FNB (FNB) risk factors

Item 1A of every FNB Corp. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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FY2025 10-K risk factors
33 risks2 new4 dropped10 reworded
FNB Corp added risks regarding global tariffs and widespread AI adoption in operations and credit decisioning. The bank removed ESG, overdraft scrutiny, and recent bank failure fallout risks, while updating figures on FDIC special assessments.
Filed Feb 24, 2026
FY2024 10-K risk factors
35 risks
FNB faces heightened risks from commercial and consumer loan performance, interest rate volatility impacting securities and margins, and increasing regulatory scrutiny over bank failures, overdraft programs, and fair lending.
Filed Feb 27, 2025