PNC Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
PNC Bank, N.A. is an FDIC-insured commercial bank headquartered in Wilmington, DE, established in 1804 (FDIC certificate 6384), and it is supervised by the OCC. At Q2 2026 it reported total assets of $609.77B, up 10.0% from Q2 2025, the largest of 16 banks headquartered in Delaware. Its CET1 capital ratio was 11.20% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6384
- Headquarters
- Wilmington, DE
- Established
- 1804
- Total assets, Q2 2026
- $609.77B
- Assets vs Q2 2025
- +10.0%
- CET1 ratio, Q2 2026
- 11.20%
- Domestic offices
- 2,413 FDIC institution directory, current count
- Routing number
- 043000096
- Latest call report
- Q2 2026, FFIEC 031 · PNC Bank, N.A. call report
- Holding company
- PNC BANCORP, INC.
- Asset rank in state
- 1st of 16 in Delaware
PNC Bank, N.A. is the 8th-largest bank in the United States, with $609.8 billion in assets at June 30, 2026, up 10.0% from a year earlier. It is headquartered in Wilmington, Delaware, and operates 2,413 domestic branches. It holds common equity equal to 11.20% of its risk-weighted assets, lower than about 9 in 10 of the 18 US banks with $250 billion or more in assets (median 13.63%). It also holds commercial real estate loans worth 0.9 times its capital, higher than about 9 in 10 banks its size (median 0.6 times).
Net income for the quarter rose 22% from a year earlier, to $2.1 billion. Over the same year, loans grew 12.6% and deposits grew 5.7%. Costs are the weak spot: it spends about 61 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 54 cents).
As of June 30, 2026, PNC Bank, N.A. reported a CET1 capital ratio of 11.20%, a return on assets of 1.37%, a nonperforming-loan ratio of 0.74% and a Texas ratio of 4.72%. The figures come from its call report filed with the FFIEC.
Of the 16 banks headquartered in Delaware, PNC Bank, N.A. is the largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 7.4% to $609.77B, loans rose 6.6% and deposits rose 3.7%. Commercial and industrial loans made up 31.5% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 20.6%. By the capital ratios in its Q2 2026 call report, PNC Bank, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 222 Delaware Ave, Wilmington, DE 19801
- County
- New Castle
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1804
- Former names
- Midlantic Bank, National Association (1994-1996); Midlantic National Bank (1973-1994); National Newark & Essex Bank (1966-1973)
- Domestic offices
- 2,413 FDIC institution directory, current count
- Employees (FTE)
- 56,903
- Domestic deposits
- $457.09B
- Allowance for credit losses
- $4.65B
- Net charge-offs (YTD)
- $433.9M
- Average total assets
- $610.16B
- Average total loans
- $357.48B
- Average interest-bearing deposits
- $350.09B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6384
- Fed RSSD
- 817824
- SEC CIK
- 713676 → filed by PNC FINANCIAL SERVICES GROUP, INC., THE
- Website
- www.pnc.com →
- Parent Holding Company
- PNC BANCORP, INC. (RSSD 1469314)
- Ultimate Parent
- PNC FINANCIAL SERVICES GROUP, INC., THE (RSSD 1069778)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| William S Demchak | CEO | CEO |
| Mark Wiedman | PRES | President |
| Gregory B. Jordan | GC | General Counsel and CAO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
PNC Bank, N.A.'s total assets moved between a low of $549.32B (Q1 2025) and a high of $609.77B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$609.77B total assets against $554.57B; $546.58B total liabilities against $497.91B.
$364.86B net loans and leases against $323.67B; $457.80B total deposits against $433.05B.
$150.69B securities against $142.89B; $28.72B cash and balances due against $30.38B.
$6.99B total interest income against $6.24B; $2.45B total interest expense against $2.51B.
$4.53B net interest income against $3.72B.
$2.17B total noninterest income against $1.91B; $4.17B total noninterest expense against $3.24B.
$184.7M provision for credit losses against $253.6M.
$2.08B net income against $1.71B.
1.37% return on assets against 1.22%; 3.29% net interest margin against 2.95%.
11.20% CET1 capital ratio against 11.86%; 8.98% tier 1 leverage ratio against 9.21%.
Inside the full PNC Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePNC Bank, N.A. rankings
Its closest position to the top of a national ranking is 8 of 4,196, for total assets; its furthest is 1,909 of 2,134, for CET1 ratio.
Metric pages for PNC Bank, N.A.: Uninsured deposits.
Banks merged into PNC Bank, N.A.
- FirstBank, effective June 19, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.09% (Q3 2024) to 1.45% (Q4 2025) and its net interest margin ran from 2.83% (Q3 2024) to 3.29% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.20% | 1.37% | 0.74% | 4.72% | 3.29% |
| Q1 2026 | 11.63% | 1.32% | 0.83% | 4.98% | 3.05% |
| Q4 2025 | 11.91% | 1.45% | 0.89% | 5.17% | 3.04% |
| Q3 2025 | 11.96% | 1.31% | 0.84% | 5.00% | 2.98% |
| Q2 2025 | 11.86% | 1.22% | 0.84% | 5.13% | 2.95% |
| Q1 2025 | 11.92% | 1.16% | 0.94% | 5.74% | 2.93% |
| Q4 2024 | 11.85% | 1.18% | 1.04% | 6.54% | 2.91% |
| Q3 2024 | 11.68% | 1.09% | 1.09% | 6.87% | 2.83% |
Swipe the table sideways to see every column.
Branch Network
View all 2,401 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 3 Pnc Branch | Pittsburgh , PA | 15222 | $70.02B |
| East Brunswick Branch | East Brunswick , NJ | 08816 | $14.77B |
| 1600 Market Street Branch | Philadelphia , PA | 19103 | $8.46B |
| Plaza Branch | Indianapolis , IN | 46204 | $7.04B |
| Big-Beaver1 - 75 Branch | Troy , MI | 48084 | $6.96B |
| Euclid-9th Branch | Cleveland , OH | 44114 | $5.14B |
| Pnc Place Branch | Washington , DC | 20006 | $4.74B |
| One Federal Place Branch | Birmingham , AL | 35203 | $4.72B |
| Datura Branch | West Palm Beach , FL | 33401 | $4.54B |
| Clarendon Hills Branch | Clarendon Hills , IL | 60514 | $4.14B |
| One North Franklin Branch | Chicago , IL | 60606 | $4.12B |
| Pnc Harborside Branch | Baltimore , MD | 21202 | $3.91B |
| Columbus Plaza Branch | Columbus , OH | 43215 | $3.87B |
| Highland Village Branch | Houston , TX | 77027 | $3.77B |
| 32nd Street Branch | Camp Hill , PA | 17011 | $3.64B |
| Louisville Main Branch | Louisville , KY | 40202 | $3.38B |
| DirectHomePhoneInternet Branch | Pittsburgh , PA | 15219 | $3.00B |
| Plaza Branch | Raleigh , NC | 27601 | $2.84B |
| South Park Branch | Charlotte , NC | 28211 | $2.55B |
| 16th Street Mall Branch | Denver , CO | 80202 | $2.24B |
| 1511 Walnut Street Branch | Philadelphia , PA | 19102 | $1.98B |
| Robinson Towne Center Branch | Pittsburgh , PA | 15205 | $1.97B |
| Fifth Avenue Place Branch | Pittsburgh , PA | 15222 | $1.93B |
| Cyntergy-Midtown Branch | Atlanta , GA | 30308 | $1.91B |
| Seventh and Vine Branch | Cincinnati , OH | 45202 | $1.84B |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 19, 2026 | M&A | Acquired FirstBank merger for the acquired bank | SEC |
| June 19, 2026 | Structure Change | Acquired FirstBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 18, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2022 | Structure Change | Acquired PNC Equipment Finance, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2022 | M&A | Acquired PNC Equipment Finance, LLC merger for the acquired bank | SEC |
| October 9, 2021 | M&A | Acquired BBVA USA merger for the acquired bank | SEC |
| October 9, 2021 | Structure Change | Acquired BBVA USA Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 8, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 4, 2012 | Structure Change | Acquired PNC Mortgage Services, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 4, 2012 | M&A | Acquired PNC Mortgage Services, Inc. merger for the acquired bank | SEC |
| March 3, 2012 | M&A | Acquired RBC Bank (USA) merger for the acquired bank | SEC |
| March 3, 2012 | Structure Change | Acquired RBC Bank (USA) Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 2, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2011 | M&A | Acquired Midland Loan Services, Inc. merger for the acquired bank | SEC |
| January 1, 2011 | Structure Change | Acquired Midland Loan Services, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 7, 2009 | M&A | Acquired National City Bank merger for the acquired bank | SEC |
| November 7, 2009 | Structure Change | Acquired National City Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 6, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 22, 2009 | M&A | Acquired PNC Bank, Delaware merger for the acquired bank | SEC |
| August 22, 2009 | Structure Change | Acquired PNC Bank, Delaware Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 21, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 15, 2009 | M&A | Acquired Dwelling House Savings and Loan Association failure_government_assistance_provided for the acquired bank | SEC |
| August 15, 2009 | Structure Change | Acquired Dwelling House Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 14, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 9, 2008 | Structure Change | Acquired Sterling Financial Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 9, 2008 | M&A | Acquired BLC Bank N.A. merger for the acquired bank | SEC |
| August 9, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 8, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 8, 2008 | Structure Change | Acquired The Yardville National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 8, 2008 | M&A | Acquired The Yardville National Bank merger for the acquired bank | SEC |
| March 7, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 15, 2007 | M&A | Acquired The Citizens National Bank merger for the acquired bank | SEC |
| September 15, 2007 | Structure Change | Acquired Mercantile Eastern Shore Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 33 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 11 against the institution (OCC); 34 against individuals associated with it
- July 18, 2022, OCC: Civil Money Penalty (CMP): PNC Bank, National Association
- May 1, 2018, OCC: Civil Money Penalty (CMP): PNC Bank, National Association
- October 6, 2014, OCC: C&D or PC&D Requiring Restitution: PNC Bank, National Association
- October 6, 2014, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): PNC Bank, National Association
- October 6, 2014, OCC: Civil Money Penalty (CMP): PNC Bank, National Association
- Period: Most recent institution action July 18, 2022. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.0% of deposits in DE, rank 7 of 31 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 131,510 applications, 61,280 loans originated, $18.88B originated, across 52 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 314 loans, $91.3M approved, $291K average. 0.32% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about PNC Bank, N.A.
What are PNC Bank, N.A.'s total assets?
As of the Q2 2026 filing, PNC Bank, N.A. reported total assets of $609.77 billion in its FFIEC call report.
Where is PNC Bank, N.A. headquartered?
It is headquartered in Wilmington, DE, United States.
When was PNC Bank, N.A. founded?
It was established in 1804, per the FDIC institution directory.
Is PNC Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6384). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates PNC Bank, N.A.?
PNC Bank, N.A.'s primary federal regulator is the OCC.
What is PNC Bank, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.20% in its Q2 2026 call report, above regulatory requirements.
How many branches does PNC Bank, N.A. operate?
It operates 2,413 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is PNC Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 4.72% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was PNC Bank, N.A. previously called?
The charter now named PNC Bank, N.A. has also operated as Midlantic Bank, National Association (1994-1996), Midlantic National Bank (1973-1994), National Newark & Essex Bank (1966-1973), per FDIC structure-change records.
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