Bank Comparison
PNC Bank, N.A. vs JPMorgan Chase Bank, N.A.
Largest US bank versus largest super-regional.
vs
8 · 16
winning metrics across 24 comparable rows
Capital adequacy
| Metric | PNC Bank, N.A. | JPMorgan Chase Bank, N.A. |
|---|---|---|
| CET1 Ratio | 11.63% | 15.08% |
| Tier 1 Capital Ratio | 11.63% | 15.08% |
| Total Capital Ratio | 13.34% | 16.25% |
| Tier 1 Leverage Ratio | 9.39% | 7.63% |
| Equity / Assets | 10.47% | 8.36% |
Profitability
| Metric | PNC Bank, N.A. | JPMorgan Chase Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.32% | 1.43% |
| Return on Equity (ROE) | 12.59% | 16.64% |
| Net Interest Margin (NIM) | 3.05% | 2.80% |
| Yield on Earning Assets | 4.72% | 4.62% |
| Cost of Funds | 1.75% | 2.05% |
Asset quality
| Metric | PNC Bank, N.A. | JPMorgan Chase Bank, N.A. |
|---|---|---|
| Texas Ratio | 10.77% | 5.37% |
| Non-Performing Loan Ratio | 1.51% | 0.91% |
| Non-Performing Asset Ratio | 0.93% | 0.35% |
| Net Charge-Off Ratio | 0.25% | 0.70% |
| ACL / Loans | 1.27% | 1.69% |
Balance sheet
| Metric | PNC Bank, N.A. | JPMorgan Chase Bank, N.A. |
|---|---|---|
| Total Assets | $567,948M | $4,016,571M |
| Total Deposits | $441,507M | $2,787,994M |
| Total Loans | $346,787M | $1,519,711M |
| Total Equity | $59,440M | $335,931M |
| Net Income (quarter) | $1,870M | $13,974M |
Liquidity & funding
| Metric | PNC Bank, N.A. | JPMorgan Chase Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 78.55% | 54.51% |
| Core Deposit Ratio | 97.69% | 72.03% |
| Uninsured Deposit Ratio | 45.20% | 46.20% |
Identity
| Metric | PNC Bank, N.A. | JPMorgan Chase Bank, N.A. |
|---|---|---|
| Headquarters City | WILMINGTON | COLUMBUS |
| Headquarters State | DE | OH |
| Asset Tier | National | National |
| Charter Class | 1316 | 8 |
| Regulator | OCC | OCC |
| Domestic Branches | 2,319 | 5,342 |
| Employees (FTE) | 57,168 | 227,258 |
| Established | Jan. 1, 1804, midnight | Jan. 1, 1824, midnight |
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 . 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.
View full PNC Bank, N.A. profile | View full JPMorgan Chase Bank, N.A. profile | Browse all bank comparisons