PNC Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 10.10 percentage points in Q2 2026, from 77.89% to 87.99%. It was the largest change from Q1 2026 among the key lines here. PNC Bank, N.A. ranks 7th of 17 Delaware banks on loan-to-deposit ratio, in the upper half at 80.72% (Q2 2026). PNC Bank, N.A. reported 80.72% on loan-to-deposit ratio for Q2 2026, 19.03 points above the 61.69% median for banks in the >= $250B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $369.51B |
| Net loans and leases | $364.86B |
| Loans held for sale | $1.52B |
| Loans to total assets | 60.60% |
| Loan-to-deposit ratio | 80.72% |
| Net loans to equity capital | 5.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.28% |
| Multifamily (5+ residential) | 4.05% |
| Commercial and industrial | 31.54% |
| Consumer | 6.86% |
| Credit cards | 1.71% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.50% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 87.99% |
| Construction concentration (Tier 1 capital + allowance) | 9.04% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.78% |
| Interest income on loans | $5.15B |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $319.36B | $431.15B | 8.63% | 39.58% | 8.59% |
| Q4 2023 | $322.26B | $428.99B | 8.37% | 39.10% | 8.46% |
| Q1 2024 | $320.54B | $432.28B | 8.39% | 39.49% | 8.30% |
| Q2 2024 | $322.44B | $423.23B | 8.16% | 40.07% | 8.20% |
| Q3 2024 | $322.15B | $430.35B | 7.94% | 40.06% | 8.29% |
| Q4 2024 | $317.34B | $433.57B | 7.72% | 40.12% | 7.89% |
| Q1 2025 | $320.11B | $429.50B | 7.44% | 39.46% | 7.67% |
| Q2 2025 | $328.19B | $433.05B | 7.00% | 30.80% | 7.64% |
| Q3 2025 | $327.74B | $439.69B | 6.77% | 30.83% | 7.77% |
| Q4 2025 | $333.44B | $450.67B | 6.57% | 31.01% | 7.79% |
| Q1 2026 | $346.79B | $441.51B | 6.40% | 32.11% | 7.37% |
| Q2 2026 | $369.51B | $457.80B | 7.28% | 31.54% | 6.86% |
PNC Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock PNC Bank, N.A., freeSource: Call Report Schedule RC-C, 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)