PNC Bank, National Association
Wilmington, Delaware, New Castle County
$610B in total assets, the 8th largest of 4,309 US banks and 1st of 25 headquartered in Delaware.
- FDIC certificate
- 6384
- Established
- 1804
- Owned by
- Pnc Finl Services Group Inc
- Primary regulator
- OCC
- Website
- www.pnc.com
At a glance
Compared with 31 US banks with over $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $610B | 77% | $251B | |
| Loans | $370B | 81% | $144B | |
| Deposits | $458B | 77% | $212B | |
| Return on assets | 1.37% | 74% | 1.20% | |
| Net interest margin | 3.15% | 55% | 3.14% | |
| Efficiency ratio | 59.2% | 68% | 54.8% | |
| Equity to assets | 10.36% | 61% | 9.69% | |
| Loans to deposits | 81% | 68% | 73% |
Growth
Total assets grew 6.1% a year over the last 5 years and 5.7% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jun 2026 | FirstBank Lakewood, CO, an affiliate under the same holding company | $29.4B |
| Oct 2021 | BBVA USA Birmingham, AL, an affiliate under the same holding company | $87.2B |
| Mar 2012 | RBC Bank (USA) Raleigh, NC | $27.2B |
| Nov 2009 | National City Bank Cleveland, OH, an affiliate under the same holding company | $132B |
| Aug 2009 | PNC Bank, Delaware Wilmington, DE, an affiliate under the same holding company | $3.2B |
| Aug 2009 | Dwelling House Savings and Loan Association Pittsburgh, PA | $13M |
| Aug 2008 | BLC Bank N. A. Strasburg, PA, an affiliate under the same holding company | $3.7B |
| Mar 2008 | The Yardville National Bank Yardville, NJ, an affiliate under the same holding company | $2.8B |
| Sep 2007 | Farmers & Mechanics Bank Frederick, MD, an affiliate under the same holding company | $2.0B |
| Sep 2007 | The Citizens National Bank Laurel, MD, an affiliate under the same holding company | $1.5B |
| Sep 2007 | Mercantile Eastern Shore Bank Chestertown, MD, an affiliate under the same holding company | $604M |
| Sep 2007 | Mercantile County Bank Elkton, MD, an affiliate under the same holding company | $998M |
| Sep 2007 | Mercantile Southern Maryland Bank Leonardtown, MD, an affiliate under the same holding company | $1.0B |
| Sep 2007 | Mercantile-Safe Deposit and Trust Company Baltimore, MD, an affiliate under the same holding company | $8.6B |
| Sep 2007 | The National Bank of Fredericksburg Fredericksburg, VA, an affiliate under the same holding company | $485M |
| Sep 2007 | Marshall National Bank and Trust Company Marshall, VA, an affiliate under the same holding company | $209M |
| Sep 2007 | Mercantile Peninsula Bank Selbyville, DE, an affiliate under the same holding company | $1.9B |
| Sep 2007 | The Annapolis Banking and Trust Company Annapolis, MD, an affiliate under the same holding company | $493M |
| Sep 2007 | Westminster Union Bank Westminster, MD, an affiliate under the same holding company | $930M |
| May 2005 | Riggs Bank National Association Mclean, VA | $5.8B |
| May 2005 | (unknown, CERT 58102) , PA | $2M |
| Mar 2004 | United Trust Bank Bridgewater, NJ | $2.9B |
| Mar 2001 | PNC Advisors, National Association Boston, MA, an affiliate under the same holding company | $15M |
| Nov 2000 | PNC Converted Bank, National Association Pittsburgh, PA, an affiliate under the same holding company | $1.5B |
| Dec 1997 | PNC Bank, Ohio, National Association Cincinnati, OH, an affiliate under the same holding company | $3.8B |
| Dec 1997 | P N C Bank, Indiana, Inc. New Albany, IN, an affiliate under the same holding company | $635M |
| Dec 1997 | PNC Bank, Kentucky, Inc. Louisville, KY, an affiliate under the same holding company | $4.9B |
| Nov 1997 | PNC Mortgage Bank, National Association Pittsburgh, PA, an affiliate under the same holding company | $1.5B |
| Sep 1996 | PNC Bank, National Association Pittsburgh, PA, an affiliate under the same holding company | $43.2B |
| Oct 1995 | Chemical Bank New Jersey, National Association Chester, NJ | $5.4B |
| Oct 1995 | PNC Bank, New Jersey, National Association Philadelphia, PA, an affiliate under the same holding company | $4M |
| Jun 1995 | Bank and Trust Company of Old York Road Willow Grove, PA | $226M |
| Aug 1994 | Continental Bank Norristown, PA | $3.6B |
| Jun 1994 | First Eastern Bank, National Association Wilkes-Barre, PA | $2.0B |
| Jan 1994 | United Federal Savings Bank State College, PA | $895M |
| Aug 1993 | The First Bank and Trust Company of Mechanicsburg, Pa. Mechanicsburg, PA, an affiliate under the same holding company | $178M |
| Aug 1993 | CCNB Bank, National Association Camp Hill, PA, an affiliate under the same holding company | $1.1B |
| Aug 1993 | The Hershey Bank Hershey, PA, an affiliate under the same holding company | $228M |
| Jun 1993 | PNC Bank, Northeast PA Wilkes-Barre, PA, an affiliate under the same holding company | $2.0B |
| Apr 1993 | Marine Bank Warren, PA, an affiliate under the same holding company | $2.8B |
| Sep 1991 | Midlantic National Bank/North West Paterson, NJ | $3.5B |
| Jan 1991 | Midlantic National Bank/Delaware Wilmington, DE | $8M |
| Jan 1991 | First Federal Savings and Loan Association of Pittsburgh Pittsburgh, PA | $3.1B |
| Jul 1989 | Midlantic National Bank/South Mount Laurel, NJ | $2.3B |
| Jul 1989 | Midlantic National Bank/Merchants Neptune Township, NJ | $1.5B |
| Apr 1988 | Midlantic National Bank/Sussex & Merchants Newton, NJ | $240M |
| Dec 1986 | The Bridgeville Trust Company Bridgeville, PA | $151M |
| Dec 1982 | The County Trust Company Somerset, PA | n/a |
| Dec 1976 | Midlantic National Bank/West Morristown, NJ | n/a |
| Aug 1975 | The Second National Bank of Connellsville Connellsville, PA | n/a |
| Nov 1974 | Blairsville National Bank Blairsville, PA | n/a |
| Mar 1974 | Millburn-Short Hills Bank Millburn, NJ | n/a |
| Oct 1973 | Farmers' Bank & Trust Company of Indiana, Pa. Indiana, PA | n/a |
Where they operate
2401 branches in 512 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Allegheny County, PA | $91.3B | 52.0% | 1 of 31 |
| Middlesex County, NJ | $17.4B | 31.0% | 1 of 41 |
| Philadelphia County, PA | $14.2B | 18.9% | 3 of 37 |
| Cook County, IL | $10.4B | 2.2% | 10 of 90 |
| Cuyahoga County, OH | $9.9B | 8.8% | 2 of 27 |
| Oakland County, MI | $9.6B | 12.4% | 5 of 29 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 324 branches since 2016 (2,725 to 2,401, −11.9%). 198 opened, 679 acquired, 1,201 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 2,725 | |||
| 2016 | Opened 15 in 12 statesClosed 134 in 15 states | 15 | 134 | −119 | 2,606 |
| 2017 | Opened 5 in 5 statesClosed 67 in 15 states | 5 | 67 | −62 | 2,544 |
| 2018 | Opened 9 in 7 statesClosed 97 in 15 states | 9 | 97 | −88 | 2,456 |
| 2019 | Opened 12 in 8 statesClosed 79 in 17 states | 12 | 79 | −67 | 2,389 |
| 2020 | Opened 22 in 5 statesClosed 177 in 17 states | 22 | 177 | −155 | 2,234 |
| 2021 | Acquired BBVA USAOpened 34 in 11 states, closed 141 in 17 states | 618 | 141 | +477 | 2,711 |
| 2022 | Opened 14 in 7 statesClosed 122 in 18 states | 14 | 122 | −108 | 2,603 |
| 2023 | Opened 33 in 15 statesClosed 240 in 20 states | 33 | 240 | −207 | 2,396 |
| 2024 | Opened 12 in 8 statesClosed 75 in 19 states | 12 | 75 | −63 | 2,333 |
| 2025 | Opened 30 in 10 statesClosed 43 in 16 states | 30 | 43 | −13 | 2,320 |
| 2026 through Q2 | Acquired FirstBankOpened 12 in 4 states, closed 26 in 13 states | 107 | 26 | +81 | 2,401 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 32% | 18% | |
| 1-4 family residential | 21% | 19% | |
| Commercial real estate | 7% | 7% | |
| Consumer | 7% | 20% | |
| Multifamily | 4% | 3% | |
| Construction and land | 1% | 2% | |
| Other | 28% | 31% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 69% | 71% | |
| Noninterest-bearing | 23% | 16% | |
| Time deposits | 7% | 13% |
Brokered deposits are 0.4% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.79% | 0.86% |
| Net charge-offs, annualized | 0.24% | 0.37% |
| Reserves to loans | 1.26% | 1.49% |
| Leverage ratio | 8.98% | 9.49% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Delaware
Largest competitors in Allegheny County, PA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/pnc