PNC FINANCIAL SERVICES GROUP, INC.
For the period ended Jun 30, 2026. Filed Aug 5, 2026.
View on SEC.govAbout this filing
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.
Jun 30, 2026 · Filed Aug 5, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Consumer FDMs
The following table presents information about our consumer FDMs:
Table 57: Consumer FDMs (a)(b)
| Three months ended June 30 | Six months ended June 30 | |||
|---|---|---|---|---|
| Dollars in millions | 2026 | 2025 | 2026 | 2025 |
| Modifications by type (c) | ||||
| Payment delay | $59 | $65 | $93 | $91 |
| Repayment plan | 15 | 18 | 29 | 35 |
| Other (d) | 12 | 12 | 23 | 22 |
| Total consumer | $86 | $95 | $145 | $148 |
| Percentage of portfolio segment | 0.08% | 0.10% | 0.14% | 0.15% |
| Financial effects (c) (e) | ||||
| Weighted-average payment delay (months) | 8 | 6 | 9 | 6 |
| Twelve months ended June 30 | ||
|---|---|---|
| Dollars in millions | 2026 | 2025 |
| Delinquency status (f) | ||
| Current or less than 30 days past due | $57 | $56 |
| 30-59 days past due | 4 | 4 |
| 60-89 days past due | 3 | 4 |
| 90 days or more past due | 6 | 7 |
| Nonperforming loans | 155 | 167 |
| Total | $225 | $238 |
(a)Represents amortized cost basis.
(b)The unfunded lending related commitments on consumer FDMs granted were immaterial during the three and six months ended June 30, 2026 and 2025.
(c)Excludes the amortized cost basis and financial effect of modified loans that were paid off, charged-off or otherwise liquidated as of the period end date.
(d)Represents all other modifications and includes trial modifications and loans where we have received notification that a borrower has filed for Chapter 7 bankruptcy relief, but specific instructions as to the terms of the relief have not been formally ruled upon by the court.
(e)Repayment plans are excluded from financial effects because of varying terms offered in these plans. Credit card and unsecured lines of credit programs both offer short-term and fully-amortized repayment plans, impacting terms and interest rates. Home equity programs offer a fixed payment plan, establishing a modified monthly payment based primarily on the borrower’s financial situation and the current market environment.
(f)Loans in our Payment Delay category are reported as past due in accordance with their contractual terms. Once contractually modified, these loans are reported as past due in accordance with their restructured terms.
We generally consider FDMs to have subsequently defaulted when they become 60 days past due after the most recent date the loan
was modified. Consumer loans that were both (i) classified as FDMs, and (ii) subsequently defaulted during the three and six months ended June 30, 2026 were $31 million and $51 million, respectively. Comparable amounts at June 30, 2025 were $21 million and $48 million, respectively.
68 The PNC Financial Services Group, Inc. –Form 10-Q
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.