F.N.B. Corporation posts record Q2 2025 earnings with $130.7M net income
F.N.B. Corporation has reported strong financial results for the second quarter of 2025. The company’s net income reached $130.7 million, with earnings per share at $0.36. Key improvements included higher revenue, lower delinquencies, and a record-breaking net interest income of $347.2 million.
The company’s pre-provision net revenue climbed 16% to $192 million. Net charge-offs for the quarter stood at 25 basis points, bringing the year-to-date total to 20 basis points. Delinquency rates also fell, ending at 62 basis points—a 13-basis-point drop from the previous quarter.
Nonperforming loans and other real estate owned (OREO) declined by 14 basis points, finishing at 34 basis points. The loan-to-deposit ratio settled at 91.9%, slightly lower than last quarter and down 450 basis points since June 2024. Meanwhile, the efficiency ratio remained strong at 54.8%, with expectations of positive operating leverage for the rest of the year. Noninterest income hit a record $91 million, boosted by capital markets and treasury management revenues. The company’s CET1 ratio neared 11%, while its tangible common equity ratio was 8.5%. Looking ahead, F.N.B. raised its full-year 2025 net interest income guidance to between $1.37 billion and $1.39 billion. For the third quarter, net interest income is projected in the upper half of the $345 million to $355 million range.
F.N.B. Corporation’s second-quarter results show growth in revenue, improved asset quality, and stronger capital ratios. The updated guidance suggests continued confidence in financial performance for the remainder of 2025. The company’s efficiency and earnings momentum remain key highlights.
