Filed by F.N.B. Corporation

Pursuant to Rule 425 under the Securities Act of 1933

and deemed filed pursuant to Rule 14a-12 of the Securities Exchange Act of 1934

Subject Company: OBA Financial Services, Inc.

(Commission File No. 01-34593)

The portions of the F.N.B. Corporation Investor Presentation – First Quarter 2014, dated May 14, 2014, which relate to the proposed merger between F.N.B. Corporation and OBA Financial Services, Inc., are furnished below.

Cautionary Statement Regarding Forward-Looking Information

The presentation and the reports F.N.B. Corporation files with the Securities and Exchange Commission often contain “forward-looking statements” relating to present or future trends or factors affecting the banking industry and, specifically, the financial operations, markets and products of F.N.B. Corporation. These forward-looking statements involve certain risks and uncertainties. There are a number of important factors that could cause F.N.B. Corporation’s future results to differ materially from historical performance or projected performance. These factors include, but are not limited to: (1) a significant increase in competitive pressures among financial institutions; (2) changes in the interest rate environment that may reduce interest margins; (3) changes in prepayment speeds, loan sale volumes, charge-offs and loan loss provisions; (4) general economic conditions; (5) various monetary and fiscal policies and regulations of the U.S. government that may adversely affect the businesses in which F.N.B. Corporation is engaged; (6) technological issues which may adversely affect F.N.B. Corporation’s financial operations or customers; (7) changes in the securities markets; (8) risk factors mentioned in the reports and registration statements F.N.B. Corporation files with the Securities and Exchange Commission; (9) housing prices; (10) job market; (11) consumer confidence and spending habits; (12) estimates of fair value of certain F.N.B. Corporation assets and liabilities; (13) transaction risks associated with the pending merger of OBA Financial Services Inc., and integration challenges related to the completed mergers with BCSB Bancorp, Inc., PVF Capital Corp. and Annapolis Bancorp, Inc. and the difficulties encountered in expanding into a new market; (14) the effects of current, pending and future legislation, regulation and regulatory actions, or (15) the impact on federal regulated agencies that have oversight or review of F.N.B. Corporation’s business and securities activities. F.N.B. Corporation undertakes no obligation to revise these forward-looking statements or to reflect events or circumstances after the date of this presentation.

Additional Information About the Merger and Where to Find It

In connection with the merger, F.N.B. Corporation will file with the SEC a Registration Statement on Form S-4 that will include a Proxy Statement of OBA Financial Services, Inc. and a Prospectus of F.N.B., as well as other relevant documents concerning the proposed transaction.

SHAREHOLDERS OF OBA FINANCIAL SERVICES, INC. ARE URGED TO READ THE REGISTRATION STATEMENT AND THE PROXY STATEMENT/PROSPECTUS REGARDING THE MERGER WHEN IT BECOMES AVAILABLE AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SEC, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION.

The proxy statement/prospectus and other relevant materials (when they become available), and any other documents F.N.B. and OBA have filed with the SEC, may be obtained free of charge at the SEC’s internet site, http://www.sec.gov. Copies of the documents F.N.B. has filed with the SEC may be obtained, free of charge, by contacting James G. Orie, Chief Legal Officer, F.N.B. Corporation, One F.N.B. Boulevard, Hermitage, PA 16148, telephone: (724) 983-3317; and copies of the documents OBA has filed with the SEC may be obtained by contacting Charles E. Weller, President and Chief Executive Officer, OBA Financial Services, Inc., 20300 Seneca Meadows Parkway, Germantown, MD 20876, telephone: (301) 916-0742.

F.N.B. and OBA and certain of their directors and executive officers may be deemed to be participants in the solicitation of proxies from the shareholders of OBA in connection with the merger. Information concerning such participants’ ownership of OBA common stock will be set forth in the Proxy Statement/Prospectus regarding the merger when it becomes available. This communication does not constitute an offer of any securities for sale.

About F.N.B. Corporation

5

(1) Pro-forma for the pending acquisition of OBA Financial Services, Inc., which is expected to close in 3Q14, with assets of approximately $0.4 billion,

loans of $0.3 billion, deposits of $0.3 billion and 6 banking locations; (2) SNL Financial, excludes custodian bank

•

Assets: $14.9 billion

(1)

•

Loans: $10.2 billion

(1)

•

Deposits: $12.2 billion

(1)

•

Banking locations: 289

(1)

•

Market Capitalization: $2.1 billion

•

Attractive and expanding footprint: PA/OH/MD/WV: Banking locations span

57

counties and four states

(1)

•

Presence in three major metropolitan markets

(2)

•

#3 market share in the Pittsburgh, Pennsylvania MSA

•

#10 market share in the Baltimore, Maryland MSA

•

#14 market share in the Cleveland, Ohio MSA

•

Solid profitability performance

•

Consistent, high-quality results

•

Industry-leading, consistent loan growth

•

Solid shareholder returns

•

Position for sustained growth; maintain low risk profile

•

Reposition and reinvest in the franchise

•

Maintain disciplined expense control

•

Expand market share potential and growth opportunities

•

Maintain low-risk profile

High-Quality,

Growing Regional Financial Institution

Positioned for Sustained Growth

Consistent, Strong Operating Results

Operating Strategy

Market Position

Strong Market Position

Regional Alignment

Presence in Major Markets

Acquisition-Related Expansion Enhances Organic Growth Opportunities

14

FNB’s model utilizes six regions, including three in major metropolitan markets,

with each having a regional headquarters housing cross-functional teams. 

The five most recent announced acquisitions position FNB in dynamic metro markets.

FNB Banking Footprint 

15

Source: SNL Financial

FNB Recent Acquisition Summary

MSA

FNB

Market

Share

MSA

Population

Pittsburgh

#3

2.4 Million

(#22 MSA)

PVSA -

Closed 1Q12

Baltimore

#10

2.7 Million

(#20 MSA)

ANNB -

Closed 2Q13

BCSB -

Closed 1Q14

OBAF –

Pending, expected close 3Q14

Cleveland

#14

2.1 Million

(#29 MSA)

PVFC -

Closed 4Q13

Cleveland

MSA

Pittsburgh

MSA

Baltimore

MSA

Current FNB Locations

OBAF Locations

MSA

Market

Share

-

Proven

Success,

Opportunity

For

Growth

16

Source:  SNL Financial, deposit data as of June 30, 2013, pro-forma as of April 30, 2014, excludes custodial bank (Pittsburgh MSA and Washington DC MSA).

All Other MSAs represent MSA’s with FNB presence excluding Pittsburgh, Cleveland and Baltimore MSAs.

Established

MSA

Markets

–

Proven

Success,

Leading

Share

Position

Achieved

Recent

Expansion

MSA

Markets

–

Opportunity

for

Growth

Pittsburgh, PA MSA

Rank

Institution

Total Deposits

($000)

Market

Share (%)

1

PNC Financial Services Group Inc.

46,290,008

56.1%

2

Royal Bank of Scotland Group Plc

7,129,530

8.6%

3

F.N.B. Corp.

3,835,905

4.6%

4

Dollar Bank Federal Savings Bank

3,556,646

4.3%

5

First Niagara Financial Group Inc.

2,762,262

3.3%

6

Huntington Bancshares Inc.

2,512,422

3.0%

7

First Commonwealth

2,465,101

3.0%

8

TriState Capital Holdings Inc.

1,940,243

2.4%

9

S&T Bancorp Inc.

1,674,394

2.0%

10

Northwest Bancshares Inc.

1,045,914

1.3%

All Other FNB MSAs

Rank

Institution

Total Deposits

($000)

Market

Share (%)

1

Wells Fargo & Co.

28,625,288

11.5%

2

Capital One Financial Corp.

21,808,231

8.8%

3

PNC Financial Services Group Inc.

21,451,640

8.6%

4

Bank of America Corp.

21,178,566

8.5%

5

SunTrust Banks Inc.

16,558,202

6.7%

6

BB&T Corp.

13,395,183

5.4%

7

M&T Bank Corp.

11,277,819

4.5%

8

Citigroup Inc.

6,617,764

2.7%

9

F.N.B. Corp.

5,400,417

2.2%

10

United Bankshares Inc.

4,538,141

1.8%

Baltimore -

Towson, MD MSA

Rank

Institution

Total Deposits

($000)

Market

Share (%)

1

Bank of America Corp.

16,059,885

25.4%

2

M&T Bank Corp.

14,128,448

22.3%

3

PNC Financial Services Group Inc.

6,716,296

10.6%

4

Wells Fargo & Co.

6,049,235

9.6%

5

BB&T Corp.

3,883,370

6.1%

6

SunTrust Banks Inc.

2,046,469

3.2%

7

First Mariner Bancorp

1,093,935

1.7%

8

Susquehanna Bancshares Inc.

1,082,184

1.7%

9

Capital One Financial Corp.

976,373

1.5%

10

F.N.B. Corp.

965,219

1.5%

Cleveland-Elyria-Mentor, OH MSA

Rank

Institution

Total Deposits

($000)

Market

Share (%)

1

KeyCorp

11,363,682

21.9%

2

PNC Financial Services Group Inc.

6,331,873

12.2%

3

TFS Financial Corp. (MHC)

5,425,587

10.4%

4

Huntington Bancshares Inc.

4,261,126

8.2%

5

Royal Bank of Scotland Group Plc

4,104,874

7.9%

6

FirstMerit Corp.

3,469,571

6.7%

7

Fifth Third Bancorp

3,384,743

6.5%

8

JPMorgan Chase & Co.

2,893,731

5.6%

9

U.S. Bancorp

2,032,321

3.9%

10

Dollar Bank Federal Savings Bank

1,701,264

3.3%

14

F.N.B. Corp.

623,947

1.2%

Significant Commercial Prospects

17

Note: Above metrics at the MSA and County level

(1)

Data per U.S. Census Bureau, and does not include total businesses related to pending OBAF acquisition

(2)

Data per Hoover’s as of May 2, 2014

(3)

Montgomery County, Maryland, presented as potential prospects related to pending OBAF acquisition expansion

Significant

Commercial

Prospects

Concentrated

in

Pittsburgh,

Maryland

&

Cleveland

Opportunity

to

Leverage

Core

Competency

and

Drive

Sustained

Organic

Growth

(1)

(2)

Strong Concentration of Commercial Prospects In

Metro Expansion Markets

Over 175,000 Total Businesses

(1)

(3)

1,882

1,993

2,090

8,867

9,674

10,340

4,584

12,851

13,345

13,410

52,149

59,240

65,169

Youngstown, OH

MSA

Scranton, PA

MSA

Harrisburg, PA

MSA

Cleveland, OH

MSA

Pittsburgh, PA

MSA

Baltimore, MD

MSA

Montgomery

County, MD

# of Business with Revenue >$1M

Total Businesses

Disciplined

Acquisition

Strategy

–

Platform

for

Organic

Growth

18

Disciplined and Consistent Acquisition Strategy

Strategy

Disciplined identification and focus on markets that offer

potential to leverage core competencies and growth

opportunities

Criteria

Create shareholder value

Meet strategic vision

Fit culturally

Evaluation

Targeted financial and capital recoupment hurdles

Proficient and experienced due diligence team

Extensive and detailed due diligence process

Execution

Superior post-acquisition execution

Execute FNB’s proven, scalable, business model

Proven success assimilating FNB’s strong sales culture

13th bank acquisition announced since 2002 (OBAF)

Fifth consecutive acquisition in a major MSA

Five acquisitions completed since 2010

Ten acquisitions completed since 2005

Execution

Strategy

Criteria

Evaluation

Experienced Acquirer

Expanded Franchise = Enhanced Organic Growth Prospects

19

Note: Market population and market businesses represent current metrics based on respective FNB MSA presence

Data per FNB, SNL Financial and/or U.S. Census Bureau (Businesses)

Acquisition-

Related

Expansion in

Higher Growth

Markets

Enhances

Organic Growth

Opportunities

In Millions

159

289

2007

1Q14 Pro

-Forma

FNB Branches

27

57

2007

1Q14 Pro

-Forma

FNB Counties of Operation

7.4

12.6

2007

1Q14 Pro

-Forma

FNB Markets Population

(MSA)

3.0

5.0

2007

1Q14 Pro

-Forma

FNB Markets Households

(MSA)

FNB

Maryland

Acquisitions

–

Platform

For

Growth

In

Place

20

FNB Maryland

Acquisition History

Announce

Completion

Assets

Loans

Deposits

Branches

Credit Mark

Cost Savings

OBAF

4/2014

3Q14

0.4

$         

0.3

$         

0.3

$         

6

1.3

x

3%

40%

BCSB

6/2013

2/2014

0.6

$         

0.3

$         

0.5

$         

16

1.4

x

6%

25%

ANNB

10/2012

4/2013

0.4

$         

0.3

$         

0.4

$         

8

1.6

x

6%

30%

FNB Regional HQ

3/2014

1

Total Scale

1.4

$         

0.9

$         

1.2

$         

31

Average P/TBV, Credit Mark, Cost Savings

1.4

x

5%

32%

Dates

Scale

(1)

Pricing/Credit Marks/Cost Savings

(2)

P/TBV

($ in billions)

(1)

As

of

close

for

completed

acquisitions

,

announce

date

for

pending

acquisition;

(2)

As

of

announce

date

FNB’s Expanding Maryland Presence Continues to Strengthen

Solid

platform

for

growth

established

in

under

one

year

Top 10 deposit market share

Cost effective, lower-risk acquisitions

Attractively priced at an average of 1.4x TBV

Solid,

performing

acquired

portfolios

-

average

credit mark of 5%

Established presence enables realization of cost savings

Steady pace of acquisitions has allowed time to build strong,

in-market leadership and team

Leverages FNB’s experienced integration team

FNB Maryland Presence

Current FNB Locations

OBAF Locations