F.N.B. Corporação (FNB): Modelo de Negócios Canvas [Jan-2025 Atualizado]

No cenário dinâmico do Bancos Modernos, F.N.B. A Corporation (FNB) surge como uma potência estratégica, combinando perfeitamente os serviços financeiros tradicionais com a inovação digital de ponta. Ao criar meticulosamente uma tela abrangente do modelo de negócios, a FNB demonstra seu compromisso de fornecer experiências bancárias personalizadas e multicanais que atendem a diversos segmentos de clientes-de clientes individuais de varejo a entidades corporativas complexas. Sua abordagem única integra proezas tecnológicas, estratégias focadas na comunidade e soluções financeiras robustas, posicionando-as como um participante distinto no ecossistema bancário competitivo.

F.N.B. Corporação (FNB) - Modelo de Negócios: Principais Parcerias

Bancos regionais e instituições financeiras

F.N.B. A Corporation mantém parcerias estratégicas com várias instituições financeiras regionais:

Instituição parceira	Tipo de parceria	Detalhes da colaboração
Primeiro Banco Nacional da Pensilvânia	Serviços colaborativos	Expansão regional de rede
Corporação Financeira Truista	Bancos transfroversos	Infraestrutura digital compartilhada

Provedores de tecnologia

A plataforma bancária digital da FNB depende de parcerias de tecnologia estratégica:

• Fiserv, Inc. - Core Banking Technology Solutions
• Microsoft Azure - Infraestrutura de computação em nuvem
• Jack Henry & Associados - plataformas bancárias digitais

Parcerias da companhia de seguros

As colaborações de produtos financeiros integrados incluem:

Parceiro de seguro	Tipo de produto	Participação de receita
Seguro nacional	Seguro de propriedade e vítima	Taxa de comissão de 15%
Mutual de Omaha	Seguro de Vida e Saúde	Taxa de comissão de 12%

Parcerias de clientes comerciais

Os serviços de empréstimos comerciais da FNB envolvem parcerias com:

• Programas de empréstimos para Administração de Pequenas Empresas (SBA)
• Redes de Câmara de Comércio Locais
• Organizações regionais de desenvolvimento econômico

Valor da rede de parceria total: US $ 2,3 bilhões em serviços financeiros colaborativos

F.N.B. Corporação (FNB) - Modelo de negócios: Atividades -chave

Operações bancárias comerciais e de varejo

A partir de 2024, F.N.B. A Corporation opera 346 escritórios bancários de serviço completo em seis estados. Total de ativos relatados em US $ 44,3 bilhões, com US $ 33,2 bilhões em empréstimos totais e US $ 38,5 bilhões em depósitos totais.

Canal bancário	Volume total	Contagem anual de transações
Bancos bancários da filial	US $ 22,1 bilhões	4,2 milhões de transações
Banco digital	US $ 15,6 bilhões	7,8 milhões de transações

Desenvolvimento da plataforma bancária digital

F.N.B. A Corporation investiu US $ 87,4 milhões em infraestrutura de tecnologia digital em 2023.

• Usuários bancários móveis: 1,2 milhão
• Usuários bancários online: 2,1 milhões
• Taxa de crescimento da transação digital: 18,3%

Gestão de patrimônio e serviços de investimento

Total de ativos sob gestão: US $ 12,6 bilhões com 86.000 clientes de gerenciamento de patrimônio.

Produto de investimento	Total de ativos	Segmento de cliente
Contas de aposentadoria	US $ 5,4 bilhões	45.000 clientes
Portfólios de investimento	US $ 7,2 bilhões	41.000 clientes

Gerenciamento de riscos e monitoramento de conformidade

Alocação de orçamento de conformidade: US $ 42,6 milhões em 2023.

• Pessoal de conformidade regulatória: 214 funcionários
• Investimento em tecnologia de conformidade: US $ 18,3 milhões
• Cobertura anual de avaliação de risco: 100% das operações

Gerenciamento de relacionamento com o cliente

A infraestrutura de atendimento ao cliente abrange 346 filiais com 4.200 funcionários totais dedicados às interações do cliente.

Métrica de atendimento ao cliente	Desempenho
Taxa de satisfação do cliente	87.6%
Retenção média de clientes	7,4 anos

F.N.B. Corporação (FNB) - Modelo de negócios: Recursos -chave

Extensa rede de filiais

F.N.B. A Corporation opera 345 escritórios bancários em 7 estados a partir do quarto trimestre de 2023, especificamente na Pensilvânia, Ohio, Maryland, Virgínia Ocidental, Virgínia, Carolina do Norte e Carolina do Sul.

Estado	Número de ramificações
Pensilvânia	218
Ohio	57
Maryland	36
Outros estados	34

Infraestrutura de tecnologia bancária digital

Investimento em tecnologia: US $ 78,3 milhões alocados para infraestrutura de transformação e tecnologia digital em 2023.

• Plataforma bancária móvel com 1,2 milhão de usuários ativos
• Serviços bancários online que suportam 2,4 milhões de clientes
• Recursos de processamento de transações em tempo real

Recursos de capital humano

Força de trabalho total de 6.095 funcionários em 31 de dezembro de 2023.

Categoria de funcionários	Número
Funcionários em tempo integral	5,742
Funcionários de meio período	353

Ativos financeiros e reservas de capital

Métricas financeiras a partir do quarto trimestre 2023:

• Total de ativos: US $ 44,8 bilhões
• Equity do acionista: US $ 5,6 bilhões
• Tier 1 Capital Ratio: 12,3%

Sistemas de segurança cibernética

Investimento anual de segurança cibernética: US $ 22,5 milhões em 2023 para infraestrutura avançada de segurança.

• Monitoramento de segurança 24/7
• Sistemas de autenticação multifatores
• Protocolos de transações criptografadas

F.N.B. Corporação (FNB) - Modelo de Negócios: Proposições de Valor

Soluções bancárias abrangentes para diversos segmentos de clientes

A partir do quarto trimestre 2023, F.N.B. A Corporation atende aproximadamente 2,5 milhões de clientes em suas plataformas bancárias. O banco oferece soluções direcionadas em vários segmentos de clientes:

Segmento de clientes	Produtos bancários específicos	Penetração de mercado
Bancos pessoais	Contas de verificação/poupança	1,4 milhão de clientes
Pequenas empresas	Verificação de negócios, empréstimos	640.000 clientes comerciais
Banco corporativo	Linhas de crédito corporativas	98.000 contas corporativas

Experiências bancárias digitais e tradicionais integradas

Métricas bancárias digitais para FNB a partir de 2024:

• Usuários bancários móveis: 1,2 milhão
• Volume de transações online: 78 milhões de transações anuais
• Disponibilidade da plataforma digital: 99,97% de tempo de atividade

Serviços de Consultoria Financeira Personalizada

Redução de serviços de consultoria financeira:

Tipo de serviço de consultoria	Volume anual do cliente	Tamanho médio do portfólio
Gestão de patrimônio	45.000 clientes	Portfólio médio de US $ 2,3 milhões
Planejamento de aposentadoria	62.000 clientes	Fundo de Aposentadoria Média de US $ 850.000

Taxas de juros competitivas e produtos bancários com baixa taxa

Taxas de produtos bancários atuais:

• Juros de conta corrente: 0,15%
• Juros da conta poupança: 0,35%
• Taxas de CD: 1,25% - 3,40%
• Taxa média de manutenção mensal: US $ 5,99

Suporte financeiro local focado na comunidade

Estatísticas de investimento comunitário:

Categoria de investimento comunitário	Valor anual do investimento
Empréstimos para pequenas empresas	US $ 425 milhões
Subsídios de desenvolvimento comunitário	US $ 18,7 milhões
Programas de desenvolvimento econômico local	US $ 36,5 milhões

F.N.B. Corporação (FNB) - Modelo de Negócios: Relacionamentos do Cliente

Gerentes de relacionamento bancário pessoal

A partir de 2024, F.N.B. A Corporation mantém 452 gerentes de relacionamento bancários pessoais dedicados em sua rede regional. Esses gerentes atendem aproximadamente 127.800 clientes bancários de alta rede e negócios.

Segmento de clientes	Número de gerentes de relacionamento	Portfólio médio de clientes
Indivíduos de alta rede	178	285 clientes por gerente
Banking de negócios	274	342 clientes comerciais por gerente

Canais de suporte ao cliente digital 24/7

F.N.B. A Corporation fornece suporte digital abrangente com as seguintes métricas:

• Tempo médio de resposta de suporte digital: 8,2 minutos
• Interações anuais de suporte digital: 2,7 milhões
• Canais de suporte digital: bate -papo ao vivo, e -mail, telefone, mídia social

Canal de suporte	Volume mensal de interação	Taxa de satisfação do cliente
Bate -papo ao vivo	215,600	89.4%
Suporte telefônico	187,300	86.7%
Suporte por e -mail	92,400	84.3%

Plataformas bancárias móveis e online

Estatísticas da plataforma bancária digital para F.N.B. Corporação em 2024:

• Usuários bancários móveis: 1,42 milhão
• Usuários bancários online: 1,68 milhão
• Downloads de aplicativos móveis: 487.300
• Volume de transação digital: 42,6 milhões de transações mensais

Oficinas regulares de educação financeira

F.N.B. A Corporation realiza programas estruturados de educação financeira:

Categoria de oficina	Workshops anuais	Total de participantes
Finanças pessoais	276	18,400
Finanças de pequenas empresas	184	12,600
Planejamento de aposentadoria	142	9,700

Estratégias de comunicação personalizadas

Abordagem de comunicação personalizada com métricas direcionadas de engajamento:

• Campanhas de e -mail personalizadas: 1,3 milhão mensais
• Alcance de comunicação segmentada: 87,6% da base de clientes
• Taxa média de personalização da comunicação: 73,2%

F.N.B. Corporação (FNB) - Modelo de Negócios: Canais

Rede de ramificação física

F.N.B. A Corporation opera 339 agências bancárias totais em 6 estados a partir do quarto trimestre de 2023.

Estado	Número de ramificações
Pensilvânia	204
Ohio	62
Maryland	38
Carolina do Sul	35

Site bancário online

A FNB Digital Platform atende a aproximadamente 2,1 milhões de usuários bancários on -line ativos em 2023.

Aplicativo bancário móvel

Recursos de aplicativos bancários móveis:

• 1,6 milhão de usuários de bancos móveis ativos
• Mais de 75 recursos bancários digitais
• Capacidade de depósito de cheque móvel

Rede ATM

F.N.B. A Corporation mantém 489 caixas eletrônicos proprietários em suas regiões operacionais.

Tipo de localização do ATM	Número de caixas eletrônicos
Locais da filial	339
Locais independentes	150

Centros de atendimento ao cliente

A FNB opera 4 centros de atendimento ao cliente com 672 representantes totais de atendimento ao cliente.

• Tempo médio de resposta de chamada: 47 segundos
• Disponibilidade de suporte ao cliente 24/7
• Serviços de suporte multi-linguagem

F.N.B. Corporação (FNB) - Modelo de negócios: segmentos de clientes

Clientes bancários de varejo individuais

A partir do quarto trimestre de 2023, a FNB atende a aproximadamente 2,5 milhões de clientes bancários de varejo individuais em suas regiões operacionais.

Demografia demográfica do cliente	Número de clientes	Penetração de mercado
Contas de corrente pessoal	1,750,000	68% do total de clientes de varejo
Contas de poupança pessoal	1,450,000	56% do total de clientes de varejo

Pequenas e médias empresas

A FNB suporta 150.000 clientes corporativos pequenos e médios (PME) em seu portfólio.

• Tamanho médio de empréstimo comercial: US $ 275.000
• Portfólio total de empréstimos para PME: US $ 41,3 bilhões
• Clientes bancários de negócios em 12 mercados regionais

Clientes corporativos e comerciais

A FNB atende a 8.500 clientes corporativos e comerciais com soluções financeiras abrangentes.

Segmento de cliente	Total de clientes	Receita média anual
Empresas do mercado intermediário	6,200	US $ 50 milhões - US $ 500 milhões
Grandes clientes corporativos	2,300	Mais de US $ 500 milhões

Clientes de gerenciamento de patrimônio

A FNB gerencia US $ 24,6 bilhões em ativos de gerenciamento de patrimônio para 45.000 clientes de alta rede.

• Valor médio do portfólio de clientes: $ 547.000
• Produtos de investimento gerenciados: fundos mútuos, ETFs, contas de aposentadoria
• Saldo mínimo da conta: $ 250.000

Governo local e clientes institucionais

A FNB fornece serviços financeiros a 1.200 clientes locais e institucionais.

Segmento institucional	Número de clientes	Total de relacionamentos bancários
Governos municipais	850	US $ 6,7 bilhões em ativos totais
Instituições educacionais	220	US $ 1,9 bilhão em ativos totais
Organizações sem fins lucrativos	130	US $ 450 milhões em ativos totais

F.N.B. Corporação (FNB) - Modelo de negócios: estrutura de custos

Manutenção de infraestrutura de tecnologia

F.N.B. A Corporation investiu US $ 78,3 milhões em infraestrutura de tecnologia em 2023. A quebra dos custos relacionados à tecnologia inclui:

Categoria de custo de tecnologia	Despesas anuais
Manutenção de sistemas de TI	US $ 42,1 milhões
Investimentos de segurança cibernética	US $ 22,6 milhões
Atualizações da plataforma bancária digital	US $ 13,6 milhões

Salários e benefícios dos funcionários

Despesas totais relacionadas aos funcionários para F.N.B. Corporação em 2023:

Categoria de despesa	Quantia
Salários da base	US $ 456,7 milhões
Benefícios de saúde	US $ 89,3 milhões
Contribuições de aposentadoria	US $ 67,4 milhões
Bônus de desempenho	US $ 38,2 milhões

Despesas de operação de ramificação

• Custos operacionais de rede total de filiais: US $ 124,5 milhões
• Custo médio por filial: US $ 1,2 milhão
• Número de ramos físicos: 104

Custos de conformidade regulatória

Área de conformidade	Despesas anuais
Departamento Legal e de Conformidade	US $ 35,6 milhões
Relatórios regulatórios	US $ 12,3 milhões
Auditoria e gerenciamento de riscos	US $ 21,7 milhões

Despesas de marketing e aquisição de clientes

Alocação de orçamento de marketing para 2023:

Canal de marketing	Gasto
Marketing digital	US $ 18,4 milhões
Publicidade tradicional da mídia	US $ 11,7 milhões
Programas de aquisição de clientes	US $ 15,2 milhões

Estrutura de custo total para F.N.B. Corporação em 2023: US $ 845,6 milhões

F.N.B. Corporação (FNB) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e produtos de crédito

A partir do quarto trimestre 2023, F.N.B. A Corporation reportou receita de juros líquidos de US $ 783,4 milhões. A quebra da carteira de empréstimos inclui:

Categoria de empréstimo	Volume total	Rendimento de juros
Empréstimos comerciais	US $ 12,3 bilhões	6.45%
Empréstimos ao consumidor	US $ 8,7 bilhões	5.92%
Empréstimos hipotecários	US $ 6,5 bilhões	5.37%

Taxas bancárias e cobranças de serviço

F.N.B. A Corporation gerou US $ 298,6 milhões em taxas e taxas de serviço durante 2023, com a seguinte quebra:

• Taxas de manutenção de conta: US $ 87,2 milhões
• Taxas de cheque especial: US $ 65,4 milhões
• Taxas de transação ATM: US $ 42,1 milhões
• Taxas de transferência de fio: US $ 33,9 milhões
• Outras cobranças de serviço bancário: US $ 70,0 milhões

Serviços de investimento e gerenciamento de patrimônio

O segmento de gerenciamento de patrimônio gerou US $ 156,2 milhões em receita para 2023, com:

Categoria de serviço	Receita	Ativos sob gestão
Aviso financeiro	US $ 68,5 milhões	US $ 14,3 bilhões
Planejamento de aposentadoria	US $ 47,3 milhões	US $ 9,7 bilhões
Gerenciamento de investimentos	US $ 40,4 milhões	US $ 11,2 bilhões

Taxas de transação

A receita da taxa de transação totalizou US $ 124,7 milhões em 2023, incluindo:

• Taxas de transação do cartão de débito: US $ 62,3 milhões
• Taxas de transação do cartão de crédito: US $ 48,9 milhões
• Processamento de pagamento eletrônico: US $ 13,5 milhões

Receitas de serviço bancário digital

Os serviços bancários digitais geraram US $ 87,5 milhões em receita para 2023, com:

Serviço digital	Receita	Base de usuários
Mobile Banking	US $ 38,6 milhões	1,2 milhão de usuários
Bancos online	US $ 29,7 milhões	1,5 milhão de usuários
Soluções de pagamento digital	US $ 19,2 milhões	750.000 usuários

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.