FNB Corporation is a Pittsburgh-based regional bank holding company founded in 1864. Through its primary subsidiary, First National Bank of Pennsylvania, FNB offers commercial and consumer banking across seven states and Washington D.C., operating 355 branches in markets including Pittsburgh, Baltimore, Cleveland, Washington D.C., Charlotte, Raleigh, and Charleston. FNB's core business is traditional community and middle-market banking — lending to small businesses and middle-market companies while gathering deposits from those same relationships. The bank focuses on C&I lending, owner-occupied and non-owner commercial real estate, residential mortgages, and consumer lending, deliberately avoiding riskier lending verticals. FNB operates three segments: Community Banking (the large majority of revenue), Wealth Management (trust and fiduciary services with ~$14.9B in assets under administration), and Insurance (commercial and personal lines brokerage). FNB earns roughly 80% of revenue from net interest income and the remainder from fee income, including capital markets, mortgage banking, treasury management, and wealth fees. FNB sells through its branch network and a proprietary digital platform called eStore, an omnichannel application that allows customers to open accounts and apply for loans digitally or in-branch. FNB's growth strategy centers on de novo branching in the Carolinas and Mid-Atlantic, expanding fee income lines organically, and deploying AI for cross-sell and efficiency. Management prioritizes organic growth, followed by share buybacks, dividends, and — well behind the others — M&A.