BlastPoint's Banking Scorecard
PNC Bank, National Association
Wilmington, DE
2,418 branches across TX · PA · OH · FL · NJ · IL · MI · CO · MD · NC · AL · IN · AZ · KY · GA · CA · VA · DE · MO · WI · DC · NM · MA · SC · TN · NY · KS · WV
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 18 banks in the $250B+ peer group nationwide — 1 of 2 in DE.
- Deposits +5.7% year over year ($457.8B on the books).
- Delinquency rate 0.75%.
- Return on assets 1.32%.
- Efficiency ratio 59.23% vs a 52.80% peer average.
- Loan-to-deposit ratio 79.70% vs a 59.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
PNC Bank, National Association has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.14% above tier average
- + Net Interest Margin 0.21% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 20.0% in tier
- - Efficiency Ratio 6.43% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$609.8B
+10.0% YoY
+7.4% QoQ
|
-$326.5B |
$936.3B
-15.8% YoY
|
$72.9B
+3.7% YoY
|
$6.3B
+7.7% YoY
|
61% |
| Total Loans ? |
$364.9B
+12.7% YoY
+6.6% QoQ
|
-$44.6B |
$409.5B
-13.1% YoY
|
$40.0B
+6.7% YoY
|
$3.2B
+9.4% YoY
|
67% |
| Total Deposits ? |
$457.8B
+5.7% YoY
+3.7% QoQ
|
-$255.4B |
$713.2B
-15.8% YoY
|
$56.7B
+1.8% YoY
|
$4.9B
+7.3% YoY
|
61% |
| Return on Assets ? |
1.32%
+9.9% YoY
-0.0% QoQ
|
+0.14% |
1.17%
+26.8% YoY
|
2.36%
-9.5% YoY
|
1.30%
+12.1% YoY
|
67% |
| Net Interest Margin ? |
3.15%
+5.6% YoY
+2.1% QoQ
|
+0.21% |
2.94%
-1.8% YoY
|
5.72%
+0.9% YoY
|
3.95%
+4.9% YoY
|
72% |
| Efficiency Ratio ? |
59.23%
+1.6% YoY
+3.6% QoQ
|
+6.43% |
52.80%
-5.4% YoY
|
53.04%
-0.1% YoY
|
70.05%
+2.5% YoY
|
33% |
| Delinquency Rate ? |
0.75%
-12.0% YoY
-10.8% QoQ
|
-0.03% |
0.78%
-21.7% YoY
|
1.76%
+6.5% YoY
|
0.98%
+16.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
79.70%
+6.6% YoY
+2.8% QoQ
|
+20.66% |
59.04%
+5.5% YoY
|
80.57%
-7.4% YoY
|
79.03%
+2.3% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
23.46%
+2.0% YoY
+5.0% QoQ
|
+7.15% |
16.30%
-11.5% YoY
|
23.77%
-3.1% YoY
|
21.98%
-0.6% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.48%
-6.9% YoY
-11.5% QoQ
|
+0.07% |
0.42%
-12.7% YoY
|
0.52%
+1.1% YoY
|
0.69%
+15.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
11.20%
-5.6% YoY
-3.8% QoQ
|
-4.01% |
15.20%
+5.2% YoY
|
57.87%
+0.5% YoY
|
17.09%
+0.8% YoY
|
Bottom 5.6% in tier |
| Non-Interest Income / Assets ? |
0.68%
+2.1% YoY
+95.3% QoQ
|
+0.04% |
0.64%
-10.8% YoY
|
2.79%
+1.3% YoY
|
0.66%
+5.2% YoY
|
67% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.5%
+0.5pp YoY +1.1pp QoQ |
+7.2pp | 16.3% | 27.2% | 22.2% | 56% |
| Brokered Deposits |
0.4%
-1.4pp YoY 0.0pp QoQ |
-6.5pp | 7.0% | 18.6% | 8.5% | 0% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
31.9%
+0.7pp YoY -0.6pp QoQ |
+12.4pp | 19.6% | 8.9% | 12.5% | 81% |
| CRE |
12.9%
+0.2pp YoY +1.4pp QoQ |
+0.7pp | 12.2% | 35.2% | 41.4% | 60% |
| 1-4 Family |
20.9%
-1.3pp YoY +0.6pp QoQ |
+0.3pp | 20.6% | 36.6% | 31.3% | 47% |
| Consumer |
6.9%
-0.8pp YoY -0.5pp QoQ |
-9.9pp | 16.9% | 37.2% | 5.0% | 13% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.2%
-0.7pp YoY -0.4pp QoQ |
-4.0pp | 15.2% | 52.4% | 19.7% | 0% |
| Leverage Ratio |
9.0%
-0.2pp YoY -0.4pp QoQ |
+0.2pp | 8.8% | 28.0% | 12.6% | 44% |
| Total Capital Ratio |
12.8%
-0.6pp YoY -0.5pp QoQ |
-3.5pp | 16.3% | 53.4% | 20.8% | 0% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
56,903
+2559 (+4.7%) YoY -265 (-0.5%) QoQ |
-6,656 | 63,559 | 6,324 | 482 | 61% |
| Assets per Employee ($) |
$10.7M
+5.0% YoY +7.9% QoQ |
-$50.4M | $61.1M | $17.7M | $8.8M | 11% |
| Branch Count |
2,413
+86 (+3.7%) YoY +87 (+3.7%) QoQ |
+1,005 | 1,407 | 249 | 18 | 78% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.9% | 0.4% | 8% |
| Nonaccrual |
0.7%
-0.1pp YoY -0.1pp QoQ |
+0.1pp | 0.6% | 1.3% | 1.0% | 61% |
| Allowance Coverage |
1.69x
+3.7% YoY +10.6% QoQ |
-0.45x | 2.14x | 2.44x | 20.23x | 56% |
| Net Charge-off Rate (YTD) |
0.2%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.5% | 1.5% | 0.2% | 29% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.6%
+0.6pp YoY 0.0pp QoQ |
+0.2pp | 12.4% | 13.0% | 11.6% | 50% |
| Cost of Funds (YTD) |
1.7%
-0.3pp YoY 0.0pp QoQ |
-0.4pp | 2.2% | 1.7% | 1.7% | 28% |
| Net Income ($, YTD) |
$4.0B
+19.3% YoY — QoQ |
-$1.9B | $5.9B | $432.8M | $40.4M | 56% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.