FNB Corporation delivered a solid QQ1 2025 with a resilient revenue base, modest NII growth, and stable asset quality amid a macro environment characterized by tariff uncertainty and rate volatility. Net interest income reached approximately $324 million, supported by a stable net interest margin of 3.03% and an improving earning asset mix, while non-interest income totaled $87.8 million, aided by strategic investments in capital markets capabilities and wealth management. The quarter featured meaningful capital deployment through share repurchases and a robust capital base (CET1 at 10.7% and TCE at 8.4%), underpinning a tangible book value per share of $10.83, up 12.3% year over year. Management reaffirmed guidance for 2025, signaling mid-single-digit loan and deposit growth and a full-year net interest income target of $1.345–$1.385 billion, with a mid-to-lower double-digit contribution expected from fee-based businesses later in the year as markets normalize and capital markets activity improves. Strategic initiatives include expanding capital markets advisory through the Raptor Partners acquisition, strengthening the digital onboarding platform (AI-enabled), and the roll-out of direct deposit switch and bill-pay enhancements to deepen client primacy and drive funding costs lower. The management tone remains constructive on earnings trajectory in 2H 2025, supported by cost discipline and continued balance sheet optimization.