Bank Comparison
Capital One, N.A. vs PNC Bank, N.A.
BankRegReports is independent of Capital One, N.A. and PNC Bank, N.A. and never asks for online banking logins or passwords.
At Q2 2026, Capital One, N.A. is the larger bank, with $662.16B in total assets to PNC Bank, N.A.'s $609.77B; Capital One, N.A. has the higher CET1 ratio (13.21% vs 11.20%) and the higher return on assets (1.92% vs 1.37%).
vs
10 · 7
winning metrics across 17 scored rows
Compare a different pair
Search for a bank in each box, choose it from the list, then press Compare.
Capital adequacy
| Metric | Capital One, N.A. | PNC Bank, N.A. |
|---|---|---|
| CET1 Ratio | 13.21% | 11.20% |
| Tier 1 Capital Ratio | 13.21% | 11.20% |
| Total Capital Ratio | 14.88% | 12.82% |
| Tier 1 Leverage Ratio | 10.58% | 8.98% |
| Equity / Assets | 14.91% | 10.36% |
Profitability
| Metric | Capital One, N.A. | PNC Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.92% | 1.37% |
| Return on Equity (ROE) | 13.20% | 13.60% |
| Net Interest Margin (NIM) | 8.06% | 3.29% |
| Yield on Earning Assets | 10.57% | 5.06% |
| Cost of Funds | 2.88% | 1.89% |
Asset quality
| Metric | Capital One, N.A. | PNC Bank, N.A. |
|---|---|---|
| Texas Ratio | 8.50% | 4.72% |
| Non-Performing Loan Ratio | 1.49% | 0.74% |
| Non-Performing Asset Ratio | 1.05% | 0.46% |
| Net Charge-Off Ratio | 3.23% | 0.25% |
| ACL / Loans | 5.02% | 1.26% |
Balance sheet
| Metric | Capital One, N.A. | PNC Bank, N.A. |
|---|---|---|
| Total Assets | $662.16B | $609.77B |
| Total Deposits | $512.60B | $457.80B |
| Total Loans | $457.43B | $369.51B |
| Total Equity | $98.72B | $63.18B |
| Net Income (quarter) | $3.23B | $2.08B |
Liquidity & funding
| Metric | Capital One, N.A. | PNC Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 89.24% | 80.72% |
| Core Deposit Ratio | 93.26% | 97.17% |
| Uninsured Deposit Ratio | 20.82% | 44.76% |
Identity
| Metric | Capital One, N.A. | PNC Bank, N.A. |
|---|---|---|
| Headquarters City | McLean | Wilmington |
| Headquarters State | VA | DE |
| Asset Tier | $250B or more in assets | $250B or more in assets |
| Regulator | OCC | OCC |
| Domestic Branches | 249 | 2,413 |
| Employees (FTE) | 90,255 | 56,903 |
| Established | May 22, 1933 | January 1, 1804 |
Related bank comparisons
Capital One vs JPMorgan Chase Bank · Capital One vs Truist Bank · Capital One vs Synchrony Bank · Capital One vs American Express National Bank · The Northern Trust Company vs PNC Bank · Regions Bank vs PNC Bank · KeyBank N.A. vs PNC Bank · Wells Fargo Bank vs PNC Bank
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
View full Capital One, N.A. profile | View full PNC Bank, N.A. profile | Browse all bank comparisons