Q3 FY26 · Ended Sep 30, 2026 · View SEC filing
Depositors took a smaller cut as loans earned more
Interest income rose while deposit costs fell, so the spread PNC keeps grew 15.3%, faster than revenue.
For investorsWhat the wider spread depends on from here
For foundersWhy operating accounts make clients hard to leave
Borrowed funds carried 35.7% of interest expense, up from 31.2%, so wholesale money is a growing part of funding.
Revenue rose 10.94% against 8.38% for noninterest expense, and pre-tax income rose faster than either.
Card and cash management is PNC's largest fee line, and most uninsured deposits sit with multi-product commercial clients.
Unlock the financial breakdown, competitive insights, historical trends and founder playbook, plus research across the company library.
Free CXProWealth membership required
Business Lens describes PNC Financial Services from its own filings with the SEC. It is not a view on its shares, a target, or advice to buy, sell or hold anything; figures are as filed and may be restated by the company later. The filing is linked above.
