Bank Comparison
PNC Bank, N.A. vs Truist Bank
PNC versus the BB&T/SunTrust merger result.
vs
11 · 13
winning metrics across 24 comparable rows
Capital adequacy
| Metric | PNC Bank, N.A. | Truist Bank |
|---|---|---|
| CET1 Ratio | 11.63% | 11.93% |
| Tier 1 Capital Ratio | 11.63% | 11.93% |
| Total Capital Ratio | 13.34% | 13.43% |
| Tier 1 Leverage Ratio | 9.39% | 9.89% |
| Equity / Assets | 10.47% | 11.66% |
Profitability
| Metric | PNC Bank, N.A. | Truist Bank |
|---|---|---|
| Return on Assets (ROA) | 1.32% | 1.16% |
| Return on Equity (ROE) | 12.59% | 9.96% |
| Net Interest Margin (NIM) | 3.05% | 3.11% |
| Yield on Earning Assets | 4.72% | 4.83% |
| Cost of Funds | 1.75% | 1.78% |
Asset quality
| Metric | PNC Bank, N.A. | Truist Bank |
|---|---|---|
| Texas Ratio | 10.77% | 10.09% |
| Non-Performing Loan Ratio | 1.51% | 1.29% |
| Non-Performing Asset Ratio | 0.93% | 0.79% |
| Net Charge-Off Ratio | 0.25% | 0.60% |
| ACL / Loans | 1.27% | 1.52% |
Balance sheet
| Metric | PNC Bank, N.A. | Truist Bank |
|---|---|---|
| Total Assets | $567,948M | $541,180M |
| Total Deposits | $441,507M | $413,574M |
| Total Loans | $346,787M | $331,267M |
| Total Equity | $59,440M | $63,082M |
| Net Income (quarter) | $1,870M | $1,573M |
Liquidity & funding
| Metric | PNC Bank, N.A. | Truist Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 78.55% | 80.10% |
| Core Deposit Ratio | 97.69% | 96.50% |
| Uninsured Deposit Ratio | 45.20% | 43.61% |
Identity
| Metric | PNC Bank, N.A. | Truist Bank |
|---|---|---|
| Headquarters City | WILMINGTON | CHARLOTTE |
| Headquarters State | DE | NC |
| Asset Tier | National | National |
| Charter Class | 1316 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 2,319 | 1,931 |
| Employees (FTE) | 57,168 | 35,820 |
| Established | Jan. 1, 1804, midnight | Jan. 1, 1872, 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 Truist Bank profile | Browse all bank comparisons