PNC FINANCIAL SERVICES GROUP, INC.
For the period ended Dec 31, 2025. Filed Feb 20, 2026.
View on SEC.govAbout this filing
A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Feb 20, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Home Equity Loan Statistics
The following table presents certain key statistics related to our home equity portfolio:
Table 19: Home Equity Loan Statistics
| December 31, 2025 · December 31, 2024 | ||||||
|---|---|---|---|---|---|---|
| Dollars in millions · Amount · % of Total · Amount · % of Total | ||||||
| Geography (a) | ||||||
| Pennsylvania | $4,330 | 17% | $4,504 | 17% | ||
| New Jersey | 3,136 | 12 | 3,153 | 12 | ||
| Florida | 2,239 | 9 | 2,239 | 9 | ||
| Ohio | 2,106 | 8 | 2,145 | 8 | ||
| California | 1,794 | 7 | 1,743 | 7 | ||
| Texas | 1,407 | 5 | 1,299 | 5 | ||
| Maryland | 1,202 | 5 | 1,209 | 5 | ||
| Michigan | 1,132 | 4 | 1,166 | 4 | ||
| Illinois | 1,025 | 4 | 1,032 | 4 | ||
| North Carolina | 1,006 | 4 | 1,001 | 4 | ||
| Other | 6,564 | 25 | 6,500 | 25 | ||
| Total home equity loans | $25,941 | 100% | $25,991 | 100% | ||
| Lien type | ||||||
| 1st lien | 46% | 49% | ||||
| 2nd lien | 54 | 51 | ||||
| Total | 100% | 100% | ||||
| December 31, 2025 · December 31, 2024 | ||||||
| Weighted-average loan origination statistics (b) | ||||||
| Loan origination FICO score | 777 | 773 | ||||
| LTV of loan originations | 61% | 62% | ||||
(b)Weighted-averages calculated for the twelve months ended December 31, 2025 and 2024, respectively.
Automobile
As of December 31, 2025 total auto loans of $16.6 billion were comprised of $15.6 billion in the indirect auto portfolio and $1.0 billion in the direct auto portfolio. At December 31, 2024, comparable amounts were $15.4 billion, $14.4 billion and $1.0 billion, respectively. The indirect auto portfolio consists of loans originated primarily through independent franchised dealers. This business is strategically aligned with our core retail banking business. For the total auto loan portfolio, the weighted-average loan origination FICO score, calculated using the auto enhanced FICO scale, was 799 and the weighted-average term of loan originations was 71 months for the twelve months ended December 31, 2025. Comparable amounts for the twelve months ended December 31, 2024 were 793 and 71 months, respectively.
We offer both new and used auto financing to customers through our various channels. The portfolio balance was composed of 43% new vehicle loans and 57% used vehicle loans at both December 31, 2025 and 2024.
The auto loan portfolio’s performance is measured monthly, including both updated collateral values and FICO scores that are obtained at least quarterly. For internal reporting and risk management, we analyze the portfolio by product channel and product type and regularly evaluate default and delinquency experience. As part of our overall risk analysis and monitoring, we segment the portfolio by geography, channel, collateral attributes and credit metrics which include FICO score, LTV and term.
Nonperforming Assets and Loan Delinquencies
Nonperforming Assets
Nonperforming assets include nonperforming loans and leases, OREO, foreclosed and other assets. Nonperforming loans are those loans accounted for at amortized cost whose credit quality has deteriorated to the extent full collection of contractual principal and interest is not probable. Loans held for sale, certain government insured or guaranteed loans and loans accounted for under the fair value option are excluded from nonperforming loans. See Note 1 Accounting Policies for details on our nonaccrual policies.
58 The PNC Financial Services Group, Inc. –2025 Form 10-K
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.