F.N.B. Corporation Posts Record Net Interest Income in Q3 2026
FNB reports strong third-quarter earnings driven by margin expansion and annualized loan and deposit growth of 8.5% and 8.9%.
F.N.B. Corporation (NYSE: FNB) reported record net interest income for the third quarter of 2026, the Pittsburgh-based regional bank announced Monday, citing expansion in its net interest margin alongside solid growth across its lending and deposit portfolios.
Loans grew at an annualized rate of 8.5% during the quarter, while deposits climbed at an annualized pace of 8.9%, reflecting sustained demand from both consumer and commercial customers despite a challenging macroeconomic backdrop for regional lenders broadly.
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The margin expansion, reported on a non-GAAP basis, signals that FNB was able to reprice assets at higher yields while managing funding costs — a balance that many mid-sized banks have struggled to achieve as the interest rate cycle has matured. Record net interest income represents a meaningful milestone for the company's core revenue engine.
FNB's results arrive as regional banks across the country continue navigating pressure from elevated funding costs, credit quality concerns, and competition for deposits. The company's ability to grow both sides of its balance sheet simultaneously positions it as a relative outperformer among peers in the current environment, though full earnings details including net income figures were not disclosed in the initial release summary.
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