PNC Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Tracing its history to 1804, PNC Bank, N.A. has grown into one of the largest US commercial banks, with headquarters in Wilmington, DE. On its most recent Q2 2026 call report, PNC Bank reported $609.8B in total assets against $457.8B in deposits. Profitability is strong, 1.37% ROA, paired with 13.60% ROE and a 3.29% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 11.20% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is solid, 1.48% nonperforming loans and a 11.00% Texas Ratio. PNC Bank's national footprint covers 2,411 domestic branches.
As of June 30, 2026, PNC Bank, N.A. reported a CET1 capital ratio of 11.20%, a return on assets of 1.37%, a nonperforming-loan ratio of 1.48%, a Texas ratio of 11.00%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 222 Delaware Ave, Wilmington, DE 19801
- County
- New Castle
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1804
- Former names
- Midlantic Bank, National Association (1994-1996); Midlantic National Bank (1973-1994); National Newark & Essex Bank (1966-1973)
- Offices
- 2,411 domestic
- Employees (FTE)
- 56,903
- Domestic deposits
- $457.09B
- Allowance for credit losses
- $4.65B
- Net charge-offs (YTD)
- $433.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6384
- Fed RSSD
- 817824
- SEC CIK
- 713676 → filed by PNC FINANCIAL SERVICES GROUP, INC., THE
- Website
- www.pnc.com →
- Parent Holding Company
- PNC BANCORP, INC. (RSSD 1469314)
- Ultimate Parent
- PNC FINANCIAL SERVICES GROUP, INC., THE (RSSD 1069778)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full PNC Bank, N.A. terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock PNC Bank, N.A., freePNC Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for PNC Bank, N.A.: Uninsured deposits.
Banks merged into PNC Bank, N.A.
- FirstBank, effective June 19, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.20% | 1.37% | 1.48% | 11.00% | 3.29% |
| Q1 2026 | 11.63% | 1.32% | 1.51% | 10.77% | 3.05% |
| Q4 2025 | 11.91% | 1.45% | 1.56% | 10.67% | 3.04% |
| Q3 2025 | 11.96% | 1.31% | 1.34% | 9.30% | 2.98% |
| Q2 2025 | 11.86% | 1.22% | 1.30% | 9.35% | 2.95% |
| Q1 2025 | 11.92% | 1.16% | 1.45% | 10.38% | 2.93% |
| Q4 2024 | 11.85% | 1.18% | 1.58% | 11.63% | 2.91% |
| Q3 2024 | 11.68% | 1.09% | 1.63% | 11.91% | 2.83% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2,401 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 3 Pnc Branch | Pittsburgh , PA | 15222 | $70.02B |
| East Brunswick Branch | East Brunswick , NJ | 08816 | $14.77B |
| 1600 Market Street Branch | Philadelphia , PA | 19103 | $8.46B |
| Plaza Branch | Indianapolis , IN | 46204 | $7.04B |
| Big-Beaver1 - 75 Branch | Troy , MI | 48084 | $6.96B |
| Euclid-9th Branch | Cleveland , OH | 44114 | $5.14B |
| Pnc Place Branch | Washington , DC | 20006 | $4.74B |
| One Federal Place Branch | Birmingham , AL | 35203 | $4.72B |
| Datura Branch | West Palm Beach , FL | 33401 | $4.54B |
| Clarendon Hills Branch | Clarendon Hills , IL | 60514 | $4.14B |
| One North Franklin Branch | Chicago , IL | 60606 | $4.12B |
| Pnc Harborside Branch | Baltimore , MD | 21202 | $3.91B |
| Columbus Plaza Branch | Columbus , OH | 43215 | $3.87B |
| Highland Village Branch | Houston , TX | 77027 | $3.77B |
| 32nd Street Branch | Camp Hill , PA | 17011 | $3.64B |
| Louisville Main Branch | Louisville , KY | 40202 | $3.38B |
| DirectHomePhoneInternet Branch | Pittsburgh , PA | 15219 | $3.00B |
| Plaza Branch | Raleigh , NC | 27601 | $2.84B |
| South Park Branch | Charlotte , NC | 28211 | $2.55B |
| 16th Street Mall Branch | Denver , CO | 80202 | $2.24B |
| 1511 Walnut Street Branch | Philadelphia , PA | 19102 | $1.98B |
| Robinson Towne Center Branch | Pittsburgh , PA | 15205 | $1.97B |
| Fifth Avenue Place Branch | Pittsburgh , PA | 15222 | $1.93B |
| Cyntergy-Midtown Branch | Atlanta , GA | 30308 | $1.91B |
| Seventh and Vine Branch | Cincinnati , OH | 45202 | $1.84B |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 19, 2026 | Structure Change | Acquired FirstBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 19, 2026 | M&A | merger | SEC |
| June 18, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 1, 2022 | M&A | merger | SEC |
| May 1, 2022 | Structure Change | Acquired PNC Equipment Finance, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 9, 2021 | Structure Change | Acquired BBVA USA Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 9, 2021 | M&A | merger | SEC |
| October 8, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 4, 2012 | Structure Change | Acquired PNC Mortgage Services, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 4, 2012 | M&A | merger | SEC |
| March 3, 2012 | M&A | merger | SEC |
| March 3, 2012 | Structure Change | Acquired RBC Bank (USA) Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 2, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2011 | Structure Change | Acquired Midland Loan Services, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2011 | M&A | merger | SEC |
| November 7, 2009 | M&A | merger | SEC |
| November 7, 2009 | Structure Change | Acquired National City Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 6, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 22, 2009 | Structure Change | Acquired PNC Bank, Delaware Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 22, 2009 | M&A | merger | SEC |
| August 21, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 15, 2009 | Structure Change | Acquired Dwelling House Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 15, 2009 | M&A | failure_government_assistance_provided | SEC |
| August 14, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 9, 2008 | Structure Change | Acquired BLC Bank N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 9, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 9, 2008 | M&A | merger | SEC |
| August 8, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 8, 2008 | M&A | merger | SEC |
| March 8, 2008 | Structure Change | Acquired The Yardville National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 7, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 15, 2007 | Structure Change | Acquired The National Bank of Fredericksburg Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 15, 2007 | M&A | merger | SEC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 33 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for PNC Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 11 against the institution (OCC); 31 against individuals associated with it
- July 18, 2022, OCC: Civil Money Penalty (CMP): PNC Bank, National Association
- May 1, 2018, OCC: Civil Money Penalty (CMP): PNC Bank, National Association
- October 6, 2014, OCC: C&D or PC&D Requiring Restitution: PNC Bank, National Association
- October 6, 2014, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): PNC Bank, National Association
- October 6, 2014, OCC: Civil Money Penalty (CMP): PNC Bank, National Association
- Period: Most recent institution action July 18, 2022. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.0% of deposits in DE, rank 7 of 36 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 131,510 applications, 61,280 loans originated, $18.88B originated, across 52 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about PNC Bank, N.A.
What are PNC Bank, N.A.'s total assets?
As of the Q2 2026 filing, PNC Bank, N.A. reported total assets of $609.77 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is PNC Bank, N.A. headquartered?
PNC Bank, N.A. is headquartered in Wilmington, DE, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was PNC Bank, N.A. founded?
PNC Bank, N.A. was established in 1804, per the FDIC institution directory.
Is PNC Bank, N.A. FDIC-insured?
Yes. PNC Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #6384). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates PNC Bank, N.A.?
PNC Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is PNC Bank, N.A.'s CET1 capital ratio?
PNC Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 11.20% in its Q2 2026 call report, above regulatory requirements.
How many branches does PNC Bank, N.A. operate?
PNC Bank, N.A. operates 2,411 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is PNC Bank, N.A.'s Texas Ratio?
PNC Bank, N.A.'s Texas Ratio is 11.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was PNC Bank, N.A. previously called?
The charter now named PNC Bank, N.A. has also operated as Midlantic Bank, National Association (1994-1996), Midlantic National Bank (1973-1994), National Newark & Essex Bank (1966-1973), per FDIC structure-change records.
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