PNC Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks PNC Bank, N.A. of Wilmington, DE against its peer group of 18 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.37% | 1.18% | +0.19% | 71st above |
| ROAE | 13.60% | 12.75% | +0.85% | 53rd above |
| Net Interest Margin | 3.29% | 2.85% | +0.44% | 82nd top |
| Efficiency Ratio | 60.78% | 53.13% | +7.65% | 18th bottom |
| PPNR / Avg Assets | 1.66% | 1.74% | -0.08% | 41st below |
| Yield on Earning Assets | 5.06% | 5.01% | +0.05% | 68th above |
| Cost of Funds | 1.89% | 2.24% | -0.35% | 53rd above |
| Net Interest Spread | 2.66% | 2.33% | +0.33% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.48% | 0.88% | +0.60% | 6th bottom |
| NPA / Total Assets | 0.90% | 0.45% | +0.45% | 6th bottom |
| NCO / Avg Loans | 0.25% | 0.50% | -0.25% | 65th above |
| ACL / Total Loans | 1.26% | 1.38% | -0.12% | 41st below |
| ACL / NPLs (Coverage) | 84.97% | 149.03% | -64.06% | 24th bottom |
| Texas Ratio | 11.00% | 6.27% | +4.73% | 12th bottom |
| Provision / NCO | 92.34% | 123.85% | -31.51% | 20th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.20% | 17.67% | -6.47% | 0th bottom |
| Tier 1 Ratio | 11.20% | 17.70% | -6.50% | 0th bottom |
| Total Capital Ratio | 12.82% | 18.61% | -5.79% | 0th bottom |
| Leverage Ratio Ahead of the peer average, behind the median peer. | 8.98% | 8.75% | +0.23% | 47th below |
| Equity / Assets | 10.36% | 9.92% | +0.44% | 65th above |
| TCE / Tangible Assets | 8.24% | 7.98% | +0.26% | 59th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.72% | 58.78% | +21.94% | 18th bottom |
| Core Deposit Ratio | 97.17% | 82.19% | +14.98% | 88th top |
| Uninsured Deposit Ratio | 44.76% | 43.67% | +1.09% | 47th below |
| Wholesale Funding Ratio | 12.00% | 7.17% | +4.83% | 18th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.95% | 13.69% | -3.74% | 71st above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 12.59% | 16.07% | -3.48% | 59th above |
| Deposit Growth (Y/Y) | 5.72% | 11.67% | -5.95% | 47th below |
See PNC Bank, N.A.'s peers by name
The 18 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock PNC Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full PNC Bank, N.A. profile, how to read a UBPR, or how this data updates.