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PNC Bank, National Association

Wilmington, DelawareFDIC Cert #6384

OCCEstablished 18042,326 branches

Holding company: PNC FINL SERVICES GROUP INCRegulator: OCC

FDICCERT + OFFDOM

What's happening here

As of Q1 2026FDICCall Report

PNC Bank, National Association reported $568B in total assets. Deposits grew 2.79% over the prior year.

Return on assets was 1.32%, compared with the official FFIEC UBPR peer median of 1.12%. The leverage ratio was 9.39%.

  • Why is Return on Assets above its official FFIEC UBPR peers?
  • Why is Deposit Growth, Year over Year below its official FFIEC UBPR peers?
  • Why is Net Loan Growth, Year over Year below its official FFIEC UBPR peers?

Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.

Latest reported quarter

Key metrics

Assets
$568B
+3.4%y/y
Percentile by value79th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICASSET
Deposits
$442B
+2.8%y/y
Percentile by value79th percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICDEP
Net loans
$342B
+8.5%y/y
Percentile by value82nd percentileby value
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICLNLSNET
ROA
1.32%
+15 bpsy/y
Peer standing89th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICNETINC + ROA
Efficiency
57.19%
−210 bpsy/y
Peer standing36th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICNONIX + NIM + NONII + EEFFR
Leverage
9.39%
+24 bpsy/y
Peer standing39th percentile
Peer standing in FFIEC UBPR Peer Group 1 — Insured commercial banks having assets greater than $100 billion
FDICRBC1AAJ

Percentiles compare this bank with 29 ffiec ubpr peer group 1 — insured commercial banks having assets greater than $100 billion.

Side-by-side comparison

PNC Bank, National Association beside its official FFIEC UBPR peers

The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.

FFIEC + FDICUBPR membership + Call Report metrics
ROA

This bank

1.32%

Registry median

1.12%
ROE

This bank

12.59%

FFIEC trimmed average

11.36%
NIM

This bank

3.09%

Registry median

3.09%
Loans YoY

This bank

+8.49%

FFIEC trimmed average

+13.44%
Leverage

This bank

9.39%

FFIEC trimmed average

9.29%

FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.

FDICCall Report

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$454B$375B
Q3 2021$462B$381B
Q4 2021$552B$464B
Q1 2022$535B$454B
Q2 2022$534B$447B
Q3 2022$553B$444B
Q4 2022$552B$442B
Q1 2023$556B$447B
Q2 2023$554B$435B
Q3 2023$553B$431B
Q4 2023$557B$429B
Q1 2024$562B$432B
Q2 2024$553B$423B
Q3 2024$560B$430B
Q4 2024$556B$434B
Q1 2025$549B$430B
Q2 2025$555B$433B
Q3 2025$564B$440B
Q4 2025$568B$451B
Q1 2026$568B$442B

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$8.96B
Investor CRE$13.2B
Multifamily$13.6B
Construction$3.64B
1–4 family$69.3B
C&I$111B
Agriculture$477M
Other$126B

FFIEC UBPR comparison

How this bank compares

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
89th percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.80%Median 1.12%90th 1.34%Observations 29
ROE
FDICNETINC + ROE
63rd percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 7.28%Median 11.72%90th 16.79%Observations 29
NIM
FDICNIM + NIMY
50th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 1.67%Median 3.09%90th 3.74%Observations 29
Efficiency
FDICNONIX + NIM + NONII + EEFFR
36th percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 34.88%Median 55.49%90th 68.00%Observations 29
Deposits YoY
FDICDEP
40th percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −1.82%Median +5.99%90th +35.23%Observations 29
Loans YoY
FDICLNLSNET
50th percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th +1.41%Median +8.49%90th +43.22%Observations 29
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
50th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.19%Median 0.89%90th 1.45%Observations 29
Leverage
FDICRBC1AAJ
40th percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 6.94%Median 9.58%90th 11.19%Observations 29

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
68th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 2.11%Median 2.78%90th 4.85%Observations 29
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
43rd percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 14%Median 55%90th 103%Observations 29

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.

Branches & markets

Physical footprint

Domestic offices
2,326 branches
Headquarters
Wilmington, DE
FDICOFFDOMOpen the Delaware dashboard →

History

Institution established

Filings

Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data