F.N.B. Corporation (FNB) is a public company. F.N.B. Corporation (NYSE: FNB) is a diversified financial services company headquartered in Pittsburgh, PA. Along with our largest subsidiary, First National Bank, we provide a full range of relationship-based commercial banking, consumer banking, wealth management and insurance solutions. Our customer-first approach is delivered through hundreds of branch offices throughout Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Virginia and the District of Columbia.

Known for a commitment to doing what’s right for our customers, communities and employees, FNB’s award-winning workplace culture has been recognized by prominent organizations such as Newsweek, TIME, Energage and Forbes. Our more than 100 national and regional awards as a top workplace add to an extensive list of honors we have received for our financial performance, strong leadership, customer-centric innovation and premium service.

Visit fnb-online.com/careers to explore career opportunities and join our Talent Network to stay connected to current openings that may be a match for your interests. F.N.B. Corporation provides equal employment opportunity to qualified persons regardless of race, color, sex, national origin, age, sexual orientation, gender identity, disability, veteran status, or other category protected by law. Founded in 1864. It has 7,978 employees. Annual revenue is $880.7M. IPO 1986.

Transcript

Operator

Welcome to the F.N.B. Corporation second quarter 2026 earnings call. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key, then zero on your telephone keypad. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star then one on your telephone keypad. To withdraw the question, please press star then two. Please note this event is being recorded. I would now like to turn the conference over to Lisa Hajdu, Manager of Investor Relations. Please go ahead.

Lisa Hajdu — Manager of Investor Relations

Good morning. Welcome to our earnings call. This conference call of F.N.B. Corporation and the reports it files with the Securities and Exchange Commission often contain forward-looking statements and non-GAAP financial measures. Non-GAAP financial measures should be viewed in addition to, and not as alternative