PNC FINANCIAL SERVICES GROUP, INC.
For the period ended Dec 31, 2025. Filed Feb 20, 2026.
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FY2025 · Filed Feb 20, 2026
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Accruing Loans Past Due
The following table presents a summary of accruing loans past due by delinquency status:
Table 22: Accruing Loans Past Due (a)
| Amount · % of Total Loans Outstanding | ||||||
|---|---|---|---|---|---|---|
| December 31, 2025 · December 31, 2024 · Change · December 31, 2025 · December 31, 2024 | ||||||
| Dollars in millions · $ · % | ||||||
| Early stage loan delinquencies | ||||||
| Accruing loans past due 30 to 59 days | $660 | $697 | $(37) | (5)% | 0.20% | 0.22% |
| Accruing loans past due 60 to 89 days | 403 | 288 | 115 | 40% | 0.12% | 0.09% |
| Total early stage loan delinquencies | 1,063 | 985 | 78 | 8% | 0.32% | 0.31% |
| Late stage loan delinquencies | ||||||
| Accruing loans past due 90 days or more | 380 | 397 | (17) | (4)% | 0.11% | 0.13% |
| Total accruing loans past due | $1,443 | $1,382 | $61 | 4% | 0.44% | 0.44% |
(a)Past due loan amounts include government insured or guaranteed loans of $0.4 billion at both December 31, 2025 and 2024.
Accruing loans past due 90 days or more continue to accrue interest because they are (i) well secured by collateral and are in the process of collection, (ii) managed in homogeneous portfolios with specified charge-off timeframes adhering to regulatory guidelines, or (iii) certain government insured or guaranteed loans. As such, they are excluded from nonperforming loans.
Loan Modifications
We may provide relief to our customers experiencing financial hardships through a variety of solutions. Commercial loan and lease modifications are based on each individual borrower’s situation, while consumer loan modifications are evaluated under our hardship relief programs. For additional information on our commercial real estate, office-related modification offerings, see the Commercial Real Estate portion of the Credit Risk Management section of this Financial Review.
See Note 3 Loans and Related Allowance for Credit Losses for additional information on loan modifications to borrowers experiencing financial difficulty.
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