BlastPoint's Banking Scorecard
PNC Bank, National Association
Titans
Specialty: Commercial
DE
FDIC cert 6384
Wilmington, DE
16
banks in Titans tier nationally
2 in DE
View Titans leaderboard (DE) →
PNC Bank, National Association faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 1% in Titans
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$568.3B
+2.2% YoY
+0.8% QoQ
|
-$384.0B |
$952.4B
-3.6% YoY
|
$70.8B
-0.9% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$329.0B
+5.2% YoY
+1.8% QoQ
|
-$89.4B |
$418.5B
-0.2% YoY
|
$38.1B
+1.1% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$450.7B
+3.9% YoY
+2.5% QoQ
|
-$289.1B |
$739.8B
-3.8% YoY
|
$56.7B
+1.4% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
1.30%
+16.5% YoY
+4.5% QoQ
|
+0.18% |
1.11%
+7.2% YoY
|
2.49%
+4.3% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
3.03%
+6.1% YoY
+0.8% QoQ
|
+0.56% |
2.47%
+1.2% YoY
|
4.25%
-12.2% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
57.53%
-2.4% YoY
-0.2% QoQ
|
+1.66% |
55.86%
+1.9% YoY
|
56.99%
-1.1% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
0.90%
-15.0% YoY
+5.2% QoQ
|
+0.04% |
0.86%
-12.4% YoY
|
1.71%
-0.6% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
73.01%
+1.2% YoY
-0.7% QoQ
|
+17.33% |
55.68%
+5.4% YoY
|
76.04%
+10.2% YoY
|
78.04%
+0.7% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
22.53%
-1.8% YoY
+1.0% QoQ
|
+7.73% |
14.80%
-14.8% YoY
|
24.33%
-1.0% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.56%
-6.4% YoY
+5.7% QoQ
|
+0.12% |
0.44%
-9.5% YoY
|
0.35%
-1.4% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
11.91%
+0.5% YoY
-0.4% QoQ
|
-3.61% |
15.52%
+8.4% YoY
|
13.96%
+2.6% YoY
|
9.75%
-1.9% YoY
|
Bottom 12% in tier |
| Non-Interest Income / Assets ? |
1.37%
-2.1% YoY
+35.6% QoQ
|
+0.11% |
1.25%
-5.5% YoY
|
2.13%
+17.1% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Capital Thin
risk
#1 of 4 · Bottom 1% in Titans
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
11.91%
(Tier: 15.52%, National: 9.75%)
4 of 4 Titans banks match
·
505 nationally
→ Stable
+11 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
81
81th pctile
Loan-to-Deposit Ratio
Current: 73.01% · Tier avg: 55.68%
69
69th pctile
Return on Assets
Current: 1.30% · Tier avg: 1.11%
69
69th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 2.47%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 22.53% · Tier avg: 14.80%
69
69th pctile
Non-Interest Income / Assets
Current: 1.37% · Tier avg: 1.25%
62
62th pctile
Total Loans
Current: $329.0B · Tier avg: $418.5B
62
62th pctile
Total Deposits
Current: $450.7B · Tier avg: $739.8B
56
56th pctile
Total Assets
Current: $568.3B · Tier avg: $952.4B
44
44th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.86%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.44%
25
25th pctile
Efficiency Ratio
Current: 57.53% · Tier avg: 55.86%
12
12th pctile
Tier 1 Capital Ratio
Current: 11.91% · Tier avg: 15.52%
Top Weaknesses
12
12th pctile
Tier 1 Capital Ratio
Current: 11.91% · Tier avg: 15.52%
25
25th pctile
Efficiency Ratio
Current: 57.53% · Tier avg: 55.86%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.44%
44
44th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.86%
56
56th pctile
Total Assets
Current: $568.3B · Tier avg: $952.4B
62
62th pctile
Total Deposits
Current: $450.7B · Tier avg: $739.8B
62
62th pctile
Total Loans
Current: $329.0B · Tier avg: $418.5B
69
69th pctile
Non-Interest Income / Assets
Current: 1.37% · Tier avg: 1.25%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 22.53% · Tier avg: 14.80%
69
69th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 2.47%
69
69th pctile
Return on Assets
Current: 1.30% · Tier avg: 1.11%
81
81th pctile
Loan-to-Deposit Ratio
Current: 73.01% · Tier avg: 55.68%