FNB Financial Services LP

12/17/2025 | Press release | Distributed by Public on 12/17/2025 10:01

Primary Offering Prospectus (Form 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 December 17, 2025.

ANNUAL
INTEREST
RAT E
ANNUAL
PERCENTAGE
YIELD

Subordinated Daily Notes

1.40 % 1.41 %

Subordinated Special Daily Notes MINIMUM BALANCE $25,000.00

3.25 % 3.29 %

Subordinated JUMBO Daily Notes MINIMUM BALANCE $100,000.00

3.85 % 3.91 %

Subordinated Term Notes

3 Month

3.20 % 3.24 %

6 Month

SPECIAL 4.10 % 4.16 %

9 Month

3.30 % 3.34 %

12 Month

3.40 % 3.44 %

15 Month

3.50 % 3.55 %

18 Month

SPECIAL 4.20 % 4.27 %

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 5.50 % 5.61 %

This Prospectus Supplement is dated December 17, 2025.

FNB Financial Services LP published this content on December 17, 2025, and is solely responsible for the information contained herein. Distributed via Edgar on December 17, 2025 at 16:01 UTC. If you believe the information included in the content is inaccurate or outdated and requires editing or removal, please contact us at [email protected]