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PNC Bank, National Association
Wilmington, DE·FDIC Cert #6384·Charter: OCC·Est. 18040101.0·HC: PNC FINL SERVICES GROUP INC
Total Assets
$568.3B
Q4 2025
Return on Assets
1.30%
+0.06%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.53%
Peer avg: 52.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
61
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.30%+0.06
ROE
12.79%+0.45
Efficiency
57.53%-0.12
Equity/Assets
0.00%+0.00
NPL Ratio
0.90%+0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
73.01%-0.51
Charge-offs
0.23%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.1 | 1.1 | 1.1 | 1.2 | 1.2 | 1.2 | 1.3 |
| ROE | 11.6 | 11.8 | 11.8 | 11.9 | 11.8 | 12.0 | 12.3 | 12.8 |
| Efficiency | 61.6 | 58.0 | 58.3 | 59.0 | 59.3 | 58.3 | 57.6 | 57.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.1 | 1.1 | 1.1 | 1.1 | 1.0 | 0.9 | 0.9 | 0.9 |
| Charge-offs | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.2 | 0.2 |
| Loan/Deposit | 73.1 | 75.1 | 73.8 | 72.2 | 73.5 | 74.7 | 73.5 | 73.0 |
Balance Sheet
Total Assets$568.3B
Total Deposits$450.7B
Total Loans$329.0B
Total Equity$59.4B
Profitability
ROA1.30%
ROE12.79%
Efficiency Ratio57.53%
Net Income$7.2B
Risk & Asset Quality
NPL Ratio0.90%
Charge-off Rate0.23%
Loan/Deposit73.01%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans