[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  LongYield [@LongYield](/creator/twitter/LongYield) on x 4483 followers Created: 2025-07-20 16:51:37 UTC $FNB F.N.B. Corporation Earnings Call Key Highlights: (2/2) 📉 Asset Quality and Risk Management Total delinquency improved to XX basis points, down XX bps QoQ, while NPLs and OREO fell to XX basis points. Net charge-offs were XX bps for the quarter and XX bps YTD; criticized loans declined XXX% sequentially, led by a XX% drop in classified loans. Funded provision expense of $XXXX million supported portfolio growth and risk mitigation; funded reserve increased to $XXX million, or XXXX% of loans. NPL coverage ratio rose sharply to 393%, reflecting improved reserve adequacy and conservative CRE exposure management. 🏗️ CRE and C&I Lending Trends Nonowner CRE delinquency and NPLs improved significantly to XX and XX bps, respectively, down from XX and XX bps last quarter. Nonowner CRE exposure declined $XXX million QoQ and $XXX million YTD, now standing at XXX% of capital. Commercial and industrial loan originations were strong, but overall growth was tempered by lower line utilization. Management expects stronger C&I growth in H2 2025, supported by a XX% increase in the 90-day short-term commercial loan pipeline. 📈 Guidance for 2025 Raised full-year net interest income guidance to $1.37–$1.39 billion, assuming two XX bp Fed cuts in September and December. Third-quarter NII projected in the upper half of $345–$355 million; full-year noninterest income now expected between $355–$365 million. Revised full-year noninterest expense guidance to $975–$985 million, reflecting the expanded down payment assistance program and production-related compensation. Full-year provision expense expected between $85–$100 million; effective tax rate guided at 21–22% excluding investment tax credits. 📦 Capital Allocation and Shareholder Returns Capital management strategy supports flexibility, with CET1 targeted above XX% as an operating floor, enabling internal funding of growth. Share repurchase activity continued in Q2 with further deployment expected due to perceived share undervaluation. Potential dividend increase under consideration, though primary capital deployment focus remains loan and deposit growth. Tangible common equity to assets and tangible book value growth reflect prudent balance sheet management and disciplined shareholder return framework. 📍 De Novo Branch Expansion and Geographic Strategy F.N.B. has opened or plans to open XX branches in high-growth markets such as Charleston, Richmond, Northern Virginia, and Washington D.C. De novo expansion strategy is delivering results, with breakeven typically achieved in X years and full returns in X years. Organic deposit growth in key markets—17% in the Carolinas and X% in Pittsburgh YoY—demonstrates effectiveness of local market strategy. Branch-led customer acquisition, supported by integrated digital origination tools and strong cultural alignment, is key to continued geographic expansion success. 🔮 Strategic Outlook and Long-Term Vision Long-term goal is to drive sustainable shareholder value through organic growth, digital enablement, capital efficiency, and disciplined risk management. Continued investment in treasury management, payments modernization, AI-powered customer engagement, and digital transformation remains a strategic focus. F.N.B. sees limited need for M&A, with strong internal capabilities, geographic positioning, and proven X% long-term organic growth in loans and deposits. Management reiterated confidence in achieving consistent operating leverage, competitive returns, and scalable growth with minimal capital dilution. XXX engagements  **Related Topics** [oreo](/topic/oreo) [asset allocation](/topic/asset-allocation) [quarterly earnings](/topic/quarterly-earnings) [$fnb](/topic/$fnb) [Post Link](https://x.com/LongYield/status/1946976298225574268)
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LongYield @LongYield on x 4483 followers
Created: 2025-07-20 16:51:37 UTC
$FNB F.N.B. Corporation Earnings Call Key Highlights: (2/2)
📉 Asset Quality and Risk Management
Total delinquency improved to XX basis points, down XX bps QoQ, while NPLs and OREO fell to XX basis points.
Net charge-offs were XX bps for the quarter and XX bps YTD; criticized loans declined XXX% sequentially, led by a XX% drop in classified loans.
Funded provision expense of $XXXX million supported portfolio growth and risk mitigation; funded reserve increased to $XXX million, or XXXX% of loans.
NPL coverage ratio rose sharply to 393%, reflecting improved reserve adequacy and conservative CRE exposure management.
🏗️ CRE and C&I Lending Trends
Nonowner CRE delinquency and NPLs improved significantly to XX and XX bps, respectively, down from XX and XX bps last quarter.
Nonowner CRE exposure declined $XXX million QoQ and $XXX million YTD, now standing at XXX% of capital.
Commercial and industrial loan originations were strong, but overall growth was tempered by lower line utilization.
Management expects stronger C&I growth in H2 2025, supported by a XX% increase in the 90-day short-term commercial loan pipeline.
📈 Guidance for 2025
Raised full-year net interest income guidance to $1.37–$1.39 billion, assuming two XX bp Fed cuts in September and December.
Third-quarter NII projected in the upper half of $345–$355 million; full-year noninterest income now expected between $355–$365 million.
Revised full-year noninterest expense guidance to $975–$985 million, reflecting the expanded down payment assistance program and production-related compensation.
Full-year provision expense expected between $85–$100 million; effective tax rate guided at 21–22% excluding investment tax credits.
📦 Capital Allocation and Shareholder Returns
Capital management strategy supports flexibility, with CET1 targeted above XX% as an operating floor, enabling internal funding of growth.
Share repurchase activity continued in Q2 with further deployment expected due to perceived share undervaluation.
Potential dividend increase under consideration, though primary capital deployment focus remains loan and deposit growth.
Tangible common equity to assets and tangible book value growth reflect prudent balance sheet management and disciplined shareholder return framework.
📍 De Novo Branch Expansion and Geographic Strategy
F.N.B. has opened or plans to open XX branches in high-growth markets such as Charleston, Richmond, Northern Virginia, and Washington D.C.
De novo expansion strategy is delivering results, with breakeven typically achieved in X years and full returns in X years.
Organic deposit growth in key markets—17% in the Carolinas and X% in Pittsburgh YoY—demonstrates effectiveness of local market strategy.
Branch-led customer acquisition, supported by integrated digital origination tools and strong cultural alignment, is key to continued geographic expansion success.
🔮 Strategic Outlook and Long-Term Vision
Long-term goal is to drive sustainable shareholder value through organic growth, digital enablement, capital efficiency, and disciplined risk management.
Continued investment in treasury management, payments modernization, AI-powered customer engagement, and digital transformation remains a strategic focus.
F.N.B. sees limited need for M&A, with strong internal capabilities, geographic positioning, and proven X% long-term organic growth in loans and deposits.
Management reiterated confidence in achieving consistent operating leverage, competitive returns, and scalable growth with minimal capital dilution.
XXX engagements
Related Topics oreo asset allocation quarterly earnings $fnb