F.N.B. Corporation (FNB) — ESG & Values Scores

Environment story

FNB discloses minimal environmental data in its 10-K filing. No Scope 1, 2, or 3 emissions metrics are reported. No net-zero target year is disclosed. No renewable energy percentage or climate mitigation initiatives are documented. The absence of material environmental disclosure and quantifiable climate commitments results in significant deductions. FNB operates as a regional bank with limited direct operational carbon footprint compared to industrial sectors, but demonstrates no proactive decarbonization strategy or ESG reporting framework. Environmental score capped at 55 due to near-total absence of disclosed emissions data and climate targets, triggering Checklist A penalty for greenwashing-adjacent omission (undisclosed Scope 3 supply-chain emissions representing unknown but potentially material portion of footprint).

Criticisms on file

Total absence of disclosed Scope 1, 2, and 3 emissions; no climate targets or net-zero commitment stated; no renewable energy percentage reported.
Source: FNB 10-K Filing 2024 (Item 1A Risk Factors – Corporate Responsibility disclosure)

Disclosed initiatives

Sustainability and Governance Risk Management

10-K references engagement in 'various initiatives to help manage our sustainability and governance profile and respond to stakeholder expectations,' but provides no specific metrics, timelines, or measurable targets.

Social story

FNB discloses limited social metrics in its 10-K. No CEO-to-median-worker pay ratio is provided. Diversity statistics for leadership and workforce are not quantified in the filing. The company acknowledges 'human capital and human resource practices' as a Corporate Responsibility matter but provides no specific diversity percentages, turnover rates, or union-related disclosures. FNB entered into DOJ and North Carolina State consent orders (Feb 2024) resolving Fair Housing Act and ECOA violations from 2017–2021, including discriminatory lending practices in Charlotte and Winston-Salem markets. These compliance orders will remain in effect for a minimum of five years and require loan subsidy payments to qualified applicants. No documented major strikes or union-suppression activities are disclosed within the last 24 months. The consent orders and historical fair lending violations represent material social governance concerns that reduce the score by 25 points. Absence of disclosed diversity metrics and CEO compensation data further constrains the score.

Criticisms on file

DOJ Fair Housing Act and ECOA Consent Orders: FNBPA resolved allegations of discriminatory lending practices (2017–2021) in Charlotte and Winston-Salem, NC assessment areas, requiring compliance order approval by U.S. District Court (Feb 13, 2024).
Source: FNB 10-K Filing 2024 (Item 1A Risk Factors – Legal and Compliance Risk; Consent Orders announcement Feb 5, 2024)
No disclosed diversity metrics (race, gender, ethnicity) for leadership or workforce; no CEO-to-worker pay ratio disclosed; no union standing or labor relations data provided.
Source: FNB 10-K Filing 2024 (Human Capital disclosure absent from 10-K Risk Factors and Business section)

Disclosed initiatives

DOJ Consent Orders – Fair Lending Remediation

FNBPA entered consent orders with DOJ and North Carolina State Department of Justice (Feb 2024) to resolve Fair Housing Act and ECOA violations (2017–2021). Orders require enhanced compliance practices, loan subsidy payments to qualified applicants, and ongoing monitoring for minimum 5-year term.

Significant remediation costs and reputation harm; limits ability to pursue M&A and strategic growth initiatives; may adversely impact CRA rating.
Human Capital Management Initiatives

Company acknowledges management of human capital and HR practices as part of Corporate Responsibility framework in response to evolving stakeholder expectations.

Governance story

FNB maintains a Pennsylvania incorporation with anti-takeover provisions (75% supermajority required for bylaw amendments; 25% shareholder threshold for special meetings). No evidence of dual-class share structure is disclosed; voting structure appears single-class. Board independence percentage is not disclosed in the 10-K. No specific lobbying expenditure data is provided. The company does not disclose active lobbying targeting climate deregulation or consumer-protection rollback. Recent regulatory developments (OCC/FDIC proposed rules on reputation risk, FRB supervisory operating principles) are acknowledged but no material antitrust, consumer-safety, or financial-fraud proceedings are disclosed. FNB faces FDIC special assessments ($5.2M in 2024, $5.6M reduction in 2025) related to SVB and SBNY failures, demonstrating exposure to systemic banking risks but not direct regulatory violations. Governance score reflects absence of disclosed board independence metrics and lobbying transparency data, balanced against single-class share structure and lack of evidence of active anti-climate lobbying.

Criticisms on file

Board independence percentage not disclosed; no governance metrics provided regarding director independence, committee structure, or board composition diversity.
Source: FNB 10-K Filing 2024 (Governance section absent from Risk Factors; no proxy statement excerpted)
Lobbying expenditures and PAC contributions not disclosed in 10-K filing; no transparent political spending data provided.
Source: FNB 10-K Filing 2024 (no lobbying or political spending disclosure in Risk Factors or Business section)
FDIC special assessments: $29.9M (2023) and $5.2M (2024) for bank failure resolutions; systemic risk exposure acknowledged but no direct FNB regulatory violations or consent decrees disclosed.
Source: FNB 10-K Filing 2024 (Item 1A Risk Factors – Legal and Compliance Risk; FDIC Assessment section)

Disclosed initiatives

Board Governance and Risk Oversight

Item 7 (MD&A) references risk oversight and management process, but specific board composition, independence metrics, and governance structure details are not disclosed in the 10-K.
Regulatory Compliance and Supervisory Engagement

Company acknowledges engagement with FRB, OCC, FDIC supervisory frameworks and notes recent supervisory operating principle changes (Nov 2025) focused on material financial risks and reduced regulatory burden.

Potential opportunity to streamline compliance programs; exposure to evolving regulatory expectations and rulemaking.

These are Missionomics' own editorial scores — directional signals built from disclosed facts under a published method, not certifications or definitive ratings of F.N.B. Corporation. Coverage and confidence vary by data point, and figures can lag real-world changes. Read the full Methodology for sourcing, scoring, and correction details — or open F.N.B. Corporation in the app for interactive charts and portfolio building.

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