PNC Bank, National Association: how it compares with its peers
Against 8 U.S. banks with half to twice its assets, PNC Bank, National Association's strongest measure in Q2 2026 is net interest margin (3.15% vs. a 2.33% peer median). Its weakest relative measure is efficiency ratio (59.23% vs. 53.82%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.32% | 1.22% | Middle third Ahead of 63% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.15% | 2.33% | Top third Ahead of 75% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.23% | 53.82% | Bottom third Ahead of 25% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.7M | $11.5M | Bottom third Ahead of 25% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.70% | 54.10% | Context |
What it means for lending operations
Its efficiency ratio of 59.23% is above the 53.82% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Capital One, National Association Mclean, VA · $662.16B
- Truist Bank Charlotte, NC · $548.35B
- U.S. Bank National Association Cincinnati, OH · $705.55B
- Goldman Sachs Bank USA New York, NY · $758.79B
- The Bank of New York Mellon New York, NY · $425.12B
- Morgan Stanley Bank, National Association Salt Lake City, UT · $419.32B
Questions about PNC Bank, National Association
How big is PNC Bank, National Association?
PNC Bank, National Association, established in 1804, is headquartered in Wilmington, DE. It reported $609.77B in total assets in its Q2 2026 FDIC call report and operates 2419 offices.
What is PNC Bank, National Association's return on assets?
1.32% annualized in Q2 2026, against a 1.22% median for 8 U.S. banks with half to twice its assets, ahead of 63% of them.
What is PNC Bank, National Association's efficiency ratio?
59.23% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 53.82%, and lower is better.
Is PNC Bank, National Association growing its loans?
Net loans grew 12.7% over the year to Q2 2026, while deposits grew 5.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Delaware bank ranked.