Apr 29, 2026 · 24 min · 15 segments
Over the past two decades, Pennsylvania-based F.N.B. Corporation has grown its assets from roughly $5.4 billion to $50 billion, grown its net operating income by a similar ratio and more than doubled…
Evan SparksHost
We're right up against the end of our time here, but I guess I'll close with one final question.
Beyond what we've already talked about today, what are you most excited about in the next couple years for the banking industry in general?
But basically, I think if I were a banker today, a young banker, I'd be really excited because I keep telling my people, "Don't be afraid of the changes that are coming from a technology perspective, even if you're a small bank," because I think we're all gonna be able to share in what's coming equally, and we're all gonna have the ability to offer things that, that some of the largest banks in the country can't do, mainly because of the size of the enterprise and the lack of bureaucracy and our ability to leverage tech and what's happening.
And I tell my people, "I want you to be like cyber soldiers, I- cyber warriors out there.
I want you to have every tool you need to win in the field." And I think that some of the things that we've rolled out have worked.
If you look at the FDIC data, we have grown market share in 75% of the MSAs that we compete in last year.
So I think that's a statement about what we've done, and we're not the largest bank in the country, but we compete against them every day.
So I would tell everyone in banking that there's opportunities up and down the board, and this is a very exciting time.
We're right up against the end of our time here, but I guess I'll close with one final question.
Beyond what we've already talked about today, what are you most excited about in the next couple years for the banking industry in general?
But basically, I think if I were a banker today, a young banker, I'd be really excited because I keep telling my people, "Don't be afraid of the changes that are coming from a technology perspective, even if you're a small bank," because I think we're all gonna be able to share in what's coming equally, and we're all gonna have the ability to offer things that, that some of the largest banks in the country can't do, mainly because of the size of the enterprise and the lack of bureaucracy and our ability to leverage tech and what's happening.
And I tell my people, "I want you to be like cyber soldiers, I- cyber warriors out there.
I want you to have every tool you need to win in the field." And I think that some of the things that we've rolled out have worked.
If you look at the FDIC data, we have grown market share in 75% of the MSAs that we compete in last year.
So I think that's a statement about what we've done, and we're not the largest bank in the country, but we compete against them every day.
So I would tell everyone in banking that there's opportunities up and down the board, and this is a very exciting time.
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