# F.N.B. Corporation competitors: and the alternatives

Source: https://www.bankingnewsai.com/banks/fnb/competitors
Last updated: Oct 19, 2026

*Part of the [F.N.B. Corporation AI strategy profile](https://www.bankingnewsai.com/banks/fnb). Peer group: Fulton Financial Corporation, First Horizon, SouthState Bank, Pinnacle Financial Partners, Atlantic Union Bankshares, WesBanco, United Bankshares, First Commonwealth Financial Corporation, Valley National Bancorp.*

## Who are F.N.B. Corporation's competitors, and what are the alternatives?

F.N.B. Corporation's 2025 10-K, filed February 24, 2026, says it competes with 'a large number of bank and non-bank financial institutions', naming financial technology companies and marketplace lenders for loans, fintechs, mutual funds and brokerage firms for deposits, and brokerage firms, mutual fund complexes and trust providers in wealth management; its risk factors add that many larger competitors have greater resources to invest in technology. FNB operates 355 branches in seven states and Washington, D.C. In its home market the rival is PNC, which held 50.62% of Pittsburgh deposits at June 30, 2025 against FNB's 5.46%, fourth behind PNC and two banks that book large deposits at one or two offices; Citizens (4.61%), Huntington and KeyBank follow. In Cleveland KeyBank leads with 45.23% and FNB holds 0.68%. In its growth markets FNB is a mid-sized challenger: seventh in Baltimore (3.07%) behind Bank of America and M&T, and ninth in Charlotte and Raleigh, where Bank of America, Truist and First Citizens lead. FNB plans almost 30 new branches in the Carolinas, Maryland, Virginia and D.C., and its CEO named JPMorgan Chase, PNC, Fifth Third and Huntington among the banks crowding the same Southeast markets. The non-bank rivals are the marketplace lenders its 10-K names, such as Upstart and LendingClub (now Happen Bank), branchless banks such as Chime, and brokerages such as Charles Schwab, where FNB offers brokerage only through a third-party networking arrangement. ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Pittsburgh,%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Cleveland,%20OH&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson,%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Charlotte-Concord-Gastonia,%20NC-SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Raleigh-Cary,%20NC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [American Banker](https://www.americanbanker.com/news/fnb-corp-is-the-latest-bank-to-plot-growth-in-the-southeast), [Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [Upstart Holdings via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1647639/000164763926000027/upst-20251231.htm), [Happen, Inc. via PR Newswire](https://www.prnewswire.com/news-releases/lendingclub-officially-becomes-happen-bank-marking-a-new-chapter-for-the-digital-first-bank-302804847.html), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm))

## What does FNB say about its competition?

"We operate in seven states and the District of Columbia. Our market coverage spans several major metropolitan areas, including: Pittsburgh, Pennsylvania; Baltimore, Maryland; Cleveland, Ohio; Washington, D.C.; Charlotte, Raleigh, Durham and the Piedmont Triad (Winston-Salem, Greensboro and High Point) in North Carolina; and Charleston, South Carolina." ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm))

"We compete for loans, deposits and financial services business with a large number of bank and non-bank financial institutions and other lenders engaged in the business of extending credit, including financial technology companies and marketplace lenders. Competition for loans comes principally from commercial banks, savings banks, mortgage banking companies, credit unions, insurance companies and other financial services companies. The most direct competition for deposits comes from commercial banks, savings banks and credit unions. Competition for deposits also comes from non-depository competitors such as financial technology companies, mutual funds, securities and brokerage firms, government financial investments and insurance companies. In providing wealth and asset management services, as well as insurance brokerage services, our subsidiaries compete with many other financial services firms, brokerage firms, mutual fund complexes, investment management firms, trust and fiduciary service providers and insurance agencies. Competition for loans and deposits depends on a number of factors, including, among others, customer service, quality, convenience and range of products and services offered, price, reputation, interest rates on loans and deposits and lending limits." ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm))

"The ability to deploy and use technology effectively is an important competitive factor in the financial services industry. Technology is not only important with respect to the delivery of financial services, risk management, regulatory compliance and security of customer information, but also in processing information. FNB and each of our subsidiaries continually make technological investments to remain competitive in the financial services industry, including the use of AI." ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm))

From the risk factors of the same 10-K: "Many of our larger competitors have greater resources to invest in technological improvements, and we may not effectively implement new technology-driven products and services or do so as quickly as our competitors." (2025 Form 10-K, filed February 24, 2026.) ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm))

## Who competes with FNB in each of its businesses?

| Business line | Competitor | Type | Why it competes |
| --- | --- | --- | --- |
| Home region: Pittsburgh, western Pennsylvania and Ohio | [PNC Financial Services](https://www.bankingnewsai.com/banks/pnc) | Bank | Pittsburgh's dominant bank: 50.62% of the metro's deposits through 91 offices at June 30, 2025, against FNB's 5.46% through 81. FNB's CEO also names PNC among the banks opening branches in its Southeast markets, and FNB hired its director of data science from PNC. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Pittsburgh,%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918)) |
| Home region: Pittsburgh, western Pennsylvania and Ohio | [Citizens Financial Group](https://www.bankingnewsai.com/banks/citizens) | Bank | Fifth in Pittsburgh deposits with 4.61% through 67 offices, just behind FNB, and fourth in Cleveland with 6.00% (June 30, 2025). ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Pittsburgh,%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Cleveland,%20OH&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Pittsburgh, western Pennsylvania and Ohio | [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | Bank | A member of FNB's 2025 proxy peer group that holds 12.39% of Cleveland deposits and 2.26% of Pittsburgh's (June 2025); FNB's CEO names it among the banks expanding in the Southeast, where it announced 55 Carolinas locations. ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000119312526122941/d79810ddef14a.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Cleveland,%20OH&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Pittsburgh,%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [American Banker](https://www.americanbanker.com/news/fnb-corp-is-the-latest-bank-to-plot-growth-in-the-southeast)) |
| Home region: Pittsburgh, western Pennsylvania and Ohio | [KeyCorp (KeyBank)](https://www.bankingnewsai.com/banks/keybank) | Bank | Leads Cleveland, one of the metros FNB's 10-K names, with 45.23% of deposits through 60 offices, against FNB's 0.68% through 15; it also holds 2.07% of Pittsburgh deposits (June 2025). ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Cleveland,%20OH&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Pittsburgh,%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Pittsburgh, western Pennsylvania and Ohio | [First Commonwealth Financial](https://www.bankingnewsai.com/banks/first-commonwealth) | Bank | A western Pennsylvania bank with 50 Pittsburgh-area offices and 1.90% of the metro's deposits at June 30, 2025, ninth in the market. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Pittsburgh,%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Pittsburgh, western Pennsylvania and Ohio | Dollar Bank | Bank | A Pittsburgh savings bank, the kind of competitor FNB's 10-K names for deposits, holding 3.29% of the metro's deposits through 47 offices and 1.82% of Cleveland's (June 2025). ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Pittsburgh,%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Cleveland,%20OH&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Home region: Pittsburgh, western Pennsylvania and Ohio | [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | Bank | A Wheeling, West Virginia bank with 28 Pittsburgh-area offices and 0.87% of the metro's deposits at June 30, 2025, twelfth in the market. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Pittsburgh,%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Branch banking in the Mid-Atlantic and Carolinas | [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Bank | First in Baltimore deposits with 27.58% and first in Charlotte with 67.20% at June 30, 2025, where FNB holds 3.07% and 0.36%. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson,%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Charlotte-Concord-Gastonia,%20NC-SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Branch banking in the Mid-Atlantic and Carolinas | [M&T Bank](https://www.bankingnewsai.com/banks/mt-bank) | Bank | Second in Baltimore with 21.86% of deposits and the most offices in the metro (90) at June 30, 2025; FNB is seventh with 24 offices. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson,%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Branch banking in the Mid-Atlantic and Carolinas | [Truist Financial](https://www.bankingnewsai.com/banks/truist) | Bank | Holds 18.83% of Charlotte deposits through 66 offices, 9.74% of Baltimore's and 7.26% of Raleigh's (June 2025); American Banker listed its 100-branch plan, mostly in the Southeast, beside FNB's. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Charlotte-Concord-Gastonia,%20NC-SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson,%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Raleigh-Cary,%20NC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [American Banker](https://www.americanbanker.com/news/fnb-corp-is-the-latest-bank-to-plot-growth-in-the-southeast)) |
| Branch banking in the Mid-Atlantic and Carolinas | [First Citizens BancShares](https://www.bankingnewsai.com/banks/first-citizens) | Bank | Raleigh's home bank with 62.59% of the metro's deposits through 26 offices at June 30, 2025, against FNB's 1.05% through 13, ninth. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Raleigh-Cary,%20NC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Branch banking in the Mid-Atlantic and Carolinas | [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | Bank | Named by FNB's CEO among the banks opening branches in the Southeast; it held 1.19% of Charlotte deposits through 45 offices and 4.32% of Cleveland's (June 2025). ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [American Banker](https://www.americanbanker.com/news/fnb-corp-is-the-latest-bank-to-plot-growth-in-the-southeast), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Charlotte-Concord-Gastonia,%20NC-SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Cleveland,%20OH&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Branch banking in the Mid-Atlantic and Carolinas | [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Bank | Named by FNB's CEO among the banks crowding its Southeast growth markets; it held 0.24% of Charlotte deposits through 22 offices at June 30, 2025. ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Charlotte-Concord-Gastonia,%20NC-SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Branch banking in the Mid-Atlantic and Carolinas | [Chime](https://www.bankingnewsai.com/fintech/chime) | Fintech | FNB's 10-K names financial technology companies among non-depository competitors for deposits; Chime, a branchless banking app, had 10.4 million active members at June 30, 2026. ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results)) |
| Branch banking in the Mid-Atlantic and Carolinas | Credit unions | Credit union | FNB's 10-K names credit unions with commercial and savings banks as 'the most direct competition for deposits', and among its competitors for loans. ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm)) |
| Commercial, middle-market and treasury banking | [Atlantic Union Bankshares](https://www.bankingnewsai.com/banks/atlantic-union) | Bank | A Richmond bank that held 2.14% of Baltimore deposits through 11 offices (June 2025), in the Maryland and Virginia markets where FNB is adding branches; its wholesale banking head plans AI relationship-insight tools for treasury bankers. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson,%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [American Banker](https://www.americanbanker.com/news/fnb-corp-is-the-latest-bank-to-plot-growth-in-the-southeast), [Atlantic Union Bankshares (SEC filings)](https://www.sec.gov/Archives/edgar/data/883948/000088394825000114/aub-20251210xex99d1.htm)) |
| Commercial, middle-market and treasury banking | [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | Bank | A member of FNB's proxy peer group that held 1.42% of Raleigh deposits through 11 offices, ahead of FNB's 1.05% (June 2025). ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000119312526122941/d79810ddef14a.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Raleigh-Cary,%20NC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Commercial, middle-market and treasury banking | [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | Bank | A proxy peer with 19 offices and 0.53% of Charlotte deposits, ahead of FNB's 0.36% (June 2025), in the Carolinas markets FNB's branch plan targets. ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000119312526122941/d79810ddef14a.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Charlotte-Concord-Gastonia,%20NC-SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [American Banker](https://www.americanbanker.com/news/fnb-corp-is-the-latest-bank-to-plot-growth-in-the-southeast)) |
| Commercial, middle-market and treasury banking | [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | Bank | A proxy peer, now combined with Synovus, with 11 Charlotte offices and 0.42% of the metro's deposits (June 2025); its strategy is to hire 225 to 250 revenue-producing bankers in 2026. ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000119312526122941/d79810ddef14a.htm), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Charlotte-Concord-Gastonia,%20NC-SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [American Banker](https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working)) |
| Consumer lending: marketplace and fintech lenders | [Upstart](https://www.bankingnewsai.com/fintech/upstart) | Fintech | A marketplace lender of the kind FNB's 10-K names as a loan competitor; Upstart says 91% of its loans were fully automated in 2025, and the OCC conditionally approved Upstart Bank in July 2026. ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm), [Upstart Holdings via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1647639/000164763926000027/upst-20251231.htm), [Upstart](https://ir.upstart.com/news-releases/news-release-details/upstart-receives-conditional-approval-occ-establish-upstart-bank)) |
| Consumer lending: marketplace and fintech lenders | [LendingClub (Happen Bank)](https://www.bankingnewsai.com/fintech/lendingclub) | Fintech | The former marketplace lender, renamed Happen Bank in June 2026, originated $3.1 billion of loans in Q2 2026; FNB's 10-K names marketplace lenders among its loan competitors. ([Happen, Inc. via PR Newswire](https://www.prnewswire.com/news-releases/lendingclub-officially-becomes-happen-bank-marking-a-new-chapter-for-the-digital-first-bank-302804847.html), [Happen, Inc. via PR Newswire](https://www.prnewswire.com/news-releases/happen-inc-reports-second-quarter-2026-results-302835538.html), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm)) |
| Small business banking | [Bluevine (Valley National)](https://www.bankingnewsai.com/fintech/bluevine) | Fintech | A small-business banking platform with about 175,000 active customers, which Valley, an FNB proxy peer, agreed to buy for about $340 million in September 2026; FNB's 10-K names fintechs as competitors for loans and deposits. ([Bluevine](https://www.bluevine.com/newsroom/valley-national-bancorp-bluevine-reach-acquisition-agreement), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000119312526122941/d79810ddef14a.htm), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm)) |
| Small business banking | [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Payments company | Block's 10-K lists banks that provide payment processing, checking, savings, loans and payroll among Square's competitors, the business products FNB sells through the Common app's business platform. ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [PR Newswire](https://prnewswire.com/news-releases/fnb-adds-business-platform-to-estore-common-application-302513464.html)) |
| Wealth management, trust and brokerage | [Charles Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | Broker or asset manager | A brokerage firm of the kind FNB's 10-K names in wealth management; FNB administers about $14.9 billion of trust assets and offers brokerage only through a networking arrangement with a third-party broker-dealer. ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm)) |
| Wealth management, trust and brokerage | Mutual fund complexes and trust companies | Broker or asset manager | FNB's 10-K names mutual fund complexes, investment management firms and trust and fiduciary service providers as competitors for its wealth and asset management business. ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm)) |

## How do the AI and digital offerings of FNB's competitors compare?

FNB first, then each competitor. Use-case counts, index scores and latest moves are computed from our profiles of each company; "No profile" means this site has no page on it yet.

| Company | AI or digital offering | On the record (our profiles) | Latest dated AI move |
| --- | --- | --- | --- |
| [F.N.B. Corporation (this page)](https://www.bankingnewsai.com/banks/fnb) | eStore, the Common app and FNB's data hub ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [F.N.B. Corporation](https://www.fnb-online.com/about-us/newsroom/press-releases/2025/fnb-hires-ai-and-data-science-directors-250918), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1)) | [Index 60.2 (#47); 15 use cases, 9 in production](https://www.bankingnewsai.com/banks/fnb) | 16th for customer reputation (Aug 17, 2026) ([American Banker](https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers)) |
| [PNC Financial Services](https://www.bankingnewsai.com/banks/pnc) | Own data centres, Nvidia chips and in-house language models; about 115 AI agents built its new mobile app ([American Banker](https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory), [Banking Dive](https://www.bankingdive.com/news/pnc-new-mobile-banking-app-personalization-agentic-ai/824713/)) | [Index 68.2 (#38); 14 use cases, 8 in production](https://www.bankingnewsai.com/banks/pnc) | Head of ATM Banking hired with an AI mandate (Sep 25, 2026) ([Columbus Business First (bizjournals.com)](https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson)) |
| [Citizens Financial Group](https://www.bankingnewsai.com/banks/citizens) | CiZi in-app assistant, credited with a 44% cut in mobile-banking call volume ([American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking)) | [Index 85.3 (#11); 20 use cases, 10 in production](https://www.bankingnewsai.com/banks/citizens) | Q4 2026 Business Pulse: small-business AI spending rising (Sep 29, 2026) ([Citizens (Business Wire via Yahoo Finance)](https://finance.yahoo.com/small-business/articles/citizens-q4-2026-business-pulse-110000359.html)) |
| [Huntington Bancshares](https://www.bankingnewsai.com/banks/huntington) | 50 AI agents in production and more than 60 in development (April 2026) ([Fortune](https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/)) | [Index 84.2 (#13); 17 use cases, 15 in production](https://www.bankingnewsai.com/banks/huntington) | Named a Coverbase enterprise customer (Sep 29, 2026) ([Coverbase (GlobeNewswire)](https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html)) |
| [KeyCorp (KeyBank)](https://www.bankingnewsai.com/banks/keybank) | Conversational AI in the contact centre: about $0.25 per AI-handled call against about $9 for a human ([PYMNTS](https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/)) | [Index 80 (#21); 16 use cases, 10 in production](https://www.bankingnewsai.com/banks/keybank) | Gessner ranked No. 3 in American Banker's Most Powerful Women in Banking NEXT (Oct 1, 2026) ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-3-emily-gessner-keybank)) |
| [First Commonwealth Financial](https://www.bankingnewsai.com/banks/first-commonwealth) | Not disclosed | [Index 25.9 (#94); 8 use cases, 7 in production](https://www.bankingnewsai.com/banks/first-commonwealth) | Q2 2026 10-Q: no AI language (Aug 10, 2026) ([First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000022/fcf-20260331.htm), [First Commonwealth Financial Corporation (SEC filing)](https://www.sec.gov/Archives/edgar/data/712537/000071253726000030/fcf-20260630.htm)) |
| Dollar Bank | Not disclosed | No profile | Not disclosed |
| [WesBanco](https://www.bankingnewsai.com/banks/wesbanco) | About 80% of retail customers on digital channels; 7.7 million logins a month ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm)) | [Index 26.9 (#92); 12 use cases, 9 in production](https://www.bankingnewsai.com/banks/wesbanco) | Q3 2026 investor presentation repeats the AI initiatives (Aug 27, 2026) ([WesBanco (SEC filings)](https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm)) |
| [Bank of America](https://www.bankingnewsai.com/banks/bank-of-america) | Erica virtual assistant: more than 24.6 million clients helped ([Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) | [Index 97.3 (#1); 18 use cases, 16 in production](https://www.bankingnewsai.com/banks/bank-of-america) | Treasury, FinCEN and OCC impose $1.21 billion in AML and sanctions penalties (Oct 13, 2026) ([U.S. Department of the Treasury](https://home.treasury.gov/news/press-releases/sb0657), [Office of the Comptroller of the Currency](https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html), [Banking Dive](https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915)) |
| [M&T Bank](https://www.bankingnewsai.com/banks/mt-bank) | Microsoft Copilot used by 16,000 of 22,000 employees ([American Banker](https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai)) | [Index 75.5 (#28); 14 use cases, 10 in production](https://www.bankingnewsai.com/banks/mt-bank) | Rajwani on AI agents and deposit runs (Oct 1, 2026) ([American Banker](https://americanbanker.com/news/ai-agent-bank-runs-possible-but-unlikely-experts-say)) |
| [Truist Financial](https://www.bankingnewsai.com/banks/truist) | Truist Assist chatbot resolved 81% of inquiries in Q3 2025; Truist Insights ([Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm), [Truist via FT Markets](https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1)) | [Index 82.6 (#16); 15 use cases, 13 in production](https://www.bankingnewsai.com/banks/truist) | Mid-table on AI-judged reputation (Sep 18, 2026) ([American Banker](https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh)) |
| [First Citizens BancShares](https://www.bankingnewsai.com/banks/first-citizens) | An enterprise AI program being built, not bought ([First Citizens Bank](https://newsroom.firstcitizens.com/image/First-Citizens-Bank-Frontier-AI-Fact-Sheet.pdf), [First Citizens Bank](https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/about-us/corporate-profile.pdf), [First Citizens Bank](https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-Bank)) | [Index 67.7 (#39); 14 use cases, 12 in production](https://www.bankingnewsai.com/banks/first-citizens) | First Citizens Innovation Banking launched; SVB name retired (Oct 6, 2026) ([First Citizens Bank](https://newsroom.firstcitizens.com/2026-10-06-First-Citizens-Bank-Launches-New-Innovation-Banking-Brand)) |
| [Fifth Third Bancorp](https://www.bankingnewsai.com/banks/fifth-third) | Jeanie virtual assistant, bilingual in English and Spanish (September 2026) ([Investing.com](https://investing.com/news/transcripts/fifth-third-at-barclays-conference-comerica-deal-lifts-growth-plans-93CH-4901613)) | [Index 84 (#14); 13 use cases, 10 in production](https://www.bankingnewsai.com/banks/fifth-third) | AI chief Jay Budzik describes the lending-model upgrade (Oct 12, 2026) ([Northwestern McCormick School of Engineering](https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html)) |
| [JPMorgan Chase](https://www.bankingnewsai.com/banks/jpmorgan-chase) | LLM Suite for 150,000 weekly staff users ([JPMorganChase](https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf)) | [Index 89 (#6); 15 use cases, 8 in production](https://www.bankingnewsai.com/banks/jpmorgan-chase) | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026) ([CNBC](https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html), [Banking Dive](https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870), [American Banker](https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents)) |
| [Chime](https://www.bankingnewsai.com/fintech/chime) | Jade, an in-app AI financial partner available to some members ([Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) | [8 use cases, 6 in production](https://www.bankingnewsai.com/fintech/chime) | Agreement to acquire Stride Bank (Sep 8, 2026) ([Chime](https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank)) |
| Credit unions | Not disclosed | No profile | Not disclosed |
| [Atlantic Union Bankshares](https://www.bankingnewsai.com/banks/atlantic-union) | AI call screening planned to cover all calls, against about 10% reviewed manually ([American Banker](https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking)) | [Index 53.7 (#52); 12 use cases, 5 in production](https://www.bankingnewsai.com/banks/atlantic-union) | Second-quarter 10-Q repeats the AI risk language (Aug 6, 2026) ([SEC (EDGAR)](https://www.sec.gov/Archives/edgar/data/883948/000088394826000073/aub-20260630x10q.htm)) |
| [First Horizon](https://www.bankingnewsai.com/banks/first-horizon) | ChatFHN internal assistant; Databricks Enterprise Data Hub ([American Banker](https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking), [Databricks](https://answers.databricks.com/blueprint-breakthrough-activating-banking-analytics-ai-agentic-use-cases-zA4cdc9C6oQ)) | [Index 68.7 (#36); 16 use cases, 7 in production](https://www.bankingnewsai.com/banks/first-horizon) | AI file-organisation tool saves hundreds of hours in three months (Oct 1, 2026) ([American Banker](https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-19-lena-mccloskey-first-horizon-corporation)) |
| [SouthState Bank](https://www.bankingnewsai.com/banks/southstate) | About 90% of credit spreads performed by AI (June 2026) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm)) | [Index 70.9 (#33); 20 use cases, 10 in production](https://www.bankingnewsai.com/banks/southstate) | Q3 2026 results scheduled (Oct 2, 2026) ([SouthState Bank Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/764038/000119312526411326/ssb-20261002.htm)) |
| [Pinnacle Financial Partners](https://www.bankingnewsai.com/banks/pinnacle) | ChatPFP internal assistant: 18,000 banker questions answered ([The Motley Fool (earnings call transcript)](https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript)) | [Index 65.3 (#42); 12 use cases, 9 in production](https://www.bankingnewsai.com/banks/pinnacle) | Chief digital officer: 200,000-plus customers move to a new app in March 2027 (Oct 1, 2026) ([American Banker](https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners)) |
| [Upstart](https://www.bankingnewsai.com/fintech/upstart) | AI underwriting models using more than 2,500 variables ([Upstart Holdings via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1647639/000164763926000027/upst-20251231.htm)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/upstart) | Q2 2026: originations up 50%, back to GAAP profit (Aug 4, 2026) ([Upstart](https://ir.upstart.com/news-releases/news-release-details/upstart-announces-second-quarter-2026-results)) |
| [LendingClub (Happen Bank)](https://www.bankingnewsai.com/fintech/lendingclub) | More than 90% of issued loans automated (2026) ([Happen, Inc. via PR Newswire](https://www.prnewswire.com/news-releases/happen-inc-reports-second-quarter-2026-results-302835538.html)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/lendingclub) | Q2 2026: Penny AI agent and servicing tools reported (Jul 27, 2026) ([Happen, Inc. via PR Newswire](https://www.prnewswire.com/news-releases/happen-inc-reports-second-quarter-2026-results-302835538.html), [PYMNTS](https://www.pymnts.com/news/banking/2026/happens-digital-banking-push-helps-deposits-jump-18/)) |
| [Bluevine (Valley National)](https://www.bankingnewsai.com/fintech/bluevine) | 90%+ of new code AI-generated; about 80% of inbound inquiries AI-contained ([Valley National Bancorp](https://www.valley.com/content/dam/valley/pdfs/bluevine/Accelerating%20Valleys%20National%20Digital%20Banking%20Franchise.pdf)) | [7 use cases, 5 in production](https://www.bankingnewsai.com/fintech/bluevine) | Lean Team Economy Report (Oct 7, 2026) ([Bluevine via PR Newswire](https://www.prnewswire.com/news-releases/bluevine-study-finds-more-than-half-of-smbs-use-ai-to-handle-workload-of-at-least-one-employee-302900406.html)) |
| [Square (Block)](https://www.bankingnewsai.com/fintech/block) | Managerbot, an AI business agent for Square sellers ([Square](https://squareup.com/us/en/press/managerbot-open-beta)) | [7 use cases, 6 in production](https://www.bankingnewsai.com/fintech/block) | Q2 2026: Moneybot passes 1 million weekly engaged accounts (Aug 5, 2026) ([Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm)) |
| [Charles Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | AI tools for all 33,000 employees; an AI Service Assistant transcribing about 60,000 live interactions a day ([The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/schwab-schw-q1-2026-earnings-145425271.html)) | [Index 80.7 (#19); 19 use cases, 15 in production](https://www.bankingnewsai.com/banks/charles-schwab) | How Charley was built: employee testing, confirmation before any change (Oct 8, 2026) ([Traders Magazine](https://www.tradersmagazine.com/featured_articles/charles-schwabs-amy-ruegg-ai-can-make-investing-easier-but-human-expertise-remains-key/)) |
| Mutual fund complexes and trust companies | Not disclosed | No profile | Not disclosed |

## Who should look beyond FNB, and where?

| If you are | Look at | Why |
| --- | --- | --- |
| Customers who want branches outside the Mid-Atlantic, Ohio and the Carolinas | [PNC, JPMorgan Chase or Bank of America](https://www.bankingnewsai.com/banks/pnc) | FNB's 355 branches are in seven states and Washington, D.C. Chase reported 5,083 branches in 2025 and Bank of America runs 3,500 financial centers; PNC runs 2,226 offices outside the Pittsburgh metro alone (FDIC, June 2025). ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm), [JPMorgan Chase & Co. (SEC filings)](https://www.sec.gov/Archives/edgar/data/19617/000162828026008131/jpm-20251231.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Pittsburgh,%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Customers who want an in-app AI assistant today | [Citizens (CiZi), Truist (Truist Assist) or Bank of America (Erica)](https://www.bankingnewsai.com/banks/citizens) | FNB's AI customer support portal is a roadmap item and Insight 360 is due by the end of 2026. CiZi cut Citizens' mobile-banking call volume by 44%, Truist Assist resolved 81% of inquiries in Q3 2025, and Erica has helped more than 24.6 million clients. ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm), [Yahoo Finance](https://finance.yahoo.com/markets/stocks/articles/f-n-b-q2-earnings-150341871.html), [American Banker](https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking), [Truist Financial (SEC filing)](https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm), [Bank of America Newsroom](https://newsroom.bankofamerica.com/content/newsroom/company-overview/bank-of-america-fast-facts.html)) |
| Small businesses that want app-only banking | [Bluevine](https://www.bankingnewsai.com/fintech/bluevine) | FNB pairs its business Common app with branches and interactive teller machines. Bluevine serves about 175,000 active small-business customers digitally and, under Valley's agreed purchase, says about 80% of inbound inquiries are contained by AI. ([PR Newswire](https://prnewswire.com/news-releases/fnb-adds-business-platform-to-estore-common-application-302513464.html), [Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/), [Bluevine](https://www.bluevine.com/newsroom/valley-national-bancorp-bluevine-reach-acquisition-agreement), [Valley National Bancorp](https://www.valley.com/content/dam/valley/pdfs/bluevine/Accelerating%20Valleys%20National%20Digital%20Banking%20Franchise.pdf)) |
| Borrowers who want a fully automated personal loan | [Upstart or Happen Bank (formerly LendingClub)](https://www.bankingnewsai.com/fintech/upstart) | Upstart says 91% of its loans were fully automated in 2025, and Happen Bank reports more than 90% of issued loans automated; FNB offers consumer loans through its branches and the Common app. ([Upstart Holdings via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1647639/000164763926000027/upst-20251231.htm), [Happen, Inc. via PR Newswire](https://www.prnewswire.com/news-releases/happen-inc-reports-second-quarter-2026-results-302835538.html), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm), [PR Newswire via FT Markets](https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1)) |
| Investors who want a large self-directed brokerage | [Charles Schwab](https://www.bankingnewsai.com/banks/charles-schwab) | FNB offers investment products through a networking arrangement with a third-party broker-dealer. Schwab equips all 33,000 employees with AI tools and reported 11.9 million daily average trades in Q2 2026. ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/schwab-schw-q1-2026-earnings-145425271.html), [Business Wire via FT Markets](https://markets.ft.com/data/announce/full?dockey=600-202607210730BIZWIRE_USPRX____20260721_BW955369-1)) |
| Customers who want a branchless checking account | [Chime](https://www.bankingnewsai.com/fintech/chime) | FNB is adding almost 30 branches. Chime avoids branches, had 10.4 million active members at June 30, 2026, and offers some members Jade, an in-app AI financial partner. ([American Banker](https://www.americanbanker.com/news/fnb-corp-is-the-latest-bank-to-plot-growth-in-the-southeast), [Chime via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results), [Chime](https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341)) |

## Where does FNB rank by deposits in its largest markets?

FDIC Summary of Deposits, June 30, 2025, by metropolitan area. In Pittsburgh, BNY Mellon (one office) and TriState Capital (two offices) book very large deposits, which inflates their shares.

| Metro | FNB share (offices) | FNB rank | Leaders |
| --- | --- | --- | --- |
| Pittsburgh, PA | 5.46% (81) | 4th | PNC 50.62%; BNY Mellon 11.69% (1 office); TriState Capital 9.14% (2 offices); Citizens 4.61%; Dollar Bank 3.29% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Pittsburgh,%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Baltimore-Columbia-Towson, MD | 3.07% (24) | 7th | Bank of America 27.58%; M&T 21.86%; PNC 9.84%; Truist 9.74%; Wells Fargo 7.53% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson,%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Raleigh-Cary, NC | 1.05% (13) | 9th | First Citizens 62.59%; Wells Fargo 8.40%; Truist 7.26%; Bank of America 4.16%; PNC 3.70% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Raleigh-Cary,%20NC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Cleveland, OH | 0.68% (15) | 14th | KeyBank 45.23%; Huntington 12.39%; PNC 8.43%; Citizens 6.00%; Third Federal 5.41% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Cleveland,%20OH&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |
| Charlotte-Concord-Gastonia, NC-SC | 0.36% (16) | 9th | Bank of America 67.20%; Truist 18.83%; Wells Fargo 7.32%; Fifth Third 1.19%; First Citizens 0.94% ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Charlotte-Concord-Gastonia,%20NC-SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=)) |

## Which banks are adding branches in the Southeast alongside FNB?

Branch plans on the record, as reported by American Banker and Banking Dive.

| Bank | Plan | Reported |
| --- | --- | --- |
| FNB | Almost 30 new branches over five years in North and South Carolina, Maryland, Virginia and D.C., focused on Charleston, Greenville, Charlotte and Richmond; about 380 branches in total | September 2025; April 2026 ([American Banker](https://www.americanbanker.com/news/fnb-corp-is-the-latest-bank-to-plot-growth-in-the-southeast), [Banking Dive](https://bankingdive.com/news/fnb-dives-deeper-southeast-north-south-carolina-mid-atlantic-maryland-virginia/759146), [Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/)) |
| Huntington | 55 locations in the Carolinas | April 2025 ([American Banker](https://www.americanbanker.com/news/fnb-corp-is-the-latest-bank-to-plot-growth-in-the-southeast), [Banking Dive](https://bankingdive.com/news/fnb-dives-deeper-southeast-north-south-carolina-mid-atlantic-maryland-virginia/759146)) |
| Truist | 100 new branches, mostly in the Southeast | August 2025 ([American Banker](https://www.americanbanker.com/news/fnb-corp-is-the-latest-bank-to-plot-growth-in-the-southeast)) |
| Fifth Third | 31 new branches in the Southeast in 2024; some 200 locations in the region | 2024; September 2025 ([American Banker](https://www.americanbanker.com/news/fnb-corp-is-the-latest-bank-to-plot-growth-in-the-southeast), [Banking Dive](https://bankingdive.com/news/fnb-dives-deeper-southeast-north-south-carolina-mid-atlantic-maryland-virginia/759146)) |
| JPMorgan Chase and PNC | Named by FNB's CEO among banks opening locations throughout the Southeast | April 2026 ([Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/)) |

## Common questions

### Who are FNB's biggest competitors?

In Pittsburgh, PNC, which holds 50.62% of deposits to FNB's 5.46%, then Citizens, Huntington and KeyBank; in Cleveland, KeyBank and Huntington; in Baltimore, Bank of America and M&T; in the Carolinas, Bank of America, Truist and First Citizens (FDIC, June 2025). FNB's 10-K adds credit unions, fintechs, marketplace lenders and brokerage firms. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Pittsburgh,%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Cleveland,%20OH&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson,%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Charlotte-Concord-Gastonia,%20NC-SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Raleigh-Cary,%20NC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm))

### Is PNC FNB's main competitor in Pittsburgh?

By deposits, yes. PNC held 50.62% of Pittsburgh-area deposits through 91 offices at June 30, 2025; FNB was fourth with 5.46% through 81 offices, behind two banks that book large deposits at one or two offices. FNB's CEO also lists PNC among the banks expanding in its Southeast markets. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Pittsburgh,%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/))

### Where is FNB strongest against its competitors?

In Pittsburgh, where it is fourth with 5.46% of deposits, and in Baltimore, where it is seventh with 3.07% through 24 offices. It is ninth in Raleigh (1.05%) and Charlotte (0.36%) and 14th in Cleveland (0.68%), per FDIC data for June 30, 2025. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Pittsburgh,%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson,%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Raleigh-Cary,%20NC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Charlotte-Concord-Gastonia,%20NC-SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Cleveland,%20OH&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=))

### Which banks compete with FNB in the Carolinas?

Bank of America, Truist and First Citizens lead deposits in Charlotte and Raleigh, and SouthState, Pinnacle and First Horizon are mid-sized rivals there. Huntington announced 55 Carolinas locations and Truist 100 branches mostly in the Southeast, while FNB plans almost 30 branches in the region over five years. ([FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Charlotte-Concord-Gastonia,%20NC-SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [FDIC BankFind Suite](https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Raleigh-Cary,%20NC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=), [American Banker](https://www.americanbanker.com/news/fnb-corp-is-the-latest-bank-to-plot-growth-in-the-southeast))

### Are fintechs competitors of FNB?

FNB's 10-K says so: it competes for loans with financial technology companies and marketplace lenders, and for deposits with fintechs, mutual funds and brokerage firms. Examples on the record include Upstart, with 91% of loans fully automated in 2025, Happen Bank (formerly LendingClub) and Chime. ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm), [Upstart Holdings via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1647639/000164763926000027/upst-20251231.htm), [Happen, Inc. via PR Newswire](https://www.prnewswire.com/news-releases/lendingclub-officially-becomes-happen-bank-marking-a-new-chapter-for-the-digital-first-bank-302804847.html), [Chime](https://investors.chime.com/news-releases/news-release-details/chime-reports-second-quarter-2026-financial-results))

### What are alternatives to FNB for small business?

Bluevine serves about 175,000 small businesses through an app and is being bought by Valley; Square sells payments and banking products to sellers. FNB's own offer combines the business Common app, where most applications take about seven minutes, with branches and interactive teller machines. ([Bluevine](https://www.bluevine.com/newsroom/valley-national-bancorp-bluevine-reach-acquisition-agreement), [Block, Inc. via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/1512673/000162828026012254/xyz-20251231.htm), [PR Newswire](https://prnewswire.com/news-releases/fnb-adds-business-platform-to-estore-common-application-302513464.html), [Banking Dive](https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/))

### Who competes with FNB in wealth management?

FNB's 10-K names brokerage firms, mutual fund complexes, investment management firms and trust and fiduciary providers. FNB administers about $14.9 billion of trust assets and offers brokerage through a third-party networking arrangement; Charles Schwab equips all 33,000 employees with AI tools. ([F.N.B. Corporation (SEC filings)](https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm), [The Motley Fool (Yahoo Finance)](https://finance.yahoo.com/markets/stocks/articles/schwab-schw-q1-2026-earnings-145425271.html))

## Peers on this site

- [Fulton Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/fulton) · [vs peers](https://www.bankingnewsai.com/banks/fulton/vs-peers)
- [First Horizon AI strategy](https://www.bankingnewsai.com/banks/first-horizon) · [vs peers](https://www.bankingnewsai.com/banks/first-horizon/vs-peers)
- [SouthState Bank AI strategy](https://www.bankingnewsai.com/banks/southstate) · [vs peers](https://www.bankingnewsai.com/banks/southstate/vs-peers)
- [Pinnacle Financial Partners AI strategy](https://www.bankingnewsai.com/banks/pinnacle) · [vs peers](https://www.bankingnewsai.com/banks/pinnacle/vs-peers)
- [Atlantic Union Bankshares AI strategy](https://www.bankingnewsai.com/banks/atlantic-union) · [vs peers](https://www.bankingnewsai.com/banks/atlantic-union/vs-peers)
- [WesBanco AI strategy](https://www.bankingnewsai.com/banks/wesbanco) · [vs peers](https://www.bankingnewsai.com/banks/wesbanco/vs-peers)
- [United Bankshares AI strategy](https://www.bankingnewsai.com/banks/united-bankshares) · [vs peers](https://www.bankingnewsai.com/banks/united-bankshares/vs-peers)
- [First Commonwealth Financial Corporation AI strategy](https://www.bankingnewsai.com/banks/first-commonwealth) · [vs peers](https://www.bankingnewsai.com/banks/first-commonwealth/vs-peers)
- [Valley National Bancorp AI strategy](https://www.bankingnewsai.com/banks/valley) · [vs peers](https://www.bankingnewsai.com/banks/valley/vs-peers)

## Sources

1. F.N.B. Corporation Annual Report on Form 10-K for the fiscal year ended December 31, 2025 — F.N.B. Corporation (SEC filings), Feb 24, 2026. https://www.sec.gov/Archives/edgar/data/37808/000003780826000007/fnb-20251231.htm
2. Summary of Deposits, Deposit Market Share Report: Pittsburgh, PA MSA, June 30, 2025 (retrieved 2026-10-19) — FDIC BankFind Suite, Oct 19, 2026. https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Pittsburgh,%20PA&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=
3. Summary of Deposits, Deposit Market Share Report: Cleveland, OH MSA, June 30, 2025 (retrieved 2026-10-19) — FDIC BankFind Suite, Oct 19, 2026. https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Cleveland,%20OH&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=
4. Summary of Deposits, Deposit Market Share Report: Baltimore-Columbia-Towson, MD MSA, June 30, 2025 (retrieved 2026-10-19) — FDIC BankFind Suite, Oct 19, 2026. https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Baltimore-Columbia-Towson,%20MD&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=
5. Summary of Deposits, Deposit Market Share Report: Charlotte-Concord-Gastonia, NC-SC MSA, June 30, 2025 (retrieved 2026-10-19) — FDIC BankFind Suite, Oct 19, 2026. https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Charlotte-Concord-Gastonia,%20NC-SC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=
6. Summary of Deposits, Deposit Market Share Report: Raleigh-Cary, NC MSA, June 30, 2025 (retrieved 2026-10-19) — FDIC BankFind Suite, Oct 19, 2026. https://banks.data.fdic.gov/bankfind-suite/SOD/marketShare?displayResults=&instType=&institutionType=banks&institutionTypeTimeSeries=&lastYear=2025&locations=msa&msa=Raleigh-Cary,%20NC&pageNumber=1&reportType=depositMarketShare&resultLimit=25&searchPush=true&sortField=STNAME&sortOrder=ASC&totalsType=
7. FNB Corp. is the latest bank to plot growth in the Southeast — American Banker, Sep 2, 2025. https://www.americanbanker.com/news/fnb-corp-is-the-latest-bank-to-plot-growth-in-the-southeast
8. FNB CEO bets on smaller-bank innovation — Banking Dive, Apr 3, 2026. https://www.bankingdive.com/news/fnb-first-national-bank-ai-data-estore-branches-ceo-delie/816568/
9. Upstart Holdings Annual Report (Form 10-K) for the year ended December 31, 2025 — Upstart Holdings via SEC EDGAR, Feb 10, 2026. https://www.sec.gov/Archives/edgar/data/1647639/000164763926000027/upst-20251231.htm
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16. Pinnacle points to new hires as proof that merger is working — American Banker, Apr 23, 2026. https://www.americanbanker.com/news/pinnacle-points-to-new-hires-as-proof-that-merger-is-working
17. Upstart Receives Conditional Approval from the OCC to Establish Upstart Bank — Upstart, Jul 23, 2026. https://ir.upstart.com/news-releases/news-release-details/upstart-receives-conditional-approval-occ-establish-upstart-bank
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19. Valley National Bancorp to Acquire Bluevine Inc., Accelerating its Digital Small Business Growth Strategy and Meaningfully Enhancing its Core Funding Capabilities — Bluevine, Sep 28, 2026. https://www.bluevine.com/newsroom/valley-national-bancorp-bluevine-reach-acquisition-agreement
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22. F.N.B. Corporation Further Expands eStore Common Application Capabilities with Introduction of Business Loan Products — PR Newswire via FT Markets, Mar 10, 2026. https://markets-data-api-proxy.ft.com/data/announce/full?dockey=600-202603101047PR_NEWS_USPRX____NE06645-1
23. Top Banks by Reputation 2026: Customers — American Banker, Aug 17, 2026. https://www.americanbanker.com/news/top-banks-by-reputation-2026-customers
24. Why PNC is building its own 'AI factory' — American Banker, Jun 11, 2026. https://www.americanbanker.com/news/why-pnc-is-building-its-own-ai-factory
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26. Mark Williamson hired as Head of ATM Banking — Columbus Business First (bizjournals.com), Sep 25, 2026. https://www.bizjournals.com/columbus/potmsearch/detail/submission/6578669/Mark_Williamson
27. Citizens Financial's Michael Ruttledge is #43 on the Most Innovative People in Finance ranking — American Banker, Jun 1, 2026. https://www.americanbanker.com/news/citizen-financials-michael-ruttledge-is-43-on-the-most-innovative-people-in-finance-ranking
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29. At Huntington Bancshares, the CFO is also the AI strategist — Fortune, Apr 24, 2026. https://fortune.com/2026/04/24/huntington-bancshares-cfo-ai-strategist/
30. Coverbase Adds Third-Party Risk Veterans as Enterprise Adoption Accelerates — Coverbase (GlobeNewswire), Sep 29, 2026. https://www.globenewswire.com/news-release/2026/09/29/3370991/0/en/coverbase-adds-third-party-risk-veterans-as-enterprise-adoption-accelerates.html
31. KeyBank Taps $100 Million Increase in Technology Spend (AI calls at $0.25 vs $9) — PYMNTS, Jan 23, 2026. https://www.pymnts.com/news/artificial-intelligence/2026/keybank-taps-conversational-ai-cut-call-center-costs/
32. The Most Powerful Women in Banking NEXT, #3, Emily Gessner, KeyBank — American Banker, Oct 1, 2026. https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-3-emily-gessner-keybank
33. First Commonwealth Financial Corporation Form 10-Q for the quarter ended March 31, 2026 — First Commonwealth Financial Corporation (SEC filing), May 11, 2026. https://www.sec.gov/Archives/edgar/data/712537/000071253726000022/fcf-20260331.htm
34. First Commonwealth Financial Corporation Form 10-Q for the quarter ended June 30, 2026 — First Commonwealth Financial Corporation (SEC filing), Aug 10, 2026. https://www.sec.gov/Archives/edgar/data/712537/000071253726000030/fcf-20260630.htm
35. Q3 2026 Investor Presentation (Form 8-K, Exhibit 99.1) — WesBanco (SEC filings), Aug 27, 2026. https://www.sec.gov/Archives/edgar/data/203596/000119312526371610/wsbc-ex99_1.htm
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37. U.S. Treasury Announces Record Enforcement Actions Against Bank of America — U.S. Department of the Treasury, Oct 13, 2026. https://home.treasury.gov/news/press-releases/sb0657
38. OCC Imposes $750 Million Assessment Against Bank of America for Deficient BSA/AML Compliance — Office of the Comptroller of the Currency, Oct 13, 2026. https://www.occ.gov/news-issuances/news-releases/2026/nr-occ-2026-89.html
39. BofA fined $1.21 billion over AML — Banking Dive, Oct 13, 2026. https://bankingdive.com/news/bofa-fined-1-21-billion-over-aml-bsa-occ-treasury/832915
40. How M&T Bank ensures data quality as it implements gen AI — American Banker, Sep 18, 2025. https://www.americanbanker.com/news/how-m-t-bank-ensures-data-quality-as-it-implements-gen-ai
41. AI agent bank runs possible but unlikely, experts say — American Banker, Oct 1, 2026. https://americanbanker.com/news/ai-agent-bank-runs-possible-but-unlikely-experts-say
42. Exhibit 99.3: Third quarter 2025 earnings presentation (Form 8-K) — Truist Financial (SEC filing), Oct 17, 2025. https://www.sec.gov/Archives/edgar/data/92230/000009223025000150/ex993-earningsdeck3q25.htm
43. Truist delivers 2 billion AI-powered proactive insights — Truist via FT Markets, Sep 3, 2026. https://markets.ft.com/data/announce/detail?dockey=600-202609030730PR_NEWS_USPRX____CL39481-1
44. People use AI to gauge banks' reputations, and its verdicts are harsh — American Banker, Sep 18, 2026. https://www.americanbanker.com/opinion/people-use-ai-to-gauge-banks-reputations-and-its-verdicts-are-harsh
45. Frontier AI Fact Sheet — First Citizens Bank, Jul 3, 2026. https://newsroom.firstcitizens.com/image/First-Citizens-Bank-Frontier-AI-Fact-Sheet.pdf
46. First Citizens Bank Corporate Profile 1Q26 — First Citizens Bank, Apr 30, 2026. https://www.firstcitizens.com/content/dam/firstcitizens/pdfs/about-us/corporate-profile.pdf
47. A Q&A With Scott Richardson: AI at First Citizens Bank — First Citizens Bank, Sep 3, 2026. https://newsroom.firstcitizens.com/2026-09-03-A-Q-A-With-Scott-Richardson-AI-at-First-Citizens-Bank
48. First Citizens Bank Launches New Innovation Banking Brand — First Citizens Bank, Oct 6, 2026. https://newsroom.firstcitizens.com/2026-10-06-First-Citizens-Bank-Launches-New-Innovation-Banking-Brand
49. Fifth Third at Barclays conference: Comerica deal lifts growth plans (transcript) — Investing.com, Sep 15, 2026. https://investing.com/news/transcripts/fifth-third-at-barclays-conference-comerica-deal-lifts-growth-plans-93CH-4901613
50. Alum Spotlight: Jay Budzik (PhD '03) — Northwestern McCormick School of Engineering, Oct 12, 2026. https://mccormick.northwestern.edu/computer-science/news-events/news/articles/2026/alum-spotlight-jay-budzik.html
51. 2026 Company Update Transcript - Chairman and CEO Q&A — JPMorganChase, Feb 25, 2026. https://www.jpmorganchase.com/content/dam/jpmc/jpmorgan-chase-and-co/investor-relations/documents/2026-company-updates/company-update-chairman-ceo-transcript.pdf
52. JPMorgan Chase blocks outside AI agents like Muse, Instinct from directly accessing accounts — CNBC, Oct 13, 2026. https://www.cnbc.com/2026/10/13/jpmorgan-ai-agents-account-access.html
53. JPMorgan CEO Dimon warns customers of 'liability transfer' with AI — Banking Dive, Oct 13, 2026. https://www.bankingdive.com/news/jpmorgan-dimon-ai-agents-bank-customers-liability-transfer/832870
54. JPMorgan warns of risks to consumers who rely on AI agents — American Banker, Oct 13, 2026. https://www.americanbanker.com/news/jpmorgan-warns-of-risks-to-consumers-who-rely-on-ai-agents
55. What is Jade Financial Partner? (help centre, retrieved 2026-09-23) — Chime, Sep 23, 2026. https://help.chime.com/manage-money-56350c4d/jade-financial-partner-09a6e8e3/what-is-jade-financial-partner-d9c77341
56. Chime Announces Agreement to Acquire Stride Bank — Chime, Sep 8, 2026. https://investors.chime.com/news-releases/news-release-details/chime-announces-agreement-acquire-stride-bank
57. #31 Atlantic Union's CIO automated his way through a $14 billion merger — American Banker, Jun 1, 2026. https://www.americanbanker.com/news/atlantic-union-banks-cio-is-31-on-the-most-innovative-people-in-finance-ranking
58. Atlantic Union Bankshares Form 10-Q for the quarter ended June 30, 2026 — SEC (EDGAR), Aug 6, 2026. https://www.sec.gov/Archives/edgar/data/883948/000088394826000073/aub-20260630x10q.htm
59. #36 First Horizon's CIO is zeroing in on 'data-as-a-product' in tech push — American Banker, Jun 1, 2026. https://americanbanker.com/news/first-horizons-cio-is-36-on-the-most-innovative-people-in-finance-ranking
60. Blueprint to Breakthrough: Activating Banking Analytics, AI, and Agentic Use Cases (First Horizon, Deloitte and Databricks session) — Databricks, Sep 15, 2026. https://answers.databricks.com/blueprint-breakthrough-activating-banking-analytics-ai-agentic-use-cases-zA4cdc9C6oQ
61. The Most Powerful Women in Banking NEXT, #19, Lena McCloskey, First Horizon Corporation — American Banker, Oct 1, 2026. https://www.americanbanker.com/news/2026-the-most-powerful-women-in-banking-next-19-lena-mccloskey-first-horizon-corporation
62. SouthState second-quarter 2026 earnings presentation (Form 8-K, Exhibit 99.2) — SouthState Bank Corporation (SEC filings), Jul 23, 2026. https://www.sec.gov/Archives/edgar/data/764038/000110465926086278/ssb-20260723xex99d2.htm
63. SouthState Bank Corporation Form 8-K: third-quarter 2026 earnings date — SouthState Bank Corporation (SEC filings), Oct 2, 2026. https://www.sec.gov/Archives/edgar/data/764038/000119312526411326/ssb-20261002.htm
64. Pinnacle (PNFP) Q1 2026 Earnings Transcript — The Motley Fool (earnings call transcript), Apr 23, 2026. https://fool.com/earnings/call-transcripts/2026/04/23/pinnacle-pnfp-q1-2026-earnings-transcript
65. The Most Powerful Women in Banking Women to Watch, #15, Liz Wolverton, Pinnacle Financial Partners — American Banker, Oct 1, 2026. https://americanbanker.com/news/2026-the-most-powerful-women-in-banking-women-to-watch-15-liz-wolverton-pinnacle-financial-partners
66. Upstart Announces Second Quarter 2026 Results — Upstart, Aug 4, 2026. https://ir.upstart.com/news-releases/news-release-details/upstart-announces-second-quarter-2026-results
67. Happen’s Digital Banking Push Helps Deposits Jump 18% — PYMNTS, Jul 27, 2026. https://www.pymnts.com/news/banking/2026/happens-digital-banking-push-helps-deposits-jump-18/
68. Accelerating Valley's National Digital Banking Franchise: Acquisition of Bluevine Inc. (investor presentation) — Valley National Bancorp, Sep 28, 2026. https://www.valley.com/content/dam/valley/pdfs/bluevine/Accelerating%20Valleys%20National%20Digital%20Banking%20Franchise.pdf
69. Bluevine Study Finds More Than Half of SMBs Use AI to Handle Workload of at Least One Employee — Bluevine via PR Newswire, Oct 7, 2026. https://www.prnewswire.com/news-releases/bluevine-study-finds-more-than-half-of-smbs-use-ai-to-handle-workload-of-at-least-one-employee-302900406.html
70. Square Brings Managerbot to More Sellers, Giving Main Street an Intelligent Business Agent — Square, Apr 28, 2026. https://squareup.com/us/en/press/managerbot-open-beta
71. Q2 2026 Shareholder Letter (Exhibit 99.1 to Form 8-K) — Block, Inc. via SEC EDGAR, Aug 5, 2026. https://www.sec.gov/Archives/edgar/data/1512673/000119312526335117/d91486dex991.htm
72. Schwab (SCHW) Q1 2026 Earnings Call Transcript — The Motley Fool (Yahoo Finance), Apr 16, 2026. https://finance.yahoo.com/markets/stocks/articles/schwab-schw-q1-2026-earnings-145425271.html
73. Charles Schwab's Amy Ruegg: AI Can Make Investing Easier, but Human Expertise Remains Key — Traders Magazine, Oct 8, 2026. https://www.tradersmagazine.com/featured_articles/charles-schwabs-amy-ruegg-ai-can-make-investing-easier-but-human-expertise-remains-key/
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75. F.N.B. Corporation Investor Day presentation (Form 8-K, Exhibit 99.1) — F.N.B. Corporation (SEC filings), Nov 5, 2025. https://www.sec.gov/Archives/edgar/data/37808/000003780825000137/exhibit991-fnbinvestorda.htm
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78. FNB dives deeper into the Southeast — Banking Dive, Sep 3, 2025. https://bankingdive.com/news/fnb-dives-deeper-southeast-north-south-carolina-mid-atlantic-maryland-virginia/759146

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