PNC Bank, National Association
Headquarters
222 Delaware Ave
Wilmington, DE 19801
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ACH 043000096
Phone 888 762 2265
2024 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 $557.46 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 | $ 557.46 billion |
| Loans | $ 317.47 billion |
| Deposits | $ 428.99 billion |
| Capital | $ 50.12 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 - April 27, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.01% | $2,500 | - |
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|
Money Market
|
0.02% | $50,000 | $99,999 |
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|
Premium Money Market Account
|
1.00% | $100,000 | - |
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|
Premium Money Market Account
|
1.25% | $1,000,000 | - |
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|
| CD Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Month CD
|
0.03% | $25,000 | - |
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| 6 Month CD
|
0.03% | $25,000 | - |
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| 9 Month CD PROMO
|
0.05% | $1,000 | - |
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| 12 Month CD
|
0.03% | $25,000 | - |
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| 13 Month CD PROMO
|
2.00% | $1,000 | - |
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| 18 Month CD
|
0.03% | $25,000 | - |
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| 19 Month CD PROMO
|
1.25% | $1,000 | - |
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| 24 Month CD
|
0.03% | $25,000 | - |
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| 25 Month CD PROMO
|
1.50% | $1,000 | - |
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| 36 Month CD
|
0.03% | $25,000 | - |
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| 37 Month CD PROMO
|
1.75% | $1,000 | - |
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| 48 Month CD
|
0.03% | $25,000 | - |
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| 60 Month CD
|
0.03% | $25,000 | - |
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| 61 month CD PROMO
|
2.00% | $1,000 | - |
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| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 9 Month CD PROMO
|
0.05% | $1,000 | - | Learn More |
| 13 Month CD PROMO
|
2.00% | $1,000 | - | Learn More |
| 17 Month CD PROMO
|
1.25% | $1,000 | - | Learn More |
| 25 Month CD PROMO
|
1.50% | $1,000 | - | Learn More |
| 37 Month CD PROMO
|
1.75% | $1,000 | - | Learn More |
| 61 month CD PROMO
|
2.00% | $1,000 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Virtual Wallet - Growth / Performance Select
|
1.00% | $100,000 | - | Learn More |
| Virtual Wallet - Growth / Performance Select
|
1.25% | $1,000,000 | - | Learn More |
Online Only Savings Rates of PNC Bank
| Online Savings Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| PNC High Yield Savings
|
4.50% | $1 | - |
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| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| Virtual Wallet | 0.00% | $500 | $7.00 | Learn More |
| Virtual Wallet with Performance Select | 0.00% | $5,000 | $25.00 | Learn More |
| Virtual Wallet with Performance Spend | 0.00% | $2,000 | $15.00 | Learn More |
| Virtual Wallet | 0.00% | $500 | $7.00 | Learn More |
Bank Online Offers
Loan Rates - April 27, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
3.74% | 3.74% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
||||
| 10 Year Loan
See Table |
3.59% | 3.59% | $993.08 | |
| 15 Year Loan
See Table |
3.69% | 3.69% | $724.25 | |
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 5.34% | 5.34% | $753.09 | |
| 4 Year | 5.34% | 5.34% | $579.59 | |
| 5 Year | 5.49% | 5.49% | $477.41 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
6.42% | 5.75% | $1,867.43 | |
| 7 Year Adjustable Conforming See Amortization Table |
5.78% | 5.63% | $1,842.10 | |
| 10 Year Adjustable Conforming See Amortization Table |
5.89% | 5.88% | $1,892.92 | |
| 15 Year Fixed Conforming See Amortization Table |
5.66% | 5.38% | $2,593.49 | |
| 15 Year Fixed Jumbo See Amortization Table |
5.92% | 5.75% | $2,657.31 | |
| 20 Year Fixed Conforming See Amortization Table |
6.11% | 5.88% | $2,269.56 | |
| 30 Year Fixed Conforming See Amortization Table |
6.20% | 6.00% | $1,918.56 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
6.42% | 5.75% | $1,867.43 | |
| 7 Year Adjustable Conforming See Amortization Table |
5.78% | 5.63% | $1,842.10 | |
| 10 Year Adjustable Conforming See Amortization Table |
6.28% | 5.75% | $1,867.43 | |
| 15 Year Fixed Conforming See Amortization Table |
5.66% | 5.38% | $2,593.49 | |
| 15 Year Fixed Jumbo See Amortization Table |
5.92% | 5.75% | $2,657.31 | |
| 20 Year Fixed Conforming See Amortization Table |
6.11% | 5.88% | $2,269.56 | |
| 30 Year Fixed Conforming See Amortization Table |
6.20% | 6.00% | $1,918.56 | |
Compare with 6.787% APR and 6.750% 30-Year Fixed RATE from District Lending
See All Mortgage Rates |
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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:
Columbus,Ohio
Climate Policy and Initiatives
PNC claims to be ramping up its funding of sustainable operations, but also retains a large lending portfolio to the fossil fuels industry.
Updated March 31, 2024
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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 |
|---|---|
| 5.95% | 3.96% |
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 December 31, 2024, PNC Bank, National Association had $3,233,829,000 in non-current loans and $30,994,000 in owned real estate. To cover these potential losses it had $50,118,019,000 in equity and $4,791,148,000 in loans loss reserves. That gives it a Texas Ratio of 5.95%.
Return on Equity
| PNC Bank, National Association | U.S. Bank Average |
|---|---|
| 12.48% | 12.20% |
PNC Bank, National Association has a Return on Equity of 12.48% versus the BestCashCow average of 12.20%. 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 |
|---|---|
| 8.99% | 10.76% |
PNC Bank, National Association has a Capitalization of 8.99% versus the BestCashCow average of 10.76. 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 December 31, 2023, PNC Bank, National Association had assets of $557,463,343,000, loans of $317,468,630,000, and deposits of $428,985,450,000. 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
December 31, 2024| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 50.70 billion |
| Interest-bearing balances | $ 43.79 billion |
| Total securities | $ 133.07 billion |
| Federal funds sold and reverse repurchase | $ 2.45 billion |
| Net loans and leases | $ 317.47 billion |
| Loan loss allowance | $ 4.79 billion |
| Trading account assets | $ 2.36 billion |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 30.99 million |
| Goodwill and other intangibles | $ 14.84 billion |
| All other assets | $ 28.32 billion |
| Total Assets | $ 507.35 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $ 428.99 billion |
| Interest-bearing deposits | $ 320.13 billion |
| Deposits held in domestic offices | $ 428.49 billion |
| % insured (estimated) | 56.07% |
| Federal funds purchased and repurchase agreements | $ 1,128.75 million |
| Trading liabilities | $ 5.03 billion |
| Other borrowed funds | $ 20.62 billion |
| Subordinated debt | $ 3.12 billion |
| All other liabilities | $ 10.35 billion |
| Total Liabilities | $ 507.35 billion |
| Shareholders’ Equity | $ 50.12 billion |
Summary Income Statement
December 31, 2024| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 24.20 billion |
| Total Interest Expense | $ 9.72 billion |
| Net interest income | $ 14.48 billion |
| Provision for loan and lease losses | $ 742.04 million |
| Total non interest income | $ 6.77 billion |
| Total non interest expense | $ 13.42 billion |
| Pre-tax Net Operating Income | $ 3.38 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 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 | 21.65 | ✓ | ||
| Multifamily Mortgages |
2.90 | ✓ | ||
| Credit Card Loans | 1.83 | ✓ | ||
| Consumer Auto Loans | 4.83 | ✓ | ||
| Small Business Loans | 0.68 | ✓ | ||
| Construction and Development Loans | 2.33 | ✓ | ||
| Commercial Real Estate | 9.07 | ✓ | ||
| Commercial and Industrial Loans | 39.07 | ✓ | ||
| Farm Loans | 0.04 | ✓ | ||
Customer Reviews for PNC Bank, National Association
GAM
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.
Is this review helpful? Yes:4 / No: 7
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