Bank Comparison
First-Citizens Bank & Trust Company vs PNC Bank, N.A.
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At Q2 2026, PNC Bank, N.A. is the larger bank, with $609.77B in total assets to First-Citizens Bank & Trust Company's $236.32B; First-Citizens Bank & Trust Company has the higher CET1 ratio (12.41% vs 11.20%) and PNC Bank, N.A. has the higher return on assets (1.37% vs 1.09%).
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6 · 11
winning metrics across 17 scored rows
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Capital adequacy
| Metric | First-Citizens Bank & Trust Company | PNC Bank, N.A. |
|---|---|---|
| CET1 Ratio | 12.41% | 11.20% |
| Tier 1 Capital Ratio | 12.41% | 11.20% |
| Total Capital Ratio | 13.34% | 12.82% |
| Tier 1 Leverage Ratio | 9.75% | 8.98% |
| Equity / Assets | 9.78% | 10.36% |
Profitability
| Metric | First-Citizens Bank & Trust Company | PNC Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.09% | 1.37% |
| Return on Equity (ROE) | 11.01% | 13.60% |
| Net Interest Margin (NIM) | 3.14% | 3.29% |
| Yield on Earning Assets | 5.30% | 5.06% |
| Cost of Funds | 2.28% | 1.89% |
Asset quality
| Metric | First-Citizens Bank & Trust Company | PNC Bank, N.A. |
|---|---|---|
| Texas Ratio | 7.42% | 4.72% |
| Non-Performing Loan Ratio | 1.12% | 0.74% |
| Non-Performing Asset Ratio | 0.77% | 0.46% |
| Net Charge-Off Ratio | 0.29% | 0.25% |
| ACL / Loans | 0.98% | 1.26% |
Balance sheet
| Metric | First-Citizens Bank & Trust Company | PNC Bank, N.A. |
|---|---|---|
| Total Assets | $236.32B | $609.77B |
| Total Deposits | $173.95B | $457.80B |
| Total Loans | $151.12B | $369.51B |
| Total Equity | $23.11B | $63.18B |
| Net Income (quarter) | $641.0M | $2.08B |
Liquidity & funding
| Metric | First-Citizens Bank & Trust Company | PNC Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 86.88% | 80.72% |
| Core Deposit Ratio | 91.75% | 97.17% |
| Uninsured Deposit Ratio | 37.40% | 44.76% |
Identity
| Metric | First-Citizens Bank & Trust Company | PNC Bank, N.A. |
|---|---|---|
| Headquarters City | Raleigh | Wilmington |
| Headquarters State | NC | DE |
| Asset Tier | $100B to $250B in assets | $250B or more in assets |
| Regulator | FDIC | OCC |
| Domestic Branches | 518 | 2,413 |
| Employees (FTE) | 18,010 | 56,903 |
| Established | January 1, 1898 | January 1, 1804 |
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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.
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