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FNB CORP/PA/ Capital/Financing Update 2026

Apr 29, 2026

30946_prs_2026-04-29_0d22fd77-5ea2-4e50-85db-74d328a4a7a9.zip

Capital/Financing Update

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424B2 1 d108425d424b2.htm 424B2 424B2

PROSPECTUS SUPPLEMENT Filed Pursuant to Rule 424(b)(2)
(To Prospectus Dated August 30, 2024) Registration No. 333-281871 and 333-281871-01

FNB FINANCIAL SERVICES, LP

$500,000,000

SUBORDINATED TERM NOTES AND DAILY NOTES

Pursuant to the prospectus, FNB Financial Services, LP is offering up to Five Hundred Million Dollars ($500,000,000) aggregate principal amount of its nonnegotiable subordinated term, daily and special daily notes (the “New Notes”), which are fully and unconditionally guaranteed by F.N.B. Corporation, (the “Company”). Renewals of Notes issued by the Company prior to 2005 and still outstanding carry the same interest rates as their corollary New Notes.

The following annual interest rates are applicable to both New Notes

and Outstanding Notes effective April 29, 2026.

Subordinated Daily Notes 1.40 % 1.41 %
Subordinated Special Daily Notes 3.25 % 3.29 %
MINIMUM BALANCE $25,000.00
Subordinated JUMBO Daily Notes 3.80 % 3.85 %
MINIMUM BALANCE $100,000.00
Subordinated Term Notes
3 Month 3.20 % 3.24 %
6 Month 3.25 % 3.29 %
9 Month 3.30 % 3.34 %
12 Month SPECIAL 4.00 % 4.06 %
15 Month 3.50 % 3.55 %
18 Month SPECIAL 4.05 % 4.11 %
21 Month N/A N/A
24 Month 3.60 % 3.65 %
27 Month 3.70 % 3.75 %
30 Month 3.80 % 3.85 %
36 Month 3.80 % 3.85 %
48 Month 3.90 % 3.96 %
60 Month 4.00 % 4.06 %
84 Month 4.25 % 4.32 %
120 Month SPECIAL 5.25 % 5.35 %

This Prospectus Supplement is dated April 29, 2026.