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
Contents
Summarized Balance Sheet Data
Table 7: Summarized Balance Sheet Data
| December 31 · December 31 · Change | ||||
|---|---|---|---|---|
| Dollars in millions | 2025 | 2024 | $ | % |
| Assets | ||||
| Interest-earning deposits with banks | $32,936 | $39,347 | $(6,411) | (16)% |
| Loans held for sale | 1,939 | 850 | 1,089 | 128% |
| Investment securities | 138,240 | 139,732 | (1,492) | (1)% |
| Loans | 331,481 | 316,467 | 15,014 | 5% |
| Allowance for loan and lease losses | (4,410) | (4,486) | 76 | 2% |
| Mortgage servicing rights | 3,659 | 3,711 | (52) | (1)% |
| Goodwill | 10,959 | 10,932 | 27 | —% |
| Other | 58,768 | 53,485 | 5,283 | 10% |
| Total assets | $573,572 | $560,038 | $13,534 | 2% |
| Liabilities | ||||
| Deposits | $440,866 | $426,738 | $14,128 | 3% |
| Borrowed funds | 57,101 | 61,673 | (4,572) | (7)% |
| Allowance for unfunded lending related commitments | 818 | 719 | 99 | 14% |
| Other | 14,151 | 16,439 | (2,288) | (14)% |
| Total liabilities | 512,936 | 505,569 | 7,367 | 1% |
| Equity | ||||
| Total shareholders’ equity | 60,585 | 54,425 | 6,160 | 11% |
| Noncontrolling interests | 51 | 44 | 7 | 16% |
| Total equity | 60,636 | 54,469 | 6,167 | 11% |
| Total liabilities and equity | $573,572 | $560,038 | $13,534 | 2% |
Our balance sheet was well positioned at December 31, 2025. In comparison to December 31, 2024:
Total assets increased primarily due to higher loan balances, partially offset by lower balances held with the FRB.
Total liabilities increased driven by higher deposit balances, partially offset by lower borrowed funds.
Total equity increased due to the benefit of net income and an improvement in AOCI, partially offset by dividends paid and common shares repurchased.
The following discussion provides additional information about the major components of our balance sheet. Information regarding our ACL related to total loans is included in the Credit Risk Management section and Critical Accounting Estimates and Judgments section of this Item 7, Note 1 Accounting Policies and Note 3 Loans and Related Allowance for Credit Losses. Information regarding our capital and regulatory compliance is included in the Liquidity and Capital Management portion of the Risk Management section of this Item 7 and in Note 19 Regulatory Matters.
40 The PNC Financial Services Group, Inc. –2025 Form 10-K
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