F.N.B. Corporation (FNB): Business Model Canvas [Jan-2025 Mise à jour]

Dans le paysage dynamique de la banque moderne, F.N.B. Corporation (FNB) apparaît comme une puissance stratégique, mélangeant de manière transparente les services financiers traditionnels avec l'innovation numérique de pointe. En fabriquant méticuleusement une toile complète du modèle commercial, FNB démontre son engagement à offrir des expériences bancaires personnalisées et multicanaux qui s'adressent à divers segments de clients - de clients de détail individuels à des entités d'entreprise complexes. Leur approche unique intègre les prouesses technologiques, les stratégies axées sur la communauté et les solutions financières robustes, les positionnant comme un acteur distinctif de l'écosystème bancaire compétitif.

F.N.B. Corporation (FNB) - Modèle d'entreprise: partenariats clés

Banques régionales et institutions financières

F.N.B. La société maintient des partenariats stratégiques avec plusieurs institutions financières régionales:

Institution partenaire	Type de partenariat	Détails de collaboration
Première Banque nationale de Pennsylvanie	Services collaboratifs	Extension du réseau régional
TRUISTE CORPORATION FINANCIER	Banque interrogétique	Infrastructure numérique partagée

Fournisseurs de technologies

La plate-forme bancaire numérique de la FNB s'appuie sur des partenariats technologiques stratégiques:

• Fiserv, Inc. - Core Banking Technology Solutions
• Microsoft Azure - Infrastructure de cloud computing
• Jack Henry & Associés - plateformes bancaires numériques

Partenariats des compagnies d'assurance

Les collaborations intégrées de produits financiers comprennent:

Partenaire d'assurance	Type de produit	Part des revenus
Assurance à l'échelle nationale	Assurance des biens et des victimes	Taux de commission de 15%
Mutuel d'Omaha	Assurance vie et santé	Taux de commission de 12%

Partenariats des clients commerciaux

Les services de prêt commercial de la FNB impliquent des partenariats avec:

• Programmes de prêt de l'administration des petites entreprises (SBA)
• Réseaux locaux de la Chambre de commerce
• Organisations de développement économique régional

Valeur totale du réseau de partenariat: 2,3 milliards de dollars en services financiers collaboratifs

F.N.B. Corporation (FNB) - Modèle d'entreprise: activités clés

Opérations bancaires commerciales et de détail

En 2024, F.N.B. Corporation exploite 346 bureaux bancaires à service complet dans six États. Les actifs totaux ont déclaré 44,3 milliards de dollars avec 33,2 milliards de dollars de prêts totaux et 38,5 milliards de dollars de dépôts totaux.

Canal bancaire	Volume total	Compte de transactions annuel
Banque de succursale	22,1 milliards de dollars	4,2 millions de transactions
Banque numérique	15,6 milliards de dollars	7,8 millions de transactions

Développement de la plate-forme bancaire numérique

F.N.B. Corporation a investi 87,4 millions de dollars dans l'infrastructure technologique numérique en 2023.

• Utilisateurs des banques mobiles: 1,2 million
• Utilisateurs bancaires en ligne: 2,1 millions
• Taux de croissance des transactions numériques: 18,3%

Services de gestion de patrimoine et d'investissement

Total des actifs sous gestion: 12,6 milliards de dollars avec 86 000 clients de la gestion de patrimoine.

Produit d'investissement	Actif total	Segment client
Comptes de retraite	5,4 milliards de dollars	45 000 clients
Portefeuilles d'investissement	7,2 milliards de dollars	41 000 clients

Gestion des risques et surveillance de la conformité

Attribution du budget de la conformité: 42,6 millions de dollars en 2023.

• Personnel de conformité réglementaire: 214 employés
• Investissement technologique de conformité: 18,3 millions de dollars
• Couverture annuelle d'évaluation des risques: 100% des opérations

Gestion de la relation client

L'infrastructure du service client s'étend sur 346 succursales avec 4 200 employés au total dédiés aux interactions client.

Métrique du service client	Performance
Taux de satisfaction client	87.6%
Rétention moyenne de la clientèle	7,4 ans

F.N.B. Corporation (FNB) - Modèle d'entreprise: Ressources clés

Réseau de succursale étendue

F.N.B. Corporation exploite 345 bureaux bancaires dans 7 États au quatrième trimestre 2023, en particulier en Pennsylvanie, en Ohio, au Maryland, en Virginie-Occidentale, en Virginie, en Caroline du Nord et en Caroline du Sud.

État	Nombre de branches
Pennsylvanie	218
Ohio	57
Maryland	36
Autres États	34

Infrastructure de technologie bancaire numérique

Investissement technologique: 78,3 millions de dollars alloués à l'infrastructure numérique de transformation et de technologie en 2023.

• Plateforme de banque mobile avec 1,2 million d'utilisateurs actifs
• Services bancaires en ligne soutenant 2,4 millions de clients
• Capacités de traitement des transactions en temps réel

Ressources de capital humain

Total de main-d'œuvre de 6 095 employés au 31 décembre 2023.

Catégorie des employés	Nombre
Employés à temps plein	5,742
Employés à temps partiel	353

Actifs financiers et réserves de capital

Mesures financières auprès du quatrième trimestre 2023:

• Actif total: 44,8 milliards de dollars
• Pariement des actionnaires: 5,6 milliards de dollars
• Ratio de capital de niveau 1: 12,3%

Systèmes de cybersécurité

Investissement annuel de cybersécurité: 22,5 millions de dollars en 2023 pour les infrastructures de sécurité avancées.

• Surveillance de la sécurité 24/7
• Systèmes d'authentification multi-facteurs
• Protocoles de transaction chiffrés

F.N.B. Corporation (FNB) - Modèle d'entreprise: propositions de valeur

Solutions bancaires complètes pour divers segments de clients

Au quatrième trimestre 2023, F.N.B. Corporation dessert environ 2,5 millions de clients sur ses plateformes bancaires. La banque propose des solutions ciblées sur plusieurs segments de clients:

Segment de clientèle	Produits bancaires spécifiques	Pénétration du marché
Banque personnelle	Comptes chèques / économies	1,4 million de clients
Petite entreprise	Vérification des entreprises, prêts	640 000 clients commerciaux
Banque commerciale	Lignes de crédit d'entreprise	98 000 comptes d'entreprise

Expériences bancaires numériques et traditionnelles intégrées

Métriques bancaires numériques pour FNB à partir de 2024:

• Utilisateurs des banques mobiles: 1,2 million
• Volume de transactions en ligne: 78 millions de transactions annuelles
• Disponibilité de la plate-forme numérique: 99,97% de disponibilité

Services de conseil financier personnalisés

Répartition des services de conseil financier:

Type de service consultatif	Volume annuel du client	Taille moyenne du portefeuille
Gestion de la richesse	45 000 clients	Portfolio moyen de 2,3 millions de dollars
Planification de la retraite	62 000 clients	Fonds moyen de retraite de 850 000 $

Taux d'intérêt concurrentiels et produits bancaires à faible effectif

Tarifs actuels des produits bancaires:

• Intérêt du compte chèque: 0,15%
• Intérêt du compte d'épargne: 0,35%
• Taux de CD: 1,25% - 3,40%
• Frais de maintenance mensuels moyens: 5,99 $

Soutien financier local axé sur la communauté

Statistiques d'investissement communautaire:

Catégorie d'investissement communautaire	Montant d'investissement annuel
Prêts aux petites entreprises	425 millions de dollars
Subventions au développement communautaire	18,7 millions de dollars
Programmes de développement économique local	36,5 millions de dollars

F.N.B. Corporation (FNB) - Modèle d'entreprise: relations clients

Gestionnaires de relations bancaires personnelles

En 2024, F.N.B. Corporation maintient 452 gestionnaires de relations bancaires personnelles dédiés à travers son réseau régional. Ces gestionnaires desservent environ 127 800 clients de bancs bancaires élevés et commerciaux.

Segment de clientèle	Nombre de gestionnaires de relations	Portefeuille de clients moyens
Individus à haute nette	178	285 clients par gestionnaire
Banque d'affaires	274	342 clients commerciaux par gestionnaire

Canaux de support client numérique 24/7

F.N.B. Corporation fournit un support numérique complet avec les mesures suivantes:

• Temps de réponse moyen du support numérique: 8,2 minutes
• Interactions annuelles de soutien numérique: 2,7 millions
• Canaux de support numérique: chat en direct, e-mail, téléphone, médias sociaux

Canal de support	Volume d'interaction mensuel	Taux de satisfaction client
Chat en direct	215,600	89.4%
Support téléphonique	187,300	86.7%
Assistance par e-mail	92,400	84.3%

Plateformes bancaires mobiles et en ligne

Statistiques de la plate-forme bancaire numérique pour F.N.B. Corporation en 2024:

• Utilisateurs des banques mobiles: 1,42 million
• Utilisateurs bancaires en ligne: 1,68 million
• Téléchargements d'applications mobiles: 487 300
• Volume de transactions numériques: 42,6 millions de transactions mensuelles

Ateliers d'éducation financière réguliers

F.N.B. La société mène des programmes de formation financière structurés:

Catégorie d'atelier	Ateliers annuels	Total des participants
Financement personnel	276	18,400
Finance des petites entreprises	184	12,600
Planification de la retraite	142	9,700

Stratégies de communication personnalisées

Approche de communication personnalisée avec des mesures d'engagement ciblées:

• Campagnes par e-mail personnalisées: 1,3 million
• Communication segmentée Reach: 87,6% de la clientèle
• Taux de personnalisation de la communication moyenne: 73,2%

F.N.B. Corporation (FNB) - Modèle d'entreprise: canaux

Réseau de succursale physique

F.N.B. Corporation exploite 339 succursales bancaires totales dans 6 États au T2 2023.

État	Nombre de branches
Pennsylvanie	204
Ohio	62
Maryland	38
Caroline du Sud	35

Site Web de banque en ligne

La plate-forme numérique FNB dessert environ 2,1 millions d'utilisateurs de services bancaires en ligne actifs en 2023.

Application bancaire mobile

Caractéristiques de l'application des banques mobiles:

• 1,6 million d'utilisateurs de services bancaires mobiles actifs
• Plus de 75 fonctionnalités bancaires numériques
• Capacité de dépôt de chèque mobile

Réseau ATM

F.N.B. La société maintient 489 distributeurs automatiques de billets propriétaires dans ses régions opérationnelles.

Type d'emplacement ATM	Nombre de distributeurs automatiques de billets
Succursales	339
Emplacements autonomes	150

Centres d'appels de service client

FNB exploite 4 centres d'appels de service à la clientèle avec 672 représentants du service client total.

• Temps de réponse d'appel moyen: 47 secondes
• Disponibilité du support client 24/7
• Services de support multi-langues

F.N.B. Corporation (FNB) - Modèle d'entreprise: segments de clientèle

Clients bancaires de détail individuels

Au quatrième trimestre 2023, le FNB dessert environ 2,5 millions de clients bancaires de détail individuels dans ses régions opérationnelles.

Client démographique	Nombre de clients	Pénétration du marché
Comptes de chèques personnels	1,750,000	68% du total des clients de détail
Comptes d'épargne personnels	1,450,000	56% du total des clients de détail

Petites et moyennes entreprises

FNB prend en charge 150 000 clients de petites et moyennes entreprises (PME) dans son portefeuille.

• Taille moyenne des prêts commerciaux: 275 000 $
• Portfolio total de prêts aux PME: 41,3 milliards de dollars
• Clients bancaires d'entreprise sur 12 marchés régionaux

Clients corporatifs et commerciaux

FNB dessert 8 500 clients d'entreprise et commerciaux avec des solutions financières complètes.

Segment client	Total des clients	Revenus annuels moyens
Entreprises de marché intermédiaire	6,200	50 millions de dollars - 500 millions de dollars
GRANDES clients d'entreprise	2,300	Plus de 500 millions de dollars

Clients de gestion de la patrimoine

FNB gère 24,6 milliards de dollars d'actifs de gestion de patrimoine pour 45 000 clients à forte valeur.

• Valeur moyenne du portefeuille des clients: 547 000 $
• Produits d'investissement gérés: fonds communs de placement, ETF, comptes de retraite
• Solde du compte minimum: 250 000 $

Gouvernement local et clients institutionnels

FNB fournit des services financiers à 1 200 gouvernements locaux et clients institutionnels.

Segment institutionnel	Nombre de clients	Relations bancaires totales
Gouvernements municipaux	850	6,7 milliards de dollars d'actifs totaux
Établissements d'enseignement	220	1,9 milliard de dollars d'actifs totaux
Organisations à but non lucratif	130	450 millions de dollars d'actifs totaux

F.N.B. Corporation (FNB) - Modèle d'entreprise: Structure des coûts

Maintenance des infrastructures technologiques

F.N.B. Corporation a investi 78,3 millions de dollars dans l'infrastructure technologique en 2023. La répartition des coûts liés à la technologie comprend:

Catégorie de coûts technologiques	Dépenses annuelles
Maintenance des systèmes informatiques	42,1 millions de dollars
Investissements en cybersécurité	22,6 millions de dollars
Mises à niveau de la plate-forme bancaire numérique	13,6 millions de dollars

Salaires et avantages sociaux des employés

Total des dépenses liées aux employés pour F.N.B. Corporation en 2023:

Catégorie de dépenses	Montant
Salaires de base	456,7 millions de dollars
Avantages sociaux	89,3 millions de dollars
Contributions à la retraite	67,4 millions de dollars
Bonus de performance	38,2 millions de dollars

Dépenses de fonctionnement de la succursale

• Coûts opérationnels du réseau de succursales: 124,5 millions de dollars
• Coût moyen par succursale: 1,2 million de dollars
• Nombre de branches physiques: 104

Coûts de conformité réglementaire

Zone de conformité	Dépenses annuelles
Département juridique et de conformité	35,6 millions de dollars
Représentation réglementaire	12,3 millions de dollars
Audit et gestion des risques	21,7 millions de dollars

Frais de marketing et d'acquisition des clients

Attribution du budget marketing pour 2023:

Canal de marketing	Dépense
Marketing numérique	18,4 millions de dollars
Publicité médiatique traditionnelle	11,7 millions de dollars
Programmes d'acquisition de clients	15,2 millions de dollars

Structure totale des coûts pour F.N.B. Corporation en 2023: 845,6 millions de dollars

F.N.B. Corporation (FNB) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts et des produits de crédit

Au quatrième trimestre 2023, F.N.B. La société a déclaré un revenu net d'intérêts de 783,4 millions de dollars. La répartition du portefeuille de prêts comprend:

Catégorie de prêt	Volume total	Rendement intéressant
Prêts commerciaux	12,3 milliards de dollars	6.45%
Prêts à la consommation	8,7 milliards de dollars	5.92%
Prêts hypothécaires	6,5 milliards de dollars	5.37%

Frais bancaires et frais de service

F.N.B. La société a généré 298,6 millions de dollars en frais de service et en frais en 2023, avec la ventilation suivante:

• Frais de maintenance du compte: 87,2 millions de dollars
• Frais de découvert: 65,4 millions de dollars
• Frais de transaction ATM: 42,1 millions de dollars
• Frais de transfert de fil: 33,9 millions de dollars
• Autres frais de service bancaire: 70,0 millions de dollars

Services d'investissement et de gestion de la patrimoine

Le segment de gestion de la patrimoine a généré 156,2 millions de dollars de revenus pour 2023, avec:

Catégorie de service	Revenu	Actifs sous gestion
Avis financier	68,5 millions de dollars	14,3 milliards de dollars
Planification de la retraite	47,3 millions de dollars	9,7 milliards de dollars
Gestion des investissements	40,4 millions de dollars	11,2 milliards de dollars

Frais de transaction

Les revenus des frais de transaction ont totalisé 124,7 millions de dollars en 2023, notamment:

• Frais de transaction par carte de débit: 62,3 millions de dollars
• Frais de transaction de carte de crédit: 48,9 millions de dollars
• Traitement des paiements électroniques: 13,5 millions de dollars

Revenus du service bancaire numérique

Les services bancaires numériques ont généré 87,5 millions de dollars de revenus pour 2023, avec:

Service numérique	Revenu	Base d'utilisateurs
Banque mobile	38,6 millions de dollars	1,2 million d'utilisateurs
Banque en ligne	29,7 millions de dollars	1,5 million d'utilisateurs
Solutions de paiement numérique	19,2 millions de dollars	750 000 utilisateurs

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.