PNC Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Common stock surplus: 11.5% higher than in Q1 2026, at $43.66B. On CET1 ratio, PNC Bank, N.A. is 1st from the bottom among 14 Delaware banks, 11.20% (Q2 2026). PNC Bank, N.A. reported 11.20% on CET1 ratio for Q2 2026, 3.93 points below the 15.13% median for banks in the >= $250B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.20% |
| Tier 1 risk-based capital ratio | 11.20% |
| Total risk-based capital ratio | 12.82% |
| Tier 1 leverage ratio | 8.98% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $53.52B |
| Tier 1 capital | $53.52B |
| Total risk-based capital | $61.30B |
| Total equity capital | $63.18B |
| Risk-weighted assets | $478.11B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.36% |
| Tangible equity to tangible assets | 8.24% |
| Equity capital to average assets | 10.35% |
| Internal capital growth rate | -2.80% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $240.1M |
| Common stock surplus | $43.66B |
| Retained earnings | $23.40B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.12B |
| Subordinated notes and debentures | $3.41B |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.21% | 11.21% | 12.86% | 8.63% | $419.53B |
| Q4 2023 | 11.30% | 11.30% | 12.94% | 8.56% | $418.32B |
| Q1 2024 | 11.47% | 11.47% | 13.17% | 8.61% | $414.17B |
| Q2 2024 | 11.55% | 11.55% | 13.20% | 8.71% | $416.08B |
| Q3 2024 | 11.68% | 11.68% | 13.26% | 8.75% | $416.52B |
| Q4 2024 | 11.85% | 11.85% | 13.36% | 8.94% | $416.05B |
| Q1 2025 | 11.92% | 11.92% | 13.48% | 9.15% | $416.87B |
| Q2 2025 | 11.86% | 11.86% | 13.41% | 9.21% | $425.08B |
| Q3 2025 | 11.96% | 11.96% | 13.45% | 9.17% | $426.74B |
| Q4 2025 | 11.91% | 11.91% | 13.32% | 9.27% | $436.03B |
| Q1 2026 | 11.63% | 11.63% | 13.34% | 9.39% | $449.71B |
| Q2 2026 | 11.20% | 11.20% | 12.82% | 8.98% | $478.11B |
PNC Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock PNC Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full PNC Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6384) · FFIEC NIC profile (RSSD 817824)