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U.S. Bank vs. PNC Bank: how the two banks compare
U.S. Bank has about 16% more total assets than PNC Bank, according to FDIC call report data as of 06/30/2026. PNC Bank operates more offices (2,419 vs. 2,095), and the two banks overlap in 16 states and territories where both have branches.
This comparison uses only public FDIC BankFind data. It does not rank or recommend either bank, and it does not cover account rates, fees, apps, or customer service. Both banks are trademarks of their owners; BankNearMe.com is not affiliated with either.
Side-by-side FDIC data
| U.S. Bank | PNC Bank | |
|---|---|---|
| Legal name | U.S. Bank National Association | PNC Bank, National Association |
| FDIC certificate | #6548 | #6384 |
| Main office (charter address) Where the bank is chartered, not necessarily its corporate headquarters | Cincinnati, OH | Wilmington, DE |
| Established Per FDIC records | 1863 | 1804 |
| Holding company As listed by the FDIC | U S BCORP | PNC FINL SERVICES GROUP INC |
| Primary federal regulator | Office of the Comptroller of the Currency (OCC) | Office of the Comptroller of the Currency (OCC) |
| Total assets | $705.6B | $609.8B |
| Total deposits | $541.9B | $457.8B |
| Net income, year to date Through 06/30/2026 | $4.2B | $4.0B |
| Return on assets (ROA) Annualized | 1.23% | 1.32% |
| Return on equity (ROE) Annualized | 12.38% | 12.59% |
| Offices | 2,095 | 2,419 |
| Deposits per office Total deposits divided by offices | $259M | $189M |
| States and territories with branches Including D.C. | 29 | 28 |
Financial data from the 06/30/2026 FDIC call report; branch locations from the FDIC BankFind locations index (updated 2026-11-06). Dollar figures are rounded.
Where each bank has branches
Both banks (16): Arizona, California, Colorado, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Missouri, New Mexico, North Carolina, Ohio, Tennessee, Texas, Wisconsin
Only U.S. Bank (13): Arkansas, Idaho, Iowa, Minnesota, Montana, Nebraska, Nevada, North Dakota, Oregon, South Dakota, Utah, Washington, Wyoming
Only PNC Bank (12): Alabama, Delaware, District of Columbia, Maryland, Massachusetts, Michigan, New Jersey, New York, Pennsylvania, South Carolina, Virginia, West Virginia
Branch counts in the top 15 states
| State | U.S. Bank | PNC Bank |
|---|---|---|
| California | 562 | 56 |
| Ohio | 160 | 219 |
| Texas | 3 | 327 |
| Illinois | 152 | 148 |
| Pennsylvania | 0 | 263 |
| Colorado | 102 | 109 |
| Florida | 3 | 203 |
| New Jersey | 0 | 174 |
| Missouri | 129 | 27 |
| Kentucky | 69 | 67 |
| Washington | 136 | 0 |
| Arizona | 56 | 71 |
| Michigan | 0 | 124 |
| Maryland | 0 | 116 |
| Oregon | 114 | 0 |
Counts are FDIC-reported branch locations by state. To see the specific branches near you, search U.S. Bank locations or search PNC Bank locations by ZIP or city.
What these numbers mean
- Total assets measure overall size: loans, securities, and cash the bank holds.
- Return on assets shows how much profit a bank earns per dollar of assets; return on equity shows profit relative to shareholders' capital. Both are annualized figures from the call report.
- Office count is a rough guide to in-person access, but what matters most is whether a branch is near where you live and work.
- Size doesn't change FDIC coverage. Every insured bank's deposits are covered up to $250,000 per depositor, per bank, per ownership category.
What FDIC data doesn't tell you
Account APYs, monthly fees, overdraft policies, ATM networks, and app quality aren't in FDIC data. Compare those on each bank's own disclosures, and check today's national average savings and CD rates or the best nationwide CD rates before you choose. Our CD calculator and savings calculator show what a given APY earns.
Frequently asked questions
Which is bigger, U.S. Bank or PNC Bank?
By total assets, U.S. Bank is larger: $705.6B vs. $609.8B for PNC Bank, as of the 06/30/2026 FDIC call report. By deposits it is $541.9B for U.S. Bank and $457.8B for PNC Bank.
Which has more branches, U.S. Bank or PNC Bank?
PNC Bank reports 2,419 offices to the FDIC, compared with 2,095 for U.S. Bank. U.S. Bank has branches in 29 states and territories (including D.C.) and PNC Bank in 28.
Are U.S. Bank and PNC Bank FDIC-insured?
Yes. U.S. Bank National Association (FDIC Cert #6548) and PNC Bank, National Association (FDIC Cert #6384) are both active FDIC-insured banks. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, so money at the two banks is insured separately.
Is U.S. Bank or PNC Bank better for me?
FDIC data shows size, reach, and financial results, not account rates, fees, or service quality. Compare the specific account's APY, monthly fees, minimums, and the branches near you, and check the national averages on our rates page.
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Sources: FDIC BankFind Suite API (institutions and locations), U.S. Bank on FDIC BankFind, PNC Bank on FDIC BankFind; deposit insurance limits from FDIC.gov. Educational only; not financial advice.