F.N.B. Corporation Further Expands eStore® Common Application Capabilities with Introduction of Business Loan Products

By integrating business lending into its digital platform, FNB is strengthening its ability to serve as the primary bank for clients while building upon a strategy focused on leveraging data, technology and AI to increase the speed and quality of engagement.

Expansion of the Common App
FNB's Common app is a first-of-its-kind solution that enables clients to apply for more than 50 consumer and business products and services simultaneously through a single, streamlined digital application.

With the addition of business loan products, the full spectrum of a small business owner's personal and professional financial needs can be addressed, further accelerating how FNB engages businesses and deepens primary banking relationships. The enhancement reinforces FNB's position as a leader in digital innovation by making it faster and easier for businesses to acquire the full range of financial products needed to start, manage and grow their operations.

By leveraging AI-driven insights and advanced data analytics to minimize client keystrokes and significantly reduce application time, the Common app simplifies account onboarding, accelerates decision-making and assists customers with finding the solutions best suited to their unique needs.

Clicks-to-Bricks: A Decade of Digital Innovation
FNB's omnichannel Clicks-to-Bricks strategy integrates in-branch, online and mobile channels to deliver a consistently exceptional banking experience, no matter how or where clients choose to bank.

Building on Delie's long-term investments in digital growth, the Clicks-to-Bricks strategy has positioned FNB as an industry leader.

The strategy has been the foundation for numerous innovations in digital banking, including FNB's proprietary eStore and the Common app, as well as a retail-oriented website, comprehensive online banking platform and feature-rich mobile app.

"Our digital strategy is designed to drive client acquisition, primacy and engagement while it continues to fuel our growth and market share gains," said Delie. "Clicks-to-Bricks has transformed how we serve our clients by combining the convenience of digital banking with the personalized support of our bankers. Over the past decade, this strategy has solidified our position as an industry leader through innovative solutions like the eStore and Common app that empower clients to achieve their financial goals. The addition of business loan products is just the latest step in our continual efforts to increase the speed and quality with which we engage with clients." 

eStore is an award-winning digital banking platform where clients can buy products, schedule appointments with bankers and access financial education resources. Seamless connectivity with the Company's physical locations ensures that digital technology enhances the convenience afforded by an optimized and continually expanding network of traditional ATMs, ATMs with TellerChat (ITMs) and modern concept branches that have continued to elevate in-person banking interactions.

Impact and Continued Innovation
As Clicks-to-Bricks has evolved, it has fueled growth and efficiency for FNB. Today, the Company spans seven states and Washington, D.C., and is one of the nation's top 20 retail banks by number of branches. Digital technology has amplified the Company's reach and enabled it to easily add scale, products and services.

Highlights of the strategy's impact include:

• An increase of more than 300 percent in online application volume in Q4 2025 compared to Q4 2024, driven by enhancements to FNB's eStore and the addition of the expanded Common app to all branches.
• Online banking logins hit a record high in January 2026, up more than 66 percent from January 2025.
• FNB has more than doubled in size over the past decade, expanding total assets to more than $50 billion.
• FNB's new headquarters opened as a symbol of the Clicks-to-Bricks strategy, creating a dedicated space for FNB to test its latest technology advances, including a new eStore prototype that unites eStore and ITM capabilities.
• FNB has received numerous prestigious global awards for its digital initiatives from organizations such as FinTech Futures and Celent.
• Delie has been selected as CEO of the Year – USA by The Digital Banker, named CEO of the Year by The CEO Magazine, recognized with a Distinguished Leadership Award from the Committee for Economic Development and included among the top 50 CEOs across all industries in the U.S. by Brand Finance. These honors reflect the strength of FNB's ongoing leadership, vision and strategy.

FNB continues to enhance its digital platforms to remove friction at every stage of the eStore onboarding experience. Through the Common app, clients can easily open multiple accounts, while tools such as Payment Switch and Direct Deposit Switch enable them to move recurring ACH transactions and direct deposits to FNB in one seamless step. These innovations, coupled with an expanding physical presence, ensure that Clicks‑to‑Bricks delivers on its core promise: superior engagement, faster growth and stronger relationships with the households and businesses FNB serves.

Explore the Company's comprehensive digital solutions powered by the Clicks-to-Bricks strategy at fnb-online.com.

About F.N.B. Corporation
F.N.B. Corporation (NYSE: FNB), headquartered in Pittsburgh, Pennsylvania, is a diversified financial services company operating in seven states and the District of Columbia. FNB's 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. The Company has total assets of more than $50 billion and approximately 350 banking offices throughout Pennsylvania, Ohio, Maryland, West Virginia, North Carolina, South Carolina, Washington, D.C. and Virginia.

FNB provides a full range of commercial banking, consumer banking and wealth management solutions through its subsidiary network which is led by its largest affiliate, First National Bank of Pennsylvania, founded in 1864. Commercial banking solutions include corporate banking, small business banking, investment real estate financing, government banking, business credit, capital markets and lease financing. The consumer banking segment provides a full line of consumer banking products and services, including deposit products, mortgage lending, consumer lending and a complete suite of mobile and online banking services. FNB's wealth management services include asset management, private banking and insurance.

The common stock of F.N.B. Corporation trades on the New York Stock Exchange under the symbol "FNB" and is included in Standard & Poor's MidCap 400 Index with the Global Industry Classification Standard (GICS) Regional Banks Sub-Industry Index. Customers, shareholders and investors can learn more about this regional financial institution by visiting the F.N.B. Corporation website at www.fnbcorporation.com.

SOURCE F.N.B. Corporation