PNC FINANCIAL SERVICES GROUP, INC.
For the period ended Mar 31, 2026. Filed May 5, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Mar 31, 2026 · Filed May 5, 2026
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Loans
Effective January 1, 2026, PNC updated its defined loan classes (classes of financing receivables) as follows: (i) equipment lease financing loans were reclassified to the commercial and industrial loan class based on similarities in the manner in which credit risk is monitored and assessed within these portfolios, as well as materiality considerations, and (ii) education loans were reclassified to the other consumer loan class based on materiality considerations. All impacted disclosures have been updated accordingly, and prior periods have been adjusted to conform with the current presentation.
Table 8: Loans
| March 31 · December 31 · Change | ||||
|---|---|---|---|---|
| Dollars in millions | 2026 | 2025 | $ | % |
| Commercial | ||||
| Commercial and industrial | $221,190 | $202,898 | $18,292 | 9% |
| Commercial real estate | 34,770 | 29,565 | 5,205 | 18% |
| Total commercial | 255,960 | 232,463 | 23,497 | 10% |
| Consumer | ||||
| Residential real estate | 49,567 | 43,760 | 5,807 | 13% |
| Home equity | 26,223 | 25,941 | 282 | 1% |
| Automobile | 16,325 | 16,591 | (266) | (2)% |
| Credit card | 7,069 | 7,014 | 55 | 1% |
| Other consumer | 5,779 | 5,712 | 67 | 1% |
| Total consumer | 104,963 | 99,018 | 5,945 | 6% |
| Total loans | $360,923 | $331,481 | $29,442 | 9% |
Commercial loans increased due to growth in the commercial and industrial portfolio, reflecting new production and higher utilization of loan commitments as well as the addition of FirstBank loans.
Consumer loans increased driven by the benefit of acquired FirstBank residential mortgage loans.
For additional information regarding our loan portfolio see the Credit Risk Management portion of the Risk Management section in this Financial Review and Note 4 Loans and Related Allowance for Credit Losses.
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