F.N.B. Corporation reported strong financial performance for the third quarter of 2025, with earnings per diluted common share of $0.41. The company highlighted an 8.5% compound annual growth rate in organic assets and a 10.4% compound annual growth rate in total operating revenue from 2009 to 2024. Other key metrics included an 11.1% growth in tangible book value per share, a 25.9% non-interest bearing deposit to total deposit ratio, and a 3.25% net interest margin. The loan-to-deposit ratio stood at 90.9%, with a total deposit growth of 4.5% and total loan growth of 3.7% compared to September 30, 2024. FNB emphasized its comprehensive approach to credit risk management, maintaining consistent underwriting guidelines and a diversified portfolio. You can access the full presentation through the link below.