F.N.B. Corporation (FNB) Q2 2026 Earnings Call July 17, 2026 8:30 AM EDT

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.

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