F.N.B. Corporation (FNB) Q2 2026 Earnings Call Transcript

F.N.B. Corporation (FNB) Q2 2026 Earnings Call July 17, 2026 8:30 AM EDTCompany ParticipantsLisa Hajdu - Manager of Investor RelationsVincent J.

Company Participants Lisa Hajdu - Manager of Investor Relations Vincent J. Delie - Chairman, President & CEO Gary L. Guerrieri - Chief Credit Officer Vincent J. Calabrese - Chief Financial Officer Alfred Cho - Chief Consumer Banking Officer Frank Schiraldi Conference Call Participants Daniel Tamayo - Raymond James & Associates, Inc., Research Division David Smith - Truist Securities, Inc., Research Division Casey Haire Russell Gunther Manuel Navas - Piper Sandler & Co., Research Division Brian Martin - Brean Capital, LLC, Research Division Kelly Motta - Keefe, Bruyette, & Woods, Inc., Research Division Presentation Operator Good morning, and welcome to the F.N.B. Corporation Second Quarter 2026 Earnings Call.

[Operator Instructions] 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, and 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 an alternative for our reported results prepared in accordance with GAAP.

Reconciliations of GAAP to non-GAAP operating measures to the most directly comparable GAAP financial measures are included in our presentation materials and in our earnings release. Please refer to these non-GAAP and forward-looking statement disclosures contained in our related materials, reports and registration statements filed with the Securities and Exchange Commission and available on our corporate website. A replay of this call will be available until Friday, July 24, and the webcast link will be posted to the About Us, Investor Relations section of our corporate website.

I will now turn the call over to Vince Delie, Chairman, President and CEO.