PNC Bank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Total interest expense: 13.7% higher than in Q1 2026, at $2.45B. PNC Bank, N.A. has the 3rd lowest net interest margin of the 17 banks headquartered in Delaware, at 3.29% as of Q2 2026. The median for banks in the >= $250B asset tier is 2.88% on net interest margin. PNC Bank, N.A. sits 0.42 points higher, at 3.29% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.06% |
| Yield on loans | 5.76% |
| Yield on securities | 3.63% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.89% |
| Cost of interest-bearing deposits | 2.03% |
| Cost of interest-bearing liabilities | 2.40% |
| Cost of borrowings | 4.28% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.29% |
| Yield to cost spread | 2.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.15B |
| Total interest expense | $2.45B |
| Interest expense on deposits | $1.76B |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.91% | 1.83% | 2.84% | 5.71% | 2.57% |
| Q4 2023 | 5.04% | 2.03% | 2.79% | 6.00% | 2.58% |
| Q1 2024 | 5.08% | 2.47% | 2.71% | 5.91% | 2.61% |
| Q2 2024 | 5.13% | 2.51% | 2.74% | 5.93% | 2.89% |
| Q3 2024 | 5.29% | 2.59% | 2.83% | 6.06% | 3.04% |
| Q4 2024 | 5.08% | 2.29% | 2.91% | 5.83% | 3.15% |
| Q1 2025 | 4.86% | 2.04% | 2.93% | 5.53% | 3.17% |
| Q2 2025 | 4.92% | 2.08% | 2.95% | 5.61% | 3.22% |
| Q3 2025 | 5.03% | 2.17% | 2.98% | 5.71% | 3.36% |
| Q4 2025 | 4.90% | 1.97% | 3.04% | 5.53% | 3.35% |
| Q1 2026 | 4.72% | 1.76% | 3.05% | 5.26% | 3.27% |
| Q2 2026 | 5.06% | 1.89% | 3.29% | 5.76% | 3.63% |
PNC Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock PNC Bank, N.A., freeSource: Call Report Schedules RI and RC-K, 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)