Other

Time deposit accounts (including certificates of deposits) in denominations that met or exceeded the insured limit

PNC Financial Services Time deposit accounts (including certificates of deposits) in denominations that met or exceeded the insured limit increased by 7.6% to $9.90B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 7.6%, from $9.20B to $9.90B. Over 4 years (FY 2021 to FY 2025), Time deposit accounts (including certificates of deposits) in denominations that met or exceeded the insured limit shows an upward trend with a 6.5% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.

Analysis

StatementBalance Sheet Statement
SectionOther
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ4 2021
Last reportedQ4 2025

How to read this metric

Higher levels indicate a larger reliance on sophisticated or institutional depositors who may be more prone to withdrawing funds during volatility.

Detailed definition

This metric tracks the portion of time deposits that exceed the standard government-backed insurance limits per deposito...

Peer comparison

Commonly monitored by regulators and analysts to assess the stickiness of the deposit base relative to peer banks.

Metric ID: other_time_deposit_liability_above_us_insurance_limit

Historical Data

5 periods
 Q4 '21Q4 '22Q4 '23Q4 '24Q4 '25
Value$7.70B$10.40B$7.30B$9.20B$9.90B
QoQ Change—+35.1%-29.8%+26.0%+7.6%
YoY Change—+35.1%-29.8%+26.0%+7.6%
Range$7.30B – $10.40B
CAGR+28.6%
Avg YoY Growth+9.7%
Median YoY Growth+16.8%
Current Streak2 quarters growth

Frequently Asked Questions

What is PNC Financial Services's time deposit accounts (including certificates of deposits) in denominations that met or exceeded the insured limit?
PNC Financial Services (PNC) reported time deposit accounts (including certificates of deposits) in denominations that met or exceeded the insured limit of $9.90B in Q4 2025.
How has PNC Financial Services's time deposit accounts (including certificates of deposits) in denominations that met or exceeded the insured limit changed year-over-year?
PNC Financial Services's time deposit accounts (including certificates of deposits) in denominations that met or exceeded the insured limit increased by 7.6% year-over-year, from $9.20B to $9.90B.
What is the long-term trend for PNC Financial Services's time deposit accounts (including certificates of deposits) in denominations that met or exceeded the insured limit?
Over 4 years (2021 to 2025), PNC Financial Services's time deposit accounts (including certificates of deposits) in denominations that met or exceeded the insured limit has grown at a 6.5% compound annual growth rate (CAGR), from $7.70B to $9.90B.
What does time deposit accounts (including certificates of deposits) in denominations that met or exceeded the insured limit mean?
The amount of customer time deposits that are not covered by standard government deposit insurance.