PNC Bank, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Deposits to assets: 2.66 percentage points lower than in Q1 2026, at 75.08%. PNC Bank, N.A. ranks 12th of 17 Delaware banks on return on assets, in the lower half at 1.37% (Q2 2026). PNC Bank, N.A. reported 1.37% on return on assets for Q2 2026, 0.14 points above the 1.23% median for banks in the >= $250B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.20% |
| Tier 1 risk-based capital ratio | 11.20% |
| Total risk-based capital ratio | 12.82% |
| Tier 1 leverage ratio | 8.98% |
| Equity capital to assets | 10.36% |
| Tangible equity to tangible assets | 8.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.48% |
| Non-performing assets ratio | 0.90% |
| Net charge-off ratio | 0.25% |
| Texas ratio | 11.00% |
| Allowance for credit losses to loans | 1.26% |
| Reserve coverage of non-performing loans | 84.97% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.37% |
| Return on equity | 13.60% |
| Net interest margin | 3.29% |
| Efficiency ratio | 60.78% |
| Yield on earning assets | 5.06% |
| Cost of funds | 1.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.72% |
| Core deposits to total deposits | 97.17% |
| Brokered deposits to total deposits | 0.45% |
| Deposits to assets | 75.08% |
| Securities to assets | 24.71% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.21% | 11.21% | 12.86% | 8.63% | 1.19% |
| Q4 2023 | 11.30% | 11.30% | 12.94% | 8.56% | 0.68% |
| Q1 2024 | 11.47% | 11.47% | 13.17% | 8.61% | 1.03% |
| Q2 2024 | 11.55% | 11.55% | 13.20% | 8.71% | 1.10% |
| Q3 2024 | 11.68% | 11.68% | 13.26% | 8.75% | 1.09% |
| Q4 2024 | 11.85% | 11.85% | 13.36% | 8.94% | 1.18% |
| Q1 2025 | 11.92% | 11.92% | 13.48% | 9.15% | 1.16% |
| Q2 2025 | 11.86% | 11.86% | 13.41% | 9.21% | 1.22% |
| Q3 2025 | 11.96% | 11.96% | 13.45% | 9.17% | 1.31% |
| Q4 2025 | 11.91% | 11.91% | 13.32% | 9.27% | 1.45% |
| Q1 2026 | 11.63% | 11.63% | 13.34% | 9.39% | 1.32% |
| Q2 2026 | 11.20% | 11.20% | 12.82% | 8.98% | 1.37% |
PNC Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock PNC Bank, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)