Net Interest Margin Falls to 3.25%, Credit Loss Provision at $18.5 Million
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Apr 16 2026
0mins
Should l Buy FNB?
Net interest margin equaled 3.25%, a decrease of 3 basis points from the fourth quarter of 2025, reflecting an 8 basis point decline in the total cost of funds offset by an 11 basis point decline in the total yield on earning assets which were impacted by the Federal Open Market Committee lowering the target federal funds rate in December 2025. Provision for credit losses was $18.5 million, a decrease of $0.4 million from the prior quarter, with net charge-offs of $15.9 million, or 0.18% annualized of total average loans, compared to $16.4 million, or 0.19% annualized, in the prior quarter.
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Analyst Views on FNB
Wall Street analysts forecast FNB stock price to rise
6 Analyst Rating
6 Buy
0 Hold
0 Sell
Strong Buy
Current: 17.740
Low
18.00
Averages
19.00
High
20.00
Current: 17.740
Low
18.00
Averages
19.00
High
20.00
About FNB
F.N.B. Corporation is a bank holding company and financial holding company. The Company operates through three segments: Community Banking, Wealth Management, and Insurance. The Community Banking segment consists of First National Bank of Pennsylvania (FNBPA), which offers commercial and consumer banking services. Its commercial banking solutions include corporate banking, small business banking, investment real estate financing, business credit, capital markets and lease financing. The Wealth Management segment delivers wealth management services to individuals, corporations and retirement funds, as well as existing customers of the Community Banking segment, located primarily within its geographic markets. Its Wealth Management operations are conducted through three subsidiaries of FNBPA. The Insurance segment operates principally through First National Insurance Agency, LLC (FNIA), which is a subsidiary of the Company. FNIA is a full-service insurance brokerage agency.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Community Engagement: Lotz looks forward to actively participating in community activities in the Pittsburgh area, demonstrating FNB's commitment to social responsibility while also helping him and his family integrate into the local community.
See More
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- Executive Appointment: FNB has appointed Nick Lotz as Chief Commercial Banking Officer, enhancing its leadership team in Pittsburgh, with Lotz tasked to strengthen relationships with corporate, institutional, and public sector clients, reflecting FNB's commitment to attracting top talent.
- Strategic Role: The newly created Chief Commercial Banking Officer position will oversee the execution of strategies across the Commercial Banking division, Treasury Management, Asset-Based Lending, and Equipment Finance, aimed at boosting FNB's competitiveness and profitability across its multi-state footprint.
- Industry Experience: Lotz brings over 20 years of corporate banking experience, having previously served as Head of Corporate Banking at Flagstar Bank and Santander Bank, and his extensive background is expected to enhance FNB's market insights and client service capabilities.
- Community Engagement: Lotz looks forward to actively participating in community initiatives in the Pittsburgh area, further strengthening FNB's local influence and demonstrating its commitment to social responsibility as an elite banking institution.
See More
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- Increased Shareholder Returns: The company announced an 8% increase in its quarterly cash dividend to $0.13 per share and plans to repurchase an additional $250 million in common stock, reflecting a total of $2.4 billion returned to shareholders since 2009, thereby enhancing investor confidence.
- Strategic Partnership: F.N.B. has been selected as the official retail bank for Pennsylvania State University, expected to provide exclusive banking services to 90,000 students and staff, further solidifying its market position in the education sector.
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See More
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See More
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- Strong Financial Performance: Both earnings and revenue have shown double-digit growth compared to last year, reflecting the company's resilience in the economic environment and effective cost control strategies, which may attract more investor interest.
- Optimistic Future Outlook: With the continued growth in revenue and earnings, F.N.B. Corporation is poised to demonstrate strong performance in future financial reports, enhancing market confidence and potentially driving stock price increases.
See More
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See More
