PNCPNC Financial Services
- Headquarters
- Pittsburgh, PA
- CEO
- William S. Demchak
- Next results
- around Jan 15, 2027
Numbers that matter for banks, which general screens compare wrongly. Some come from the 10-K's XBRL. The rest are quoted from the company's own filings, because there is no standard tag for them: the sentence is the source.
Net interest margin
2.9% 10-Q filed 2026-11-03What the bank earns on loans and securities minus what it pays on deposits, as % of earning assets.
“Net interest margin (non-GAAP) (a) 2.94 % 2.96 % 2.79 % 2.95 % 2.79 %”
Read it in the filing ↗
Efficiency ratio
59.9% fiscal year to Dec 31, 2025Non-interest expense as % of revenue. Lower is leaner.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 67.7% | 62.4% | 65.2% | 62.7% | 59.9% |
XBRL: NoninterestExpense, 0000713676-26-000020; InterestIncomeExpenseNet, 0000713676-26-000020; NoninterestIncome, 0000713676-26-000020
Loans to deposits
74.2% fiscal year to Dec 31, 2025How much of its deposits the bank has lent out.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 62.0% | 73.6% | 75.2% | 73.1% | 74.2% |
XBRL: FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss, 0001628280-26-069377; Deposits, 0001628280-26-069377
Return on tangible common equity
13.3% fiscal year to Dec 31, 2025Net income over common equity without goodwill and intangibles (net income is before preferred dividends, so this runs a little high for banks with preferred stock).
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| 12.1% | 16.4% | 12.8% | 12.6% | 13.3% |
XBRL: NetIncomeLossAvailableToCommonStockholdersBasic, 0000713676-26-000020; StockholdersEquity, 0001628280-26-069377; PreferredStockValue, 0001628280-26-069377; Goodwill, 0001628280-26-069377
Net interest income
$14.4B fiscal year to Dec 31, 2025Interest earned minus interest paid.
| FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| $10.6B | $13.0B | $13.9B | $13.5B | $14.4B |
XBRL: InterestIncomeExpenseNet, 0000713676-26-000020
Work on PNC in a spreadsheet:
Excel workbook (a sheet per section, ten years by column, charts, links to the filings) ·
CSV.
For a Google Sheet that stays up to date, paste =IMPORTDATA("https://tickdelta.com/company/PNC/export.csv") into a cell.