BlastPoint's Banking Scorecard

PNC Bank, National Association

$250B+ Specialty: Commercial DE FDIC cert 6384

Wilmington, DE

2,318 branches across TX · PA · OH · FL · NJ · IL · MI · MD · NC · AL · IN · KY · AZ · GA · CA · VA · CO · DE · MO · WI · DC · NM · MA · SC · TN · NY · KS · WV

16 banks in the $250B+ peer group nationally 2 in DE

View $250B+ leaderboard (DE) →

PNC Bank, National Association has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 25.0% in tier
+ Delinquency Rate 0.08% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 0.1% in tier
- Efficiency Ratio 1.30% above tier average

Get updates when PNC Bank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Total Assets ?	$567.9B +3.4% YoY -0.1% QoQ	-$439.2B	$1,007.1B -0.5% YoY	$70.8B +0.0% YoY	$6.2B +9.1% YoY	56%
Total Loans ?	$342.4B +8.5% YoY +4.1% QoQ	-$93.8B	$436.2B +3.5% YoY	$38.8B +4.8% YoY	$3.2B +10.8% YoY	62%
Total Deposits ?	$441.5B +2.8% YoY -2.0% QoQ	-$325.5B	$767.0B -1.7% YoY	$56.2B +0.9% YoY	$4.8B +8.2% YoY	56%
Return on Assets ?	1.32% +13.2% YoY +1.7% QoQ	+0.17%	1.15% +9.3% YoY	2.25% -5.9% YoY	1.23% +13.4% YoY	81%
Net Interest Margin ?	3.09% +4.1% YoY +1.9% QoQ	+0.04%	3.05% +6.7% YoY	5.71% +1.4% YoY	3.89% +5.7% YoY	56%
Efficiency Ratio ?	57.19% -3.5% YoY -0.6% QoQ	+1.30%	55.89% +3.9% YoY	53.58% -1.6% YoY	66.95% -4.1% YoY	38%
Delinquency Rate ?	0.84% -11.5% YoY -6.1% QoQ	-0.08%	0.92% -4.7% YoY	1.76% +0.3% YoY	0.95% +18.8% YoY	56%
Loan-to-Deposit Ratio ?	77.54% +5.5% YoY +6.2% QoQ	+18.90%	58.65% +11.5% YoY	82.81% -6.4% YoY	76.70% +0.9% YoY	25%
Non-Interest-Bearing Deposit Share ?	22.35% -3.0% YoY -0.8% QoQ	+3.75%	18.60% +9.6% YoY	23.71% -4.5% YoY	22.01% -1.2% YoY	56%
Nonperforming Asset Ratio ?	0.55% -4.4% YoY -2.8% QoQ	+0.06%	0.48% +3.7% YoY	0.52% -2.0% YoY	0.67% +19.3% YoY	44%
Tier 1 Capital Ratio ?	11.63% -2.4% YoY -2.3% QoQ	-2.37%	14.00% -15.5% YoY	58.48% +5.2% YoY	17.06% +0.8% YoY	Bottom 6.2% in tier
Non-Interest Income / Assets ?	0.35% +7.1% YoY -74.6% QoQ	+0.00%	0.35% -0.9% YoY	1.31% -6.4% YoY	0.32% +4.1% YoY	62%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#2 of 4 • Top 25.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.32%

(Tier: 1.15%, National: 1.23%)

better than tier avg

4 of 4 Titans banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Capital Thin

risk

#1 of 4 • Bottom 0.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.63%

(Tier: 14.00%, National: 17.06%)

worse than tier avg

4 of 4 Titans banks match · 926 nationally

→ Stable +3 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 16 peers in $250B+

Top Strengths (1 metrics)

Return on Assets

profitability

Value: 1.32%

Peer Median: 1.15%

#4 of 16 Top 18.8% in $250B+

Top Weaknesses (2 metrics)

Tier 1 Capital Ratio

capital

Value: 11.63%

Peer Median: 14.00%

#16 of 16 Bottom 6.2% in $250B+

Loan-to-Deposit Ratio

liquidity

Value: 77.54%

Peer Median: 58.65%

#13 of 16 Bottom 25.0% in $250B+