Exhibit 12.1

F.N.B. CORPORATION

COMPUTATIONS OF CONSOLIDATED RATIOS OF EARNINGS TO FIXED CHARGES

(Dollars in thousands)

	Three Months Ended March 31,						Year Ended December 31,
	2018			2017			2017			2016			2015			2014			2013
Earnings:
Income before income taxes	$	108,030		$	29,463		$	356,269		$	246,388		$	229,642		$	206,670		$	162,560
Fixed charges, excluding interest on deposits		25,621			14,668			86,407			44,810			34,330			29,921			18,384
Less: Preferred stock dividends		(2,503	)		(2,577	)		(14,381	)		(11,593	)		(11,566	)		(11,983	)		—
Subtotal		131,148			41,554			428,295			279,605			252,406			224,608			180,944
Interest on deposits		26,469			11,740			71,582			41,239			31,207			29,602			29,441
Total	$	157,617		$	53,294		$	499,877		$	320,844		$	283,613		$	254,210		$	210,385
Fixed charges:
Interest on borrowed funds	$	20,353		$	10,201		$	62,310		$	26,212		$	17,366		$	13,083		$	14,903
Interest component of rental expense		2,765			1,890			9,716			7,005			5,398			4,855			3,481
Preferred stock dividends		2,503			2,577			14,381			11,593			11,566			11,983			—
Subtotal		25,621			14,668			86,407			44,810			34,330			29,921			18,384
Interest on deposits		26,469			11,740			71,582			41,239			31,207			29,602			29,441
Total	$	52,090		$	26,408		$	157,989		$	86,049		$	65,537		$	59,523		$	47,825
Ratio of earnings to fixed charges:
Excluding interest on deposits		5.56	x		3.22	x		5.75	x		8.07	x		10.58	x		11.85	x		9.84	x
Including interest on deposits		3.13	x		2.13	x		3.38	x		4.15	x		5.04	x		5.10	x		4.40	x
Ratio of earnings to fixed charges and preferred stock dividends:
Excluding interest on deposits		5.12	x		2.83	x		4.96	x		6.24	x		7.35	x		7.51	x		9.84	x
Including interest on deposits		3.03	x		2.02	x		3.16	x		3.73	x		4.33	x		4.27	x		4.40	x