Bank Comparison
U.S. Bank N.A. vs PNC Bank, N.A.
The two largest super-regional banks below the G-SIB tier.
vs
14 · 10
winning metrics across 24 comparable rows
Capital adequacy
| Metric | U.S. Bank N.A. | PNC Bank, N.A. |
|---|---|---|
| CET1 Ratio | 12.88% | 11.63% |
| Tier 1 Capital Ratio | 12.97% | 11.63% |
| Total Capital Ratio | 14.96% | 13.34% |
| Tier 1 Leverage Ratio | 9.40% | 9.39% |
| Equity / Assets | 9.95% | 10.47% |
Profitability
| Metric | U.S. Bank N.A. | PNC Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.18% | 1.32% |
| Return on Equity (ROE) | 11.72% | 12.59% |
| Net Interest Margin (NIM) | 2.84% | 3.05% |
| Yield on Earning Assets | 4.76% | 4.72% |
| Cost of Funds | 2.01% | 1.75% |
Asset quality
| Metric | U.S. Bank N.A. | PNC Bank, N.A. |
|---|---|---|
| Texas Ratio | 15.02% | 10.77% |
| Non-Performing Loan Ratio | 1.00% | 1.51% |
| Non-Performing Asset Ratio | 0.59% | 0.93% |
| Net Charge-Off Ratio | 0.56% | 0.25% |
| ACL / Loans | 1.90% | 1.27% |
Balance sheet
| Metric | U.S. Bank N.A. | PNC Bank, N.A. |
|---|---|---|
| Total Assets | $683,379M | $567,948M |
| Total Deposits | $539,835M | $441,507M |
| Total Loans | $402,723M | $346,787M |
| Total Equity | $67,968M | $59,440M |
| Net Income (quarter) | $1,991M | $1,870M |
Liquidity & funding
| Metric | U.S. Bank N.A. | PNC Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 74.60% | 78.55% |
| Core Deposit Ratio | 96.67% | 97.69% |
| Uninsured Deposit Ratio | 51.80% | 45.20% |
Identity
| Metric | U.S. Bank N.A. | PNC Bank, N.A. |
|---|---|---|
| Headquarters City | CINCINNATI | WILMINGTON |
| Headquarters State | OH | DE |
| Asset Tier | National | National |
| Charter Class | 24 | 1316 |
| Regulator | OCC | OCC |
| Domestic Branches | 2,098 | 2,319 |
| Employees (FTE) | 65,495 | 57,168 |
| Established | July 13, 1863, midnight | Jan. 1, 1804, 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 U.S. Bank N.A. profile | View full PNC Bank, N.A. profile | Browse all bank comparisons