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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · Delaware, the state note

PNC Bank National Association

Wilmington, Delaware · $609.77B in assets · beside the 5 other Delaware banks over $10B

The filing

10.4%
Equity / assets
6th of 6
80.7%
Loans / deposits
5th of 6
1.7x
Coverage of noncurrent
5th of 6

PNC Bank National Association is the largest of the 6 Delaware banks over $10B, with $609.77B in assets at 30 June 2026. Loans are 80.7% of deposits, 5th of 6 against a median of 70.0%, and equity is 10.4% of assets, the lowest in the cohort. Loans grew +12.6% in the year, 2nd of 6, and deposits grew 5.7%; the cohort's median loan growth is +0.4%.

Noncurrent loans are 0.74% of the book, 2nd of 6 against a median of 1.39%; 0.28% is 30 to 89 days past due, and the allowance covers them 1.7 times. Net charge-offs are 0.23% of loans, 2nd of 6. Commercial real estate is 9.9% of loans, 3rd of 6 against a median of 12.1%, and 60% of capital, below the 300% screen, with construction at 9% against the 100% screen.

Return on assets is 1.30%, 3rd of 6 against a median of 1.14%, on an efficiency ratio of 60.0%, 4th of 6. Five years ago it was 1.40%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsDE banks over $10B · 30 June 2026 · higher is stronger, listed first
median 12.6% BB Barclays Bank Delaware 13.9% TB TD Bank National Association 13.3% SB Santander Bank N A 13.3% TB TD Bank USA National Association 11.9% WS Wilmington Savings Fund Society 11.7% PB PNC Bank National Association 10.4%
Loans, year over yearDE banks over $10B · 30 June 2026 · no better direction, largest first
median +0.4% SB Santander Bank N A +18.7% PB PNC Bank National Association +12.6% WS Wilmington Savings Fund Society +2.7% TB TD Bank USA National Association -1.9% TB TD Bank National Association -3.6% BB Barclays Bank Delaware -10.0%

SBA 7(a), FY2008 to FY2026

PNC Bank National Association is the 4th largest 7(a) lender into Texas of 706, with $1.70B across 8,154 loans, 3.9% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 559 of its 975 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Harris, TX$293M7th of 3143.6%-0.8 pts
Maricopa, AZ$201M9th of 3032.7%-1.4 pts
Dallas, TX$186M7th of 3143.4%-1.2 pts
Tarrant, TX$154M4th of 2814.1%-1.8 pts
Collin, TX$148M4th of 2615.5%-3.5 pts
Travis, TX$123M4th of 2394.9%-1.9 pts
Bexar, TX$113M3rd of 2375.3%-4.5 pts
Allegheny, PA$89M5th of 1406.9%-0.3 pts
Cook, IL$86M17th of 2821.3%-0.4 pts
Denton, TX$81M4th of 2244.2%-1.1 pts
Pima, AZ$72M2nd of 1406.8%-5.2 pts
Montgomery, TX$70M3rd of 1655.9%-1.4 pts
Williamson, TX$69M4th of 1815.9%-4.8 pts
962 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance3,263$1.70B32.0%3.58%4th of 2,172
Professional & technical services2,888$665M12.6%2.06%7th of 1,955
Accommodation & food services2,247$589M11.1%0.77%31st of 2,596
Retail trade2,455$429M8.1%0.70%27th of 2,589
Other services2,089$403M7.6%1.15%14th of 2,248
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and PNC Bank National Association
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
PNC Bank National AssociationRankCohort median
Total CRE against capital, the 300% screen60%3rd of 662%
Construction against capital, the 100% screen9%3rd of 610%
Construction and land development, share of loans1.4%3rd of 62.0%
Non-owner-occupied nonfarm nonresidential, share of loans4.5%4th of 64.3%
Total CRE, the guidance definition, share of loans9.9%3rd of 612.1%
CRE growth over 36 months, the third prong+2.3%2nd of 6+6.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
PNC Bank National Association$609.77B1.3%60.0%0.74%0.23%1.3%80.7%10.4%
TD Bank National Association$342.80B0.8%66.6%1.11%0.48%1.7%59.6%13.3%
Santander Bank N A$103.96B1.0%50.3%1.84%0.53%3.2%70.1%13.3%
Barclays Bank Delaware$43.45B2.4%55.6%1.67%4.73%8.9%83.7%13.9%
TD Bank USA National Association$32.13B0.4%70.3%2.08%5.50%9.9%32.1%11.9%
Wilmington Savings Fund Society$22.57B1.6%56.8%0.57%0.05%1.3%69.9%11.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
PNC Bank National AssociationCohort median
20212026Change20212026Change
Loans$236.03B$369.51B+57%$37.65B$44.36B+18%
Deposits$375.49B$457.80B+22%$51.14B$59.85B+17%
NPA / loans1.27%0.74%-0.53 pts1.01%1.39%+0.38 pts
Efficiency64.7%60.0%-4.7 pts64.7%58.4%-6.3 pts
ROA1.40%1.30%-0.10 pts1.37%1.14%-0.22 pts

This read was prepared for PNC Bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on PNC Bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort DE banks over $10B
Institution www.pnc.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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