Form 8-K FNB CORP/FL/ For: Jun 17

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

F.N.B. Corporation
__________________________________________
(Exact name of registrant as specified in its charter)

Not Applicable
______________________________________________
Former name or former address, if changed since last report

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

[  ]  Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
[  ]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
[  ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
[  ]  Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 7.01 Regulation FD Disclosure.

F.N.B. Corporation (the "Company") has posted the summary of its annual stress test results required by the Dodd Frank Wall Street Reform and Consumer Protection Act of 2010 on its website. The results can be found on the Company’s website at www.fnbcorporation.com under Regulatory Disclosures.

In accordance with guidelines prescribed by the Federal bank regulatory agencies, the Company’s stress testing results reflect the impact of a hypothetical severely adverse macroeconomic scenario with respect to the Company’s earnings, consolidated losses, revenues, expenses, and balance sheet (including risk-weighted assets).

The publication of the severely adverse scenario stress test results by the Company should not be taken as an indication of the Company’s present or future performance and investors should not draw any positive or negative inference regarding the Company’s stress test results. Moreover, since each of the financial institutions with assets between $10 billion and $50 billion who are required to conduct the stress test use their own specific modeling process, there is no meaningful methodology for comparing the resulting data among the reporting financial institutions.

The information furnished by the Company pursuant to this Item 7.01, including Exhibit 99.1, shall not be deemed to be "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that section. The information referenced herein, on our website or that can be accessed through our website, is not part of this report. This report will not be deemed an admission as to the materiality of any information in the report that is required to be disclosed solely by Regulation FD.

Item 9.01 Financial Statements and Exhibits.

A copy of press release announcing the Company’s release of a summary of the Company’s annual stress test results is included as Exhibit 99.1.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Exhibit Index

Exhibit 99.1

F.N.B. Corporation Stress Test Results Validate Current
Capital Management Strategies

PITTSBURGH, PA – June 17, 2015 – F.N.B. Corporation (NYSE: FNB) is pleased to announce the results of its 2015 company-run capital stress test (“Dodd-Frank Act Stress Test” or “DFAST”). F.N.B. and its subsidiary bank, First National Bank of Pennsylvania (FNBPA), are required to disclose the results of the DFAST annually, beginning with the 2015 test.

Results indicate that, even in the severely adverse scenario presented by the test, F.N.B. and FNBPA’s capital ratios exceed both the regulatory minimum required ratios mandated under Basel III and the well-capitalized thresholds throughout the nine-quarter time horizon. These results validate the Company’s current capital management strategies and management’s approach to operating with a low-risk balance sheet.

In accordance with guidelines prescribed by Federal bank regulatory agencies, F.N.B.’s annual stress test results reflect the impact of a hypothetical, severely adverse macroeconomic scenario with respect to the Company’s earnings, consolidated losses, revenues, expenses, and balance sheet (including risk-weighted assets). Detailed results can be found at www.fnbcorporation.com under Regulatory Disclosures.

The publication of the severely adverse scenario stress test results by F.N.B. should not be taken as an indication of the Company’s present or future performance and investors should not draw any positive or negative inference regarding F.N.B.’s stress test results.

About F.N.B. Corporation
F.N.B. Corporation (NYSE: FNB), headquartered in Pittsburgh, Pennsylvania, is a diversified financial services company operating in six states, including three major metropolitan areas. It holds a top retail deposit market share in Pittsburgh, PA, Baltimore, MD, and Cleveland, OH. The Company has total assets of $16.3 billion and more than 280 banking offices throughout Pennsylvania, Maryland, Ohio and West Virginia. F.N.B. 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, international 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. F.N.B.’s wealth management services include asset management, private banking and insurance. The Company also operates Regency Finance Company, which has more than 70 consumer finance offices in Pennsylvania, Ohio, Kentucky and Tennessee. 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 SmallCap 600 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 web site at www.fnbcorporation.com.

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MEDIA CONTACT: Jennifer Reel 724.983.4856 Cell: 724.699.6389 [email protected]

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