PNC Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Other borrowed money climbed 43.3% in Q2 2026, from $47.97B to $68.74B. It was the largest change from Q1 2026 among the key lines here. Within Delaware, PNC Bank, N.A. is 7th of 17 on loan-to-deposit ratio, 80.72% as of Q2 2026, above the middle of the field. The median for banks in the >= $250B asset tier is 61.69% on loan-to-deposit ratio. PNC Bank, N.A. sits 19.03 points higher, at 80.72% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $28.72B |
| Cash and noninterest-bearing balances to assets | 4.71% |
| Cash and securities | $179.40B |
| Fed funds sold and reverse repos | $2.19B |
| Fed funds sold and reverse repos to assets | 0.36% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $995.5M |
| Other borrowed money | $68.74B |
| Subordinated notes and debentures | $3.41B |
| Other borrowed money to assets | 11.27% |
| Trading liabilities | $3.14B |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.72% |
| Net loans and leases to deposits | 79.70% |
| Loans and leases to core deposits | 82.69% |
| Core deposits to total deposits | 97.17% |
| Brokered deposits to total deposits | 0.45% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 74.07% | 96.19% | $816.0M | $52.93B |
| Q4 2023 | 75.12% | 95.65% | $1.13B | $58.11B |
| Q1 2024 | 74.15% | 95.54% | $1.05B | $59.04B |
| Q2 2024 | 76.18% | 95.39% | $897.7M | $58.00B |
| Q3 2024 | 74.86% | 95.36% | $1.24B | $54.48B |
| Q4 2024 | 73.19% | 96.10% | $1.07B | $47.26B |
| Q1 2025 | 74.53% | 96.42% | $1.46B | $45.54B |
| Q2 2025 | 75.79% | 95.86% | $1.34B | $46.80B |
| Q3 2025 | 74.54% | 95.74% | $1.53B | $46.99B |
| Q4 2025 | 73.99% | 96.56% | $1.46B | $40.76B |
| Q1 2026 | 78.55% | 97.26% | $1.13B | $47.97B |
| Q2 2026 | 80.72% | 97.17% | $995.5M | $68.74B |
PNC Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock PNC Bank, N.A., freeSource: Call Report Schedules RC and RC-M, 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)