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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Fair Value Option – Fair Value and Principal Balances
Fair values and aggregate unpaid principal balances of items for which we elected the fair value option are as follows:
Table 87: Fair Value Option – Fair Value and Principal Balances
| December 31, 2025 | December 31, 2024 | |||||
|---|---|---|---|---|---|---|
| In millions | Fair Value | Aggregate Unpaid Principal Balance | Difference | Fair Value | Aggregate Unpaid Principal Balance | Difference |
| Assets | ||||||
| Residential mortgage loans held for sale | ||||||
| Accruing loans less than 90 days past due | $641 | $636 | $5 | $588 | $588 | $— |
| Accruing loans 90 days or more past due | 5 | 5 | — | 11 | 11 | — |
| Nonaccrual loans | 14 | 15 | (1) | 29 | 36 | (7) |
| Total | $660 | $656 | $4 | $628 | $635 | $(7) |
| Commercial mortgage loans held for sale (a) (b) | ||||||
| Accruing loans less than 90 days past due | $1,059 | $1,059 | $— | $203 | $200 | $3 |
| Loans | ||||||
| Accruing loans less than 90 days past due | $716 | $796 | $(80) | $494 | $505 | $(11) |
| Accruing loans 90 days or more past due | 159 | 172 | (13) | 126 | 137 | (11) |
| Nonaccrual loans | 237 | 327 | (90) | 536 | 718 | (182) |
| Total | $1,112 | $1,295 | $(183) | $1,156 | $1,360 | $(204) |
| Other assets | $162 | $154 | $8 | $133 | $142 | $(9) |
| Liabilities | ||||||
| Interest-bearing deposits | $3,642 | $3,641 | $1 | $— | $— | $— |
| Other borrowed funds | $31 | $32 | $(1) | $34 | $35 | $(1) |
| Other liabilities with contractual unpaid principal balance | $23 | $25 | $(2) | $28 | $32 | $(4) |
| Other liabilities without contractual unpaid principal balance | $122 | $— | $122 | $106 | $— | $106 |
(a)There were no accruing loans 90 days or more past due within this category at December 31, 2025 or December 31, 2024.
(b)There were no nonaccrual loans within this category at December 31, 2025 or December 31, 2024.
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