PNC Bank, National Association

222 Delaware Avenue
Wilmington, DE 19899


2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 6384
Date Established 1804
Assets $368.95 billion
Loans $221.54 billion
Deposits $271.05 billion
Capital $38.09 billion

PNC Bank, National Association is an FDIC insured institution located in Wilmington, DE. It was founded in 1804 and has approximately $368.95 billion in assets. Customers can open an account at one of its 2,830 branches.

For a more detailed analysis of PNC Bank, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in PNC Bank, National Association’s loan portfolio are Commercial and Industrial Loans, 1-4 Family Residential Loans, and Commercial Real Estate.

Compared to other banks in Delaware, PNC Bank, National Association has a significantly higher percent of Consumer Auto Loans, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 20.68
Credit Card Loans 2.25
Consumer Auto Loans 6.27
Small Business Loans 1.25
Construction and Development Loans 3.40
Commercial Real Estate 10.22
Commercial and Industrial Loans 36.32
Farm Loans 0.05

Deposit Rates - October 20, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.03% $1 $9,999 Learn MoreShow Less
Money Market
0.09% $10,000 $24,999 Learn MoreShow Less
Money Market
0.11% $25,000 $49,999 Learn MoreShow Less
3 Mo CD
0.06% $10,000 $24,999 Learn MoreShow Less
3 Mo CD
0.08% $100,000 $499,999 Learn MoreShow Less
6 Mo CD
0.08% $10,000 $24,999 Learn MoreShow Less
6 Mo CD
0.12% $100,000 $499,999 Learn MoreShow Less

Fixed IRA
0.10% $1,000 $9,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.03% $25 $9,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $2,000 $9,999 Learn MoreShow Less
Checking Rates APY MIN FEE
Standard Checking 0.00% $500 $7.00 Learn MoreShow Less
Performance Select Checking 0.00% $5,000 $25.00 Learn MoreShow Less
Performance Checking 0.00% $2,000 $15.00 Learn MoreShow Less
Virtual Wallet 0.00% $500 $7.00 Learn MoreShow Less

Loan Rates - October 20, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for PNC Bank, National Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: MC-1875
4.769% 4.750% 0.25 $552 $1,305 Learn More
Rocket Mortgage
NMLS ID: 3030
5.250% 5.250% 0.00 $0 $1,381 Learn More
Ally Bank
NMLS ID: 181005
5.041% 5.000% 0.13 $1,264 $1,343 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More
Flagstar Bank 5.490% $283.58 Learn More

Note to PNC Bank, National Association
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PNC Bank, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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PNC Bank, National Association Locations

Financial Details

PNC Bank, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of PNC Bank, National Association. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
PNC Bank, National Association U.S. Bank Average
6.97% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2018, PNC Bank, National Association had $2,713,910,000 in non-current loans and $120,077,000 in owned real estate. To cover these potential losses it had $38,094,033,000 in equity and $2,580,704,000 in loans loss reserves. That gives it a Texas Ratio of 6.97%.

Return on Equity
PNC Bank, National Association U.S. Bank Average
11.01% 9.77%

PNC Bank, National Association has a Return on Equity of 11.01% versus the BestCashCow average of 9.77%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

PNC Bank, National Association U.S. Bank Average
10.32% 12.31%

PNC Bank, National Association has a Capitalization of 10.32% versus the BestCashCow average of 12.31. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

PNC Bank, National Association Balance Sheet Analysis

As of June 30, 2018, PNC Bank, National Association had assets of $368,950,936,000, loans of $221,544,042,000, and deposits of $271,048,550,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2018
Cash & Balances due from depository institutions $27.35 billion
Interest-bearing balances $21.93 billion
Total securities $80.64 billion
Federal funds sold and reverse repurchase $2.23 billion
Net loans and leases $221.54 billion
Loan loss allowance $2.58 billion
Trading account assets $2.53 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.12 billion
Goodwill and other intangibles $11.56 billion
All other assets $18.48 billion
     Total Assets $330.86 billion
Total deposits $271.05 billion
      Interest-bearing deposits $191.43 billion
      Deposits held in domestic offices $262.18 billion
      % insured (estimated) 60.00%
Federal funds purchased and repurchase agreements $2.70 billion
Trading liabilities $2.18 billion
Other borrowed funds $46.40 billion
Subordinated debt $3.67 billion
All other liabilities $4.87 billion
      Total Liabilities $330.86 billion
      Shareholders’ Equity $38.09 billion

Summary Income Statement

June 30, 2018
Total Interest Income $5.95 billion
Total Interest Expense $1.15 billion
Net interest income $4.80 billion
Provision for loan and lease losses $0.18 billion
Total non interest income $2.95 billion
Total non interest expense $4.95 billion
Pre-tax Net Operating Income $2.63 billion

Frequently Asked Questions About PNC Bank

Branches and Savings

Is PNC Bank FDIC insured?

Yes. It is covered under FDIC Certificate #6384.

Why does PNC Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are PNC Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is PNC Bank a commercial bank?

Where are PNC Bank locations?

See branch locations nearby.

Is PNC Bank open on Saturdays?

Is PNC Bank open on Sundays?

What time does PNC Bank open?

What time does PNC Bank close?

Are PNC Bank ATMs Open 24/7?

Do PNC Bank ATMs accept cash deposits?

Can PNC Bank customers use other ATMs?

Do PNC Bank branches have notaries?

Will PNC Bank notarize my document?

What address for PNC Bank should I put for incoming ACH transfers?

Will the PNC Bank branch print checks?

Do PNC Bank checks expire?

Does PNC Bank require US citizenship to open account?

Can PNC Bank close my account?

Does PNC Bank Report to credit bureaus?

Does PNC Bank Use Equifax?

What is PNC Bank's ACH Routing Number?

What is PNC Bank's SWIFT code?


Does PNC Bank offer mortgages?

Compare mortgage rates here.

Does PNC Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does PNC Bank offer personal loans?

Compare personal loan rates here.

Does PNC Bank offer student loans?

Will PNC Bank cash a check?

Will PNC Bank redeem a savings bond?

Does PNC Bank cash savings bonds?

Will PNC Bank cash money orders?

Can PNC Bank issue a money order?

Does PNC Bank do currency exchange?

Background on The Bank

Who owns PNC Bank?

How long has PNC Bank been around?

Can PNC Bank transfer to other banks?

Does PNC Bank have quick pay?

Does PNC Bank accept rolled coins?

Will PNC Bank accept loose change?

Where is PNC Bank headquarters?

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