Pnc Bank National Assn: Bank Stress & Real-Estate Credit Exposure

Pnc Bank National Assn (FDIC Cert #6384) carries a DLRadar bank-stress score of 63/100, a elevated reading of the credit and balance-sheet pressure weighing on the institution. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

Pnc Bank National Assn's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 11,206 ZIP codes Pnc Bank National Assn lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Because Pnc Bank National Assn is held under Pnc Finl Services Group Inc, its financials are open to scrutiny and its trend can be independently checked. The combination of a elevated reading and a sprawling footprint is what makes Pnc Bank National Assn worth watching as a supply signal. Because Pnc Bank National Assn is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 63/100 reading stays current and directly comparable — a like-for-like number across 28 states and against any other institution. The recent trend is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. County by county, that footprint includes Los Angeles County, CA, Cook County, IL, Harris County, TX, Maricopa County, AZ, among others DLRadar tracks parcel by parcel. Pnc Bank National Assn runs a sprawling, nationally dispersed real-estate lending footprint — 510 U.S. counties across 28 states, spanning 11,206 ZIP codes. The deepest footprints are Texas (57 counties), North Carolina (55 counties), Ohio (54 counties), Pennsylvania (36 counties).

For buyers, lender stress is an early map of supply: when Pnc Bank National Assn pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. That lets you move ahead of the market, with each number sourced from public federal filings.