidad del accionista: $ 5.6 mil millones
• Relación de capital de nivel 1: 12.3%

Sistemas de ciberseguridad

Inversión anual de ciberseguridad: $ 22.5 millones en 2023 para infraestructura de seguridad avanzada.

• Monitoreo de seguridad 24/7
• Sistemas de autenticación multifactor
• Protocolos de transacción encriptados

F.N.B. Corporación (FNB) - Modelo de negocio: propuestas de valor

Soluciones bancarias integrales para diversos segmentos de clientes

A partir del cuarto trimestre de 2023, F.N.B. Corporation atiende a aproximadamente 2.5 millones de clientes en sus plataformas bancarias. El banco ofrece soluciones específicas en múltiples segmentos de clientes:

Segmento de clientes	Productos bancarios específicos	Penetración del mercado
Banca personal	Cuentas de control/ahorro	1.4 millones de clientes
Pequeño negocio	Comprobación de negocios, préstamos	640,000 clientes comerciales
Banca corporativa	Líneas de crédito corporativas	98,000 cuentas corporativas

Experiencias bancarias digitales y tradicionales integradas

Métricas de banca digital para FNB a partir de 2024:

• Usuarios de banca móvil: 1.2 millones
• Volumen de transacciones en línea: 78 millones de transacciones anuales
• Disponibilidad de la plataforma digital: 99.97% de tiempo de actividad

Servicios de asesoramiento financiero personalizado

Desglose del servicio de asesoramiento financiero:

Tipo de servicio de asesoramiento	Volumen anual del cliente	Tamaño promedio de la cartera
Gestión de patrimonio	45,000 clientes	Cartera promedio de $ 2.3 millones
Planificación de jubilación	62,000 clientes	Fondo de jubilación promedio de $ 850,000

Tasas de interés competitivas y productos bancarios de baja tarifa

Tarifas de productos bancarios actuales:

• Interés de cuenta corriente: 0.15%
• Intereses de la cuenta de ahorro: 0.35%
• Tasas de CD: 1.25% - 3.40%
• Tarifa promedio de mantenimiento mensual: $ 5.99

Apoyo financiero local centrado en la comunidad

Estadísticas de inversión comunitaria:

Categoría de inversión comunitaria	Monto de inversión anual
Préstamos para pequeñas empresas	$ 425 millones
Subvenciones de desarrollo comunitario	$ 18.7 millones
Programas de desarrollo económico local	$ 36.5 millones

F.N.B. Corporation (FNB) - Modelo de negocios: relaciones con los clientes

Gerentes de relaciones bancarias personales

A partir de 2024, F.N.B. Corporation mantiene 452 gerentes de relaciones bancarias personales dedicadas en su red regional. Estos gerentes atienden a aproximadamente 127,800 clientes de banca de alto valor nínimo y de negocios.

Segmento de clientes	Número de gerentes de relaciones	Cartera promedio de clientes
Individuos de alto nivel de red	178	285 clientes por gerente
Banca de negocios	274	342 clientes comerciales por gerente

Canales de atención al cliente digital 24/7

F.N.B. Corporation proporciona soporte digital integral con las siguientes métricas:

• Tiempo de respuesta promedio de soporte digital: 8.2 minutos
• Interacciones anuales de soporte digital: 2.7 millones
• Canales de soporte digital: chat en vivo, correo electrónico, teléfono, redes sociales

Canal de soporte	Volumen de interacción mensual	Tasa de satisfacción del cliente
Chat en vivo	215,600	89.4%
Soporte telefónico	187,300	86.7%
Soporte por correo electrónico	92,400	84.3%

Plataformas de banca móvil y en línea

Estadísticas de plataforma de banca digital para F.N.B. Corporación en 2024:

• Usuarios de banca móvil: 1.42 millones
• Usuarios bancarios en línea: 1.68 millones
• Descargas de aplicaciones móviles: 487,300
• Volumen de transacciones digitales: 42.6 millones de transacciones mensuales

Talleres regulares de educación financiera

F.N.B. La corporación realiza programas estructurados de educación financiera:

Categoría de taller	Talleres anuales	Participantes totales
Finanzas personales	276	18,400
Finanzas de pequeñas empresas	184	12,600
Planificación de jubilación	142	9,700

Estrategias de comunicación personalizadas

Enfoque de comunicación personalizado con métricas de participación específicas:

• Campañas de correo electrónico personalizadas: 1.3 millones mensuales
• Alcance de comunicación segmentado: 87.6% de la base de clientes
• Tasa de personalización de comunicación promedio: 73.2%

F.N.B. Corporación (FNB) - Modelo de negocios: canales

Red de sucursales físicas

F.N.B. Corporation opera 339 sucursales bancarios totales en 6 estados a partir del cuarto trimestre de 2023.

Estado	Número de ramas
Pensilvania	204
Ohio	62
Maryland	38
Carolina del Sur	35

Sitio web de banca en línea

FNB Digital Platform atiende a aproximadamente 2.1 millones de usuarios de banca en línea activos en 2023.

Aplicación de banca móvil

Características de la aplicación bancaria móvil:

• 1.6 millones de usuarios de banca móvil activa
• Más de 75 funciones de banca digital
• Capacidad de depósito de cheque móvil

Red de cajeros automáticos

F.N.B. Corporation mantiene 489 cajeros automáticos patentados en sus regiones operativas.

Tipo de ubicación de cajero automático	Número de cajeros automáticos
Ubicaciones de ramas	339
Ubicaciones independientes	150

Centros de llamadas de servicio al cliente

FNB opera 4 centros de llamadas de servicio al cliente con 672 representantes de servicio al cliente total.

• Tiempo promedio de respuesta de llamadas: 47 segundos
• Disponibilidad de soporte al cliente 24/7
• Servicios de soporte de varios idiomas

F.N.B. Corporación (FNB) - Modelo de negocio: segmentos de clientes

Clientes de banca minorista individual

A partir del cuarto trimestre de 2023, FNB atiende a aproximadamente 2.5 millones de clientes de banca minorista individual en sus regiones operativas.

Demográfico del cliente	Número de clientes	Penetración del mercado
Cuentas corrientes personales	1,750,000	68% del total de clientes minoristas
Cuentas de ahorro personal	1,450,000	56% del total de clientes minoristas

Pequeñas y medianas empresas

FNB admite 150,000 clientes pequeños y medianos de la empresa (PYME) en su cartera.

• Tamaño promedio del préstamo comercial: $ 275,000
• Portafolio de préstamos Total SME: $ 41.3 mil millones
• Clientes de banca de negocios en 12 mercados regionales

Clientes corporativos y comerciales

FNB atiende a 8.500 clientes corporativos y comerciales con soluciones financieras integrales.

Segmento de clientes	Total de clientes	Ingresos anuales promedio
Compañías del mercado medio	6,200	$ 50 millones - $ 500 millones
Grandes clientes corporativos	2,300	Más de $ 500 millones

Clientes de gestión de patrimonio

FNB administra $ 24.6 mil millones en activos de gestión de patrimonio para 45,000 clientes de alto patrimonio.

• Valor promedio de la cartera de clientes: $ 547,000
• Productos de inversión administrados: fondos mutuos, ETF, cuentas de jubilación
• Saldo mínimo de la cuenta: $ 250,000

Gobierno local e clientes institucionales

FNB brinda servicios financieros a 1.200 clientes locales e institucionales del gobierno local.

Segmento institucional	Número de clientes	Relaciones bancarias totales
Gobiernos municipales	850	$ 6.7 mil millones en activos totales
Instituciones educativas	220	$ 1.9 mil millones en activos totales
Organizaciones sin fines de lucro	130	$ 450 millones en activos totales

F.N.B. Corporación (FNB) - Modelo de negocio: Estructura de costos

Mantenimiento de la infraestructura tecnológica

F.N.B. Corporation invirtió $ 78.3 millones en infraestructura tecnológica en 2023. El desglose de los costos relacionados con la tecnología incluye:

Categoría de costos tecnológicos	Gasto anual
Mantenimiento de sistemas de TI	$ 42.1 millones
Inversiones de ciberseguridad	$ 22.6 millones
Actualizaciones de plataforma de banca digital	$ 13.6 millones

Salarios y beneficios de los empleados

Gastos totales relacionados con los empleados para F.N.B. Corporación en 2023:

Categoría de gastos	Cantidad
Salarios base	$ 456.7 millones
Beneficios de atención médica	$ 89.3 millones
Contribuciones de jubilación	$ 67.4 millones
Bonos de rendimiento	$ 38.2 millones

Gastos de operación de rama

• Costos operativos totales de la red de sucursales: $ 124.5 millones
• Costo promedio por sucursal: $ 1.2 millones
• Número de ramas físicas: 104

Costos de cumplimiento regulatorio

Área de cumplimiento	Gasto anual
Departamento legal y de cumplimiento	$ 35.6 millones
Informes regulatorios	$ 12.3 millones
Auditoría y gestión de riesgos	$ 21.7 millones

Gastos de marketing y adquisición de clientes

Asignación de presupuesto de marketing para 2023:

Canal de marketing	Gasto
Marketing digital	$ 18.4 millones
Publicidad de medios tradicional	$ 11.7 millones
Programas de adquisición de clientes	$ 15.2 millones

Estructura de costos totales para F.N.B. Corporación en 2023: $ 845.6 millones

F.N.B. Corporación (FNB) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos y productos de crédito

A partir del cuarto trimestre de 2023, F.N.B. La corporación reportó ingresos por intereses netos de $ 783.4 millones. El desglose de la cartera de préstamos incluye:

Categoría de préstamo	Volumen total	Rendimiento de intereses
Préstamos comerciales	$ 12.3 mil millones	6.45%
Préstamos al consumo	$ 8.7 mil millones	5.92%
Préstamos hipotecarios	$ 6.5 mil millones	5.37%

Tarifas bancarias y cargos de servicio

F.N.B. La corporación generó $ 298.6 millones en cargos y tarifas de servicio durante 2023, con el siguiente desglose:

• Tarifas de mantenimiento de la cuenta: $ 87.2 millones
• Tarifas de sobregiro: $ 65.4 millones
• Tarifas de transacción de cajeros automáticos: $ 42.1 millones
• Tasas de transferencia de cables: $ 33.9 millones
• Otros cargos de servicio bancario: $ 70.0 millones

Servicios de inversión y gestión de patrimonio

El segmento de gestión de patrimonio generó $ 156.2 millones en ingresos para 2023, con:

Categoría de servicio	Ganancia	Activos bajo administración
Aviso financiero	$ 68.5 millones	$ 14.3 mil millones
Planificación de jubilación	$ 47.3 millones	$ 9.7 mil millones
Gestión de inversiones	$ 40.4 millones	$ 11.2 mil millones

Tarifas de transacción

Los ingresos por la tarifa de transacción totalizaron $ 124.7 millones en 2023, que incluyen:

• Tarifas de transacción de tarjetas de débito: $ 62.3 millones
• Tarifas de transacción con tarjeta de crédito: $ 48.9 millones
• Procesamiento de pagos electrónicos: $ 13.5 millones

Ingresos del servicio bancario digital

Los servicios de banca digital generaron $ 87.5 millones en ingresos para 2023, con:

Servicio digital	Ganancia	Base de usuarios
Banca móvil	$ 38.6 millones	1.2 millones de usuarios
Banca en línea	$ 29.7 millones	1.5 millones de usuarios
Soluciones de pago digital	$ 19.2 millones	750,000 usuarios

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.