F.N.B. Corporation reported a 31.6% year-over-year increase in fourth-quarter 2025 net income, comfortably surpassing consensus analyst estimates. The bank attributed the jump to strong core operations and disciplined expense management. This performance marks the fifth consecutive quarter of double-digit earnings growth, reinforcing investor confidence in FNB’s ability to execute its strategic priorities.

Net interest income rose by 14% compared to Q4 2024, fueled by higher loan yields and an expanding deposit base. Management highlighted that interest-earning assets grew by $2.1 billion over the quarter, contributing directly to the uptick in NII. This increase offset modest pressure on deposit costs, resulting in a net interest margin expansion of 15 basis points to 3.45%.

Total loans grew by $1.8 billion, or 8%, year-over-year, driven by strong commercial real estate and middle-market lending activity. Deposits increased by $2.3 billion, reflecting a 7% rise, as the company continued to win market share in its core community banking footprint across Pennsylvania, Ohio and Florida. Non-interest-bearing deposits now represent 32% of total deposits, up from 29% in the prior year period.

Provision for credit losses declined by 45% year-over-year to $18 million, reflecting improved credit performance and a release of excess allowance. Net charge-offs remained modest at 0.18% of average loans, down from 0.24% in Q4 2024. The ratio of nonperforming loans to total loans fell to 0.65%, the lowest level in two years, underscoring the strength of FNB’s underwriting and risk-management practices.