Net Interest Income
PNC Financial Services Net Interest Income increased by 6.2% to $3.96B in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 14.0%, from $3.48B to $3.96B. Over 4 years (FY 2021 to FY 2025), Net Interest Income shows an upward trend with a 7.9% CAGR. This is a positive signal — higher values indicate stronger performance for this metric.
Analysis
How to read this metric
An increase typically signals effective balance sheet management, growth in the loan portfolio, or a favorable interest rate environment, while a decrease may indicate margin compression or a decline in earning assets.
Detailed definition
Net interest income represents the difference between the interest earned on interest-bearing assets, such as loans and...
Peer comparison
Peers in the regional banking sector typically report this as a primary revenue line item, with variations driven by the specific mix of commercial versus retail lending and the sensitivity of their deposit base to market interest rates.
is_net_interest_incomeHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $2.58B | $2.86B | $2.86B | $2.80B | $3.05B | $3.48B | $3.68B | $3.59B | $3.51B | $3.42B | $3.40B | $3.26B | $3.30B | $3.41B | $3.52B | $3.48B | $3.56B | $3.65B | $3.73B | $3.96B |
| QoQ Change | — | +10.7% | +0.2% | -2.0% | +8.8% | +13.9% | +6.0% | -2.7% | -2.1% | -2.6% | -0.4% | -4.1% | +1.2% | +3.3% | +3.3% | -1.3% | +2.3% | +2.6% | +2.3% | +6.2% |
| YoY Change | — | — | — | — | +18.2% | +21.7% | +28.7% | +27.9% | +15.0% | -1.6% | -7.6% | -9.0% | -5.9% | -0.2% | +3.5% | +6.5% | +7.7% | +7.0% | +5.9% | +14.0% |
Business Segments — Retail Banking
| Segment | Q2 '24 | Q3 '24 |
|---|---|---|
| Retail Banking | $2.72B | $2.79B |
| Total | $3.30B | $3.41B |
Retail Banking was previously reported and has since been discontinued or reclassified. Only currently active segments are shown in the chart.
Business Segments — Retail Banking1
| Segment | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Asset Management Group | $156.00M | $157.00M | $153.00M | $151.00M | $184.00M | $179.00M | $176.00M | $189.00M |
| All Other Segments | -$1.03B | -$1.03B | — | — | — | — | — | — |
| Corporate Institutional Banking | $1.61B | $1.52B | — | — | — | — | — | — |
| Retail Banking1 | $2.67B | $2.62B | — | — | — | — | — | — |
| Total | $3.40B | $3.26B | $3.30B | $3.41B | $3.48B | $3.56B | $3.65B | $3.96B |
All Other Segments, Asset Management Group, Corporate Institutional Banking, Retail Banking1 were previously reported and have since been discontinued or reclassified. Only currently active segments are shown in the chart.
Business Segments — Retail Banking
| Segment | Q4 '25 |
|---|---|
| Retail Banking | $3.00B |
| Corporate & Institutional Banking | $1.83B |
| Asset Management Group | $170.00M |
| Total | $3.73B |
Net Interest Income at Other Companies
Frequently Asked Questions
- What is PNC Financial Services's net interest income?
- PNC Financial Services (PNC) reported net interest income of $3.96B in Q1 2026.
- How has PNC Financial Services's net interest income changed year-over-year?
- PNC Financial Services's net interest income increased by 14.0% year-over-year, from $3.48B to $3.96B.
- What is the long-term trend for PNC Financial Services's net interest income?
- Over 4 years (2021 to 2025), PNC Financial Services's net interest income has grown at a 7.9% compound annual growth rate (CAGR), from $10.65B to $14.41B.
- What does net interest income mean?
- The profit a bank makes from the difference between the interest it earns on loans and the interest it pays on deposits.