FDIC Cert #6384 · Wilmington, Delaware · Est. 1804

PNC Bank, National Association - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$568.3B
Total assets
A
Health grade · Excellent
1.30%
Return on assets
11.9%
Tier 1 capital

Data updated July 2026

The verdict

PNC Bank, National Association earns a PlainBankData health grade of A (80/100), with well-capitalized at 11.91% Tier 1, profitable at 1.30% ROA, efficient (58% cost ratio).

#8
largest of 4,313 FDIC banks by assets
100th
percentile by asset size, nationally
11.91%
Tier 1 ratio - above the 10% well-capitalized line
64th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 6384 · DE A · 80/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MEGA · BOOK-FULL

  • GRADE-A A (80/100)
  • MID-PACK #1904/4307
  • PHOTO-FINISH Peoples Bank · OH
  • TIER1-WELL 11.9% Tier 1
  • TEXAS-CLEAN 4.6% Texas
  • ROA-STRONG 1.30% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside Delaware: Peoples Bank, OH (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around PNC Bank

Lowest and highest poles plus nearest scored peers outside Delaware, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Farmers State Bank · WA · ne…80/100Macon Bank and Trust… · TN ·…80/100Peoples Bank · OH · near80/100PNC Bank, National A… · DE ·…80/100The Huntington Natio… · OH ·…80/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around PNC Bank · July 2026

Plate reading for PNC Bank where failures stay rare

PNC Bank, National Association (FDIC Cert #6384) carries a PlainBankData health grade of A at 80/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,904 of 4,307. Tier 1 capital prints at 11.91%, clearing the 10% well-capitalized line. The Texas Ratio is 4.63%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.30%. Balance-sheet scale is $568.3B, 8th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Peoples Bank (OH), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around PNC Bank

Zero FAILURE resolutions in Delaware since 2000

PNC Bank, National Association is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST REPUBLICBANK DELAWARE NEWARK, DE 1988 → CITIBANK DELAWARE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Delaware banks.

How PNC Bank, National Association's 80/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10080/100
PNC Bank, National Association's composite health score
Tier 1 Capital Ratio (11.91%) 28/40
Return on Assets (ROA) (1.30%) 20/25
Texas Ratio (4.63%) 20/20
Efficiency Ratio (57.53%) 12/15

80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$568.3B

Total balance-sheet footings

Total Deposits

$450.7B

Customer-funded liabilities

Net Loans

$329.0B

Outstanding loan book

Net Income

$7.2B

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.51% 11.91% 13.31%
Basel III capital ratios - PNC Bank, National Association

Where PNC Bank, National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. PNC Bank, National Association's score of 80/100 falls in the highlighted band.

PNC Bank, National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

80 Top 44% higher than 56% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. PNC Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

PNC Bank, National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). PNC Bank, National Association's $568.3B falls in the highlighted band.

Safety metrics: PNC Bank

Tier 1 capital ratio
Well-capitalized 10%

11.91% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.91%
Texas Ratio
4.63%
Equity Capital
$59.4B

What these ratios mean →

Earnings posture at PNC Bank

Return on Assets (ROA)
64th percentile nationally
1.30%
Return on Equity (ROE)
12.79%
Efficiency Ratio
57.53%

What these mean →

Income & expense at PNC Bank

$25.2B
Interest Income
$7.8B
Non-Interest Income
$13.2B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. PNC Bank, National Association reports a Texas Ratio of 4.63% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.63% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View PNC Bank, National Association on FDIC BankFind →

Top banks in Delaware by total assets

Largest banks headquartered in Delaware
  1. 1
    PNC Bank $568.3B

    Wilmington, DE · Grade A

  2. 2
    TD Bank $346.2B

    Wilmington, DE · Grade A

  3. 3
    Santander Bank $104.1B

    Wilmington, DE · Grade A

  4. 4
    Barclays Bank Delaware $47.6B

    Wilmington, DE · Grade B

  5. 5
    TD Bank USA $34.6B

    Wilmington, DE · Grade A

Top 5 banks in Delaware ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to PNC Bank, National Association by assets

PNC Bank, National Association is closely matched in total assets by Truist Bank, Goldman Sachs Bank USA, Capital One, U.S. Bank across 5 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.06%, versus PNC Bank, National Association's own 1.30%; the average efficiency ratio is 55.27%, versus 57.53% here; and average Tier 1 capital sits at 14.41%, versus 11.91% at PNC Bank, National Association. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $568.3B in assets, PNC Bank, National Association sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.

Closest banks to PNC Bank, National Association nationally by total assets
  1. 1
    Truist Bank $539.5B

    Charlotte, NC · Grade A

  2. 2
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  3. 3
    Capital One $658.5B

    Mclean, VA · Grade B

  4. 4
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  5. 5
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  6. 6
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
PNC Bank, National Association (this bank) DE $568.3B 1.30% 57.53% 11.91%
Truist Bank NC $539.5B 1.04% 54.45% 11.78%
Goldman Sachs Bank USA NY $645.0B 1.42% 39.21% 15.63%
Capital One, National Association VA $658.5B 0.55% 52.98% 13.44%
U.S. Bank National Association OH $676.1B 1.18% 55.44% 13.02%
The Bank of New York Mellon NY $381.0B 1.31% 60.76% 16.33%
State Street Bank and Trust Company MA $360.7B 0.83% 68.78% 16.27%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($568.3B here), outside Delaware so the neighborhood is not state containment.

Truist Bank $539.5B · NC Goldman Sachs Bank USA $645.0B · NY Capital One $658.5B · VA U.S. Bank $676.1B · OH

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) PNC Bank, National Association (FDIC Cert #6384) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

PNC Bank, National Association Call Report profile · FDIC Failed Bank List · Delaware FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Delaware

All Delaware banks →
BankAssetsGradeROA
TD Bank, National AssociationWilmington $346.2B A 0.54%
Santander Bank, N.A.Wilmington $104.1B A 1.36%
Barclays Bank DelawareWilmington $47.6B B 0.87%
TD Bank USA, National AssociationWilmington $34.6B A 1.16%
Wilmington Savings Fund Society, FSBWilmington $21.2B A 1.43%
Comenity BankWilmington $7.8B A 4.91%
Wilmington Trust, National AssociationWilmington $773M A 7.95%
Artisans' BankWilmington $715M C 0.48%