PNC Bank, National Association

Headquarters

222 Delaware Ave
Wilmington, DE 19801
See all branch locations →

Phone 888 762 2265

Notable Rates APY Vs.Others
Savings 0.01% 0.85% →
1-Year CD 0.12% 0.85% →
2-Year CD 0.15% 0.87% →
5-Year CD 0.25% 1.30% →
30-Year Mortgage 2.82% 2.81% →
15-Year Mortgage 2.48% 2.36% →
HELOC 4.90% 2.79% →

2022 Overview

General Bank Information

PNC Bank, National Association is an FDIC insured institution located in Wilmington, DE. It was founded in 1804 and has approximately $462.39 billion in assets. Customers can open an account at one of its 2,830 branches.

FDIC Insured Yes
FDIC Certificate # 6384
Date Established 1804
Assets $ 462.39 billion
Loans $ 232.79 billion
Deposits $ 381.47 billion
Capital $ 46.18 billion
 

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.

Deposit Rates - January 25, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.01% $2,500 $4,999 Learn More
Money Market
0.02% $2,500 $2,999 Learn More
Money Market
0.02% $10,000 $14,999 Learn More
Money Market
0.05% $25,000 $29,999 Learn More
Money Market
0.02% $25,000 $29,999 Learn More
Premium Money Market Account
0.08% $10,000 $14,999 Learn More
Premium Money Market Account
0.10% $10,000 $14,999 Learn More
Premium Money Market Account
0.10% $25,000 $34,999 Learn More
Premium Money Market Account
0.15% $25,000 $34,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.05% $10,000 $14,999 Learn More
6 Mo CD
0.07% $100,000 $199,999 Learn More
6 Mo CD
0.05% $100,000 $199,999 Learn More
12 Mo CD
0.10% $10,000 $14,999 Learn More
12 Mo CD
0.12% $100,000 $199,999 Learn More
12 Mo CD
0.10% $100,000 $199,999 Learn More
18 Mo CD
0.07% $10,000 $14,999 Learn More
18 Mo CD
0.10% $100,000 $199,999 Learn More
24 Mo CD
0.10% $10,000 $14,999 Learn More
24 Mo CD
0.15% $100,000 $199,999 Learn More
36 Mo CD
0.10% $10,000 $14,999 Learn More
36 Mo CD
0.15% $100,000 $199,999 Learn More
48 Mo CD
0.10% $10,000 $14,999 Learn More
48 Mo CD
0.15% $100,000 $199,999 Learn More
60 Mo CD
0.20% $10,000 $14,999 Learn More
60 Mo CD
0.25% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.01% $2,500 $3,499 Learn MoreShow Less

Online Only Savings Rates of PNC Bank

Online Savings Rates APY MIN MAX
Online Savings
0.40% $1 - Learn More
Checking Rates APY MIN FEE
Virtual Wallet 0.00% $500 $7.00 Learn MoreShow Less
Virtual Wallet with Performance Select 0.00% $5,000 $25.00 Learn MoreShow Less
Virtual Wallet with Performance Spend 0.00% $2,000 $15.00 Learn MoreShow Less
Virtual Wallet 0.00% $500 $7.00 Learn MoreShow Less

Bank Online Offers

 

Loan Rates - January 25, 2022

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
3 Year 3.44% 3.44% $731.89
4 Year 3.44% 3.44% $558.23
5 Year 3.49% 3.49% $454.68
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

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.

Your Location:
Ashburn,Virginia


PNC Bank, National Association Locations



Climate Initiatives

PNC Bank, National Association is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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 BestCashCow.com 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
5.7% 4.33%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 September 30, 2021, PNC Bank, National Association had $2,834,097,000 in non-current loans and $18,098,000 in owned real estate. To cover these potential losses it had $46,179,983,000 in equity and $3,816,106,000 in loans loss reserves. That gives it a Texas Ratio of 5.7%.

Return on Equity
PNC Bank, National Association U.S. Bank Average
12.34% 11.13%

PNC Bank, National Association has a Return on Equity of 12.34% versus the BestCashCow average of 11.13%. 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.

Capitalization
PNC Bank, National Association U.S. Bank Average
9.99% 11.79%

PNC Bank, National Association has a Capitalization of 9.99% versus the BestCashCow average of 11.79. 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 September 30, 2021, PNC Bank, National Association had assets of $462,385,600,000, loans of $232,791,097,000, and deposits of $381,465,342,000. 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

September 30, 2021
ASSETS
Cash & Balances due from depository institutions $ 73.86 billion
Interest-bearing balances $ 65.66 billion
Total securities $ 110.13 billion
Federal funds sold and reverse repurchase $ 1,804.04 million
Net loans and leases $ 232.79 billion
Loan loss allowance $ 3.82 billion
Trading account assets $ 5.91 billion
Bank premises and fixed assets N.A.
Other real estate owned $ 18.10 million
Goodwill and other intangibles $ 11.32 billion
All other assets $ 20.21 billion
     Total Assets $ 416.21 billion
LIABILITIES
Total deposits $ 381.47 billion
      Interest-bearing deposits $ 248.99 billion
      Deposits held in domestic offices $ 374.72 billion
      % insured (estimated) 56.45%
Federal funds purchased and repurchase agreements $ 710.85 million
Trading liabilities $ 2.20 billion
Other borrowed funds $ 15.07 billion
Subordinated debt $ 5.24 billion
All other liabilities $ 11.53 billion
      Total Liabilities $ 416.21 billion
      Shareholders’ Equity $ 46.18 billion

Summary Income Statement

September 30, 2021
INCOME AND EXPENSES
Total Interest Income $ 7.31 billion
Total Interest Expense $ 269.30 million
Net interest income $ 7.04 billion
Provision for loan and lease losses N.A.
Total non interest income $ 4.96 billion
Total non interest expense $ 8.09 billion
Pre-tax Net Operating Income $ 5.27 billion

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 Commercial and Industrial Loans, Farm 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 21.10
Multifamily
Mortgages
2.81
Credit Card Loans 2.10
Consumer Auto Loans 5.85
Small Business Loans 0.86
Construction and Development Loans 3.04
Commercial Real Estate 9.05
Commercial and Industrial Loans 39.64
Farm Loans 0.07

Customer Reviews for PNC Bank, National Association


  • May 18, 2019 |

    Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain checking for annual RMDs. Only wish it they offer competitive high yield CDs products.

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