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Investing in Change

The critical investments, financial support and partnerships to strengthen our diverse communities.

Real Progress Takes Real Commitment

At FNB, our success is grounded in our mission to build strong communities. As we continue to enhance our commitment to diversity and inclusion, we know that making a difference means taking meaningful action to improve the opportunities available to underserved groups.

Our goal of driving lasting change underscores our $250 million commitment to help low- and moderate-income (LMI) and minority communities address economic and social inequity. The funding promotes economic growth in the underserved communities within our market footprint through affordable housing and small business initiatives, workforce and cultural preservation opportunities, financial education programs, partnerships and infrastructure investments. Each effort, regardless of scale, is aimed at improving the quality of life in the communities we serve.

Our strategic approach to community investment is recognized with an Outstanding rating on our most recent Community Reinvestment Act (CRA) performance evaluation from the Office of the Comptroller of the Currency (OCC). The rating affirms our performance in meeting the credit needs of LMI individuals and avoiding redlining practices, as well as our successful deployment of capital and other products and services in the LMI communities we serve.

Expanding Access to Credit

Underserved or underbanked populations, including many of those in predominantly minority communities, can have difficulty finding financing to meet their goals, so FNB makes developing inclusive lending solutions a priority.

Homeownership often is cited as a foundation for financial security, generational wealth and strong, stable communities, but it may seem out of reach for those with a troubled credit history and/or low income. For qualified individuals, FNB offers proprietary mortgage products that provide flexibility in determining creditworthiness as well as closing cost assistance for LMI borrowers. Coupled with up to 100 percent financing, up-front costs can be greatly reduced or eliminated.

Additionally, our Special Purpose Credit Program (SPCP), as permitted by the Equal Credit Opportunity Act and federal banking agencies, expands access to credit in majority-minority and historically underserved communities through specially designed mortgages and home equity loans. We also have Community Homeownership Specialists in several urban markets to strengthen outreach and connect people with financial education resources, products and services to put homeownership within reach.

In addition to homeownership and financing solutions, we have a wide range of thoughtfully designed consumer products to build credit and avoid mistakes.

Growing with Purpose

Our expansion strategy is purpose-driven. We ensure FNB’s growth benefits our communities by building new regional headquarters, operational centers and branches in diverse, underserved urban and rural markets. The results are gains in job opportunities and overall economic impact.

We are emphasizing that commitment with FNB Financial Center, our new headquarters tower in Pittsburgh’s Hill District neighborhood. As one of only a few public companies in the U.S. to establish its headquarters in a predominantly minority community, FNB Financial Center builds on FNB’s long history of service in the neighborhood, where our total commitment exceeds $200 million in loans, investments and grants.

The striking 26-story tower is at the heart of one of the largest, most socially responsible urban development initiatives in the country — with requirements for meaningful participation by minority business enterprises and women business enterprises that are among the highest levels nationally for projects of its size. The overall project is expected to serve as the catalyst for the creation of thousands of jobs and nearly $1 billion in economic expansion that will resonate throughout the Pittsburgh region, most importantly in a historically ignored and underserved minority community.

Creating Opportunities

It is our responsibility as a corporate leader and citizen to elevate our communities – especially those that are historically underrepresented or underserved.

Among millions of dollars provided in sponsorships and financial contributions, some key examples of our focused support include:

  • Being the founding sponsor and principal grant provider for the African American Directors ForumRedirect icon, which is designed to improve diversity — particularly African American representation — among the ranks of C-suite executives and board membership of publicly traded companies in the United States.
  • Partnered with the Pittsburgh Penguins and Riverside Center for Innovation on the Small Business Development Camp to provide five small businesses in the Pittsburgh, PA, area with the opportunity to participate in a six-week training program to help their businesses grow and thrive.
  • Contributing over $1.2 million to support the Hill District Federal Credit Union, a minority depository institution that has served Pittsburgh's Hill District community for the last 50 years.
  • Our $1 million total commitment to the Pittsburgh Promise, which promotes educational aspirations for urban youth.
  • Support of Pride events celebrating the LGBTQ+ community through both sponsorships and employee volunteerism in multiple FNB markets.
  • Funding, hands-on support and recruiting partnerships with organizations that aid veterans.
  • Millions of dollars in grants provided to nonprofits and groups serving vulnerable and LMI neighborhoods.
Notices & Disclosures

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