Bank Comparison
Wells Fargo Bank, N.A. vs PNC Bank, N.A.
Wells's national branch network versus PNC's super-regional consolidation play.
vs
17 · 7
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Wells Fargo Bank, N.A. | PNC Bank, N.A. |
|---|---|---|
| CET1 Ratio | 12.58% | 11.63% |
| Tier 1 Capital Ratio | 12.58% | 11.63% |
| Total Capital Ratio | 14.06% | 13.34% |
| Tier 1 Leverage Ratio | 8.40% | 9.39% |
| Equity / Assets | 9.34% | 10.47% |
Profitability
| Metric | Wells Fargo Bank, N.A. | PNC Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.31% | 1.32% |
| Return on Equity (ROE) | 13.75% | 12.59% |
| Net Interest Margin (NIM) | 3.09% | 3.05% |
| Yield on Earning Assets | 4.58% | 4.72% |
| Cost of Funds | 1.59% | 1.75% |
Asset quality
| Metric | Wells Fargo Bank, N.A. | PNC Bank, N.A. |
|---|---|---|
| Texas Ratio | 9.20% | 10.77% |
| Non-Performing Loan Ratio | 1.16% | 1.51% |
| Non-Performing Asset Ratio | 0.64% | 0.93% |
| Net Charge-Off Ratio | 0.49% | 0.25% |
| ACL / Loans | 1.41% | 1.27% |
Balance sheet
| Metric | Wells Fargo Bank, N.A. | PNC Bank, N.A. |
|---|---|---|
| Total Assets | $1,852,239M | $567,948M |
| Total Deposits | $1,516,982M | $441,507M |
| Total Loans | $985,437M | $346,787M |
| Total Equity | $173,016M | $59,440M |
| Net Income (quarter) | $5,961M | $1,870M |
Liquidity & funding
| Metric | Wells Fargo Bank, N.A. | PNC Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 64.96% | 78.55% |
| Core Deposit Ratio | 95.78% | 97.69% |
| Uninsured Deposit Ratio | 47.71% | 45.20% |
Identity
| Metric | Wells Fargo Bank, N.A. | PNC Bank, N.A. |
|---|---|---|
| Headquarters City | SIOUX FALLS | WILMINGTON |
| Headquarters State | SD | DE |
| Asset Tier | National | National |
| Charter Class | 15660 | 1316 |
| Regulator | OCC | OCC |
| Domestic Branches | 4,214 | 2,319 |
| Employees (FTE) | 179,673 | 57,168 |
| Established | Jan. 1, 1852, 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 Wells Fargo Bank, N.A. profile | View full PNC Bank, N.A. profile | Browse all bank comparisons