Basic
InformationFNB Corporation is a dynamic, diversified financial services organization with a core subsidiary, First National Bank of Pennsylvania. As a commercial bank, it is not a state-owned or joint venture, but a market-oriented, customer-centric and deeply engaged in the regional financial market in the United States. Founded in 1864, F.N.B. Corporation has a long history and has grown into a robust regional financial giant after a century and a half. Headquartered in Pittsburgh, Pennsylvania, this city known for its industry and innovation has infused FNB with a resilient and forward-thinking DNA. FNB Corporation's shares are listed on the New York Stock Exchange under the symbol "FNB" and are included in the S&P MidCap 400 Index, demonstrating its solid position in the capital markets. The shareholder structure is dominated by institutional investors and public shareholders, and it is a typical listed private bank.
the scope of service
FNB has a presence in major metropolitan areas in the United States, including Pittsburgh, Pennsylvania, Baltimore, Maryland, Cleveland, Ohio, Charlotte, Raleigh, and Durham in North Carolina, and Charleston, South Carolina, with a focus on the East Coast and Central United States. As of 2024, FNB has approximately 350 offline outlets in seven states and Washington, D.C., with convenience and community embedding at the core to meet local needs. In addition, FNB operates more than 1,600 ATMs throughout its service area, ensuring that customers can enjoy convenient cash services anytime, anywhere. This regional strategy has given FNB a top three share of the retail deposit market, particularly in Pittsburgh.
regulatory and compliance
As a U.S. bank, FNB is heavily supervised by multiple regulators, including the Federal Reserve, the Pennsylvania Department of Banking and Securities, the Office of the Comptroller of the Currency (OCC), and the Consumer Financial Protection Bureau (CFPB). These agencies ensure that FNBs meet high standards in terms of capital adequacy, risk management, and consumer protection. FNB's deposit products are insured by the FDIC, and customer deposits are insured up to $250,000 to ensure the safety of funds. Recent compliance records show that FNB has performed well in regulatory inspections, with no major breaches, and has been recognized by regulators for its robust operational and risk management capabilities, enhancing customer trust.
financial health
FNB's solid financial performance demonstrates the resilience of regional banks. As of December 2024, total assets are close to $49 billion, demonstrating its strong competitiveness in the regional market. In terms of capital adequacy ratios, FNBs remain within the comfort zone of regulatory requirements, typically above 12%, reflecting their resilience to risks. The non-performing loan ratio is controlled at a low level of about 1%-2%, which is better than the industry average, indicating its prudent credit management strategy. The liquidity coverage ratio is also in line with regulatory standards, ensuring that banks are able to respond flexibly to market volatility. Together, these indicators paint an image of a financially healthy and risk-controlled bank, suitable for customers who are looking for stability.
deposit and loan products
FNB's deposit products are diverse to meet the needs of different customers. Savings accounts offer flexible access to funds, with interest rates typically ranging from 0.01%-0.05%, making them suitable for everyday use. Term deposits (CDs) offer higher yields with maturities ranging from 3 months to 5 years and interest rates up to 0.5%-2.5%, depending on market conditions. High-yield savings accounts and money market accounts offer options for customers looking for higher returns, with some products yielding upwards of 3% per annum. In terms of loans, FNB provides mortgages, car loans and personal lines of credit, with mortgage interest rates ranging from 3.5% to 6% depending on market fluctuations, car loan interest rates ranging from about 4% to 7%, and personal lines of credit ranging from 6% to 12% due to credit score differences. FNB's loan products are known for their flexible repayment, such as mortgages that support prepayment without penalty, and some loans allow adjustment of repayment terms to reduce customer stress.
a list of common expenses
FNB's fee structure is clear, but attention to detail is required to avoid "hidden" costs. Account management fees vary by account type, but may be subject to a monthly administration fee of $5-$15 for a basic current account, but can be waived by maintaining a minimum balance (e.g., $1,000) or a fixed deposit. Domestic transfers are usually free, and cross-border transfers can cost around $25-$45, depending on the amount and destination. ATM interbank withdrawals cost about $2-3 per time, and FNB's own ATMs are free. The overdraft fee is about $35 per visit, and customers are advised to enable overdraft protection to reduce costs. Potential "hidden fees" include a minimum insufficient balance penalty (approximately $10 per visit), so clients are advised to read the account terms carefully.
digital service experience
FNB's digital services are a highlight, with a well-received mobile banking app and online banking platform, with ratings of around 4.5 out of 5 stars on the App Store and Google Play. The app supports facial recognition login, real-time transfers, bill management, and investment tool integration, and is smooth and user-friendly. FNB has also launched the eStore® Common app, which allows customers to apply for multiple financial products at once, greatly improving convenience. In terms of technological innovation, FNB offers AI-powered customer service chatbots that are responsive and can handle complex queries. In addition, FNB supports open banking APIs, making it easier for third-party fintechs to integrate services and provide customers with a more personalized financial experience.
quality of customer service
FNB is committed to providing round-the-clock support, and customers can contact the bank via a 24/7 phone hotline (1-800-555-5455), live chat, or social media. Phone support is available Monday to Friday from 8:00-21:00 and weekends from 8:00-17:00, and the live chat response time is usually within 1 minute. Social media (e.g. X platform) are responsive, with an average response within 1 hour. The complaint handling efficiency is high, the average resolution time is about 3-5 working days, and the user satisfaction is among the best in the industry. FNB offers multilingual support, including English, Spanish, and more, making it suitable for cross-border customers or multicultural communities.
security measures
The security of funds is a core commitment of FNB, and all deposit accounts are protected by FDIC insurance up to $250,000. FNB uses real-time transaction monitoring and multi-factor authentication to prevent fraud. In addition, FNB is ISO 27001 certified for information security, and its data protection measures meet international standards. In recent years, no major data breaches have been reported, demonstrating its investment and effectiveness in cyber security. Customers can manage card security in real-time with features like CardGuard, such as instantly freezing a lost debit card.
featured services and differentiations
FNB excels in the segment, with student accounts waiving monthly fees and offering low-barrier loans, making it suitable for younger customers. Exclusive wealth management products for the elderly include high-yield savings and low-risk investment portfolios to meet stable needs. In terms of green finance, FNB has launched a fund that supports ESG (Environmental, Social, Governance) investments to attract sustainability-focused clients. Private banking services are aimed at high-net-worth clients, providing customized wealth management solutions with a minimum investment threshold of approximately US$1 million. FNB also demonstrates social responsibility through community engagement projects, such as supporting local arts and environmental initiatives.
market position and accolades
FNB ranks among the top regional banks in the global bank asset rankings, and the domestic asset size is firmly in the middle echelon of mid-sized banks. With total assets of nearly $49 billion as of 2024, it is highly competitive among regional banks in the United States. FNB has won numerous awards, including 13 national and regional awards at the 2023 Greenwich Excellence Awards, recognising excellence in SME banking and customer satisfaction. In addition, FNB has been named a "Best Place to Work" by media outlets such as Pittsburgh Post-Gazette, and has been named a "Best Place to Work for Veterans" by Newsweek, demonstrating its leadership in corporate culture and customer service.
