AI-assembled from public SEC filings
Regional banks peer review
Descriptive comparison assembled from public SEC filings and verified companyfacts.
Descriptive comparison — not investment advice. This feature-specific review is assembled from a frozen evidence pack of public SEC filing quotes and verified SEC companyfacts numbers. It is descriptive only and makes no judgment about which company is better. It is not a rating, recommendation, endorsement, forecast, or investment advice. Figures are as of their cited filing dates. See Disclaimer.
Governing statutes (not legal advice)
Descriptive law cross-reference — not legal advice. grepcent publishes a curated industry-to-statute association only. This is not legal advice. It does not interpret statutes, assess company conduct, or mirror statute text. Deep links go to neochart.
Statutes grepcent curates as governing this industry, deep-linked to neochart's official text. Case-citation counts are shown as an importance signal, not the selection criterion. Not legal advice. Citing cases are shown as a case-citation in-degree importance signal, not an endorsement.
- 12 U.S.C. § 24: §24. Corporate powers of associations
- 12 U.S.C. § 1821: § 1821. Insurance Funds
- 12 U.S.C. § 1841: § 1841. Definitions
Methodology
Mechanical regional-bank cluster: U.S. bank holding companies in the existing grepcent universe with SEC SIC 6021 or 6022, latest reported assets between $150 billion and $700 billion, excluding the megabanks JPM/BAC/WFC/C and trust/custody banks BNY/STT/NTRS.
The cluster is selected mechanically from SEC SIC 6021 National Commercial Banks and SIC 6022 State Commercial Banks, then filtered to the large-regional asset band using latest SEC companyfacts total assets already shown on grepcent company pages. The review publishes no proprietary index-membership labels.
Verified Quantitative Matrix
Numbers are templated from frozen SEC companyfacts-derived facts already verified by grepcent. Fiscal periods and filing dates are shown in each cell; comparability markers use day-level period ends and reported XBRL source concepts.
| Metric | PNC | USB | TFC | FITB | KEY | RF | CFG | MTB | HBAN |
|---|---|---|---|---|---|---|---|---|---|
| Net interest income | 14,410,000,000 source · NUM_PNC_NET_INTEREST_INCOME_FY2025 | 16,649,000,000 source · NUM_USB_NET_INTEREST_INCOME_FY2025 | 14,423,000,000 source · NUM_TFC_NET_INTEREST_INCOME_FY2025 | 5,982,000,000 source · NUM_FITB_NET_INTEREST_INCOME_FY2025 | 4,636,000,000 source · NUM_KEY_NET_INTEREST_INCOME_FY2025 | 4,991,000,000 source · NUM_RF_NET_INTEREST_INCOME_FY2025 | 5,853,000,000 source · NUM_CFG_NET_INTEREST_INCOME_FY2025 | 6,948,000,000 source · NUM_MTB_NET_INTEREST_INCOME_FY2025 | 5,991,000,000 source · NUM_HBAN_NET_INTEREST_INCOME_FY2025 |
| Efficiency ratio | 59.89% source · NUM_PNC_EFFICIENCY_RATIO_FY2025 | 58.99% source · NUM_USB_EFFICIENCY_RATIO_FY2025 | 59.43% source · NUM_TFC_EFFICIENCY_RATIO_FY2025 | 57.05% source · NUM_FITB_EFFICIENCY_RATIO_FY2025 | 62.89% source · NUM_KEY_EFFICIENCY_RATIO_FY2025 | 57.31% source · NUM_RF_EFFICIENCY_RATIO_FY2025 | 64.40% source · NUM_CFG_EFFICIENCY_RATIO_FY2025 | 56.69% source · NUM_MTB_EFFICIENCY_RATIO_FY2025 | 61.41% source · NUM_HBAN_EFFICIENCY_RATIO_FY2025 |
| Return on assets Mixed reporting concepts: us-gaap:Assets, us-gaap:NetIncomeLoss, us-gaap:ProfitLoss. Ticker concepts: CFG -> us-gaap:Assets + us-gaap:NetIncomeLoss; FITB -> us-gaap:Assets + us-gaap:NetIncomeLoss; HBAN -> us-gaap:Assets + us-gaap:NetIncomeLoss; KEY -> us-gaap:Assets + us-gaap:NetIncomeLoss; MTB -> us-gaap:Assets + us-gaap:NetIncomeLoss; PNC -> us-gaap:Assets + us-gaap:ProfitLoss; RF -> us-gaap:Assets + us-gaap:NetIncomeLoss; TFC -> us-gaap:Assets + us-gaap:ProfitLoss; USB -> us-gaap:Assets + us-gaap:NetIncomeLoss. | 1.22% source · NUM_PNC_ROA_FY2025 | 1.09% source · NUM_USB_ROA_FY2025 | 0.97% source · NUM_TFC_ROA_FY2025 | 1.18% source · NUM_FITB_ROA_FY2025 | 0.99% source · NUM_KEY_ROA_FY2025 | 1.36% source · NUM_RF_ROA_FY2025 | 0.81% source · NUM_CFG_ROA_FY2025 | 1.34% source · NUM_MTB_ROA_FY2025 | 0.98% source · NUM_HBAN_ROA_FY2025 |
| Return on equity Mixed reporting concepts: us-gaap:NetIncomeLoss, us-gaap:ProfitLoss, us-gaap:StockholdersEquity. Ticker concepts: CFG -> us-gaap:NetIncomeLoss + us-gaap:StockholdersEquity; FITB -> us-gaap:NetIncomeLoss + us-gaap:StockholdersEquity; HBAN -> us-gaap:NetIncomeLoss + us-gaap:StockholdersEquity; KEY -> us-gaap:NetIncomeLoss + us-gaap:StockholdersEquity; MTB -> us-gaap:NetIncomeLoss + us-gaap:StockholdersEquity; PNC -> us-gaap:ProfitLoss + us-gaap:StockholdersEquity; RF -> us-gaap:NetIncomeLoss + us-gaap:StockholdersEquity; TFC -> us-gaap:ProfitLoss + us-gaap:StockholdersEquity; USB -> us-gaap:NetIncomeLoss + us-gaap:StockholdersEquity. | 11.55% source · NUM_PNC_ROE_FY2025 | 11.61% source · NUM_USB_ROE_FY2025 | 8.14% source · NUM_TFC_ROE_FY2025 | 11.61% source · NUM_FITB_ROE_FY2025 | 8.97% source · NUM_KEY_ROE_FY2025 | 11.32% source · NUM_RF_ROE_FY2025 | 6.96% source · NUM_CFG_ROE_FY2025 | 9.77% source · NUM_MTB_ROE_FY2025 | 9.08% source · NUM_HBAN_ROE_FY2025 |
| Common Equity Tier 1 ratio | Quarantined: Only 2 of 9 companies have a verified fact; threshold is 3. | ||||||||
| Total deposits | 440,866,000,000 source · NUM_PNC_TOTAL_DEPOSITS_FY2025 | 522,216,000,000 source · NUM_USB_TOTAL_DEPOSITS_FY2025 | 400,398,000,000 source · NUM_TFC_TOTAL_DEPOSITS_FY2025 | 171,819,000,000 source · NUM_FITB_TOTAL_DEPOSITS_FY2025 | 148,713,000,000 source · NUM_KEY_TOTAL_DEPOSITS_FY2025 | 131,128,000,000 source · NUM_RF_TOTAL_DEPOSITS_FY2025 | 183,313,000,000 source · NUM_CFG_TOTAL_DEPOSITS_FY2025 | 166,909,000,000 source · NUM_MTB_TOTAL_DEPOSITS_FY2025 | 176,610,000,000 source · NUM_HBAN_TOTAL_DEPOSITS_FY2025 |
| Total loans | 331,481,000,000 source · NUM_PNC_TOTAL_LOANS_FY2025 | 391,335,000,000 source · NUM_USB_TOTAL_LOANS_FY2025 | 328,595,000,000 source · NUM_TFC_TOTAL_LOANS_FY2025 | 122,651,000,000 source · NUM_FITB_TOTAL_LOANS_FY2025 | 106,541,000,000 source · NUM_KEY_TOTAL_LOANS_FY2025 | 95,637,000,000 source · NUM_RF_TOTAL_LOANS_FY2025 | 142,692,000,000 source · NUM_CFG_TOTAL_LOANS_FY2025 | Not available. | 149,642,000,000 source · NUM_HBAN_TOTAL_LOANS_FY2025 |
| Nonperforming loans / loans Mixed reporting concepts: us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss, us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual, us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus. Ticker concepts: CFG -> us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss + us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual; FITB -> us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss + us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual; HBAN -> us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss + us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus; RF -> us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss + us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus; TFC -> us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss + us-gaap:FinancingReceivableRecordedInvestmentNonaccrualStatus; USB -> us-gaap:FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss + us-gaap:FinancingReceivableExcludingAccruedInterestNonaccrual. | Not available. | 0.38% source · NUM_USB_NPL_RATIO_FY2025 | 0.48% source · NUM_TFC_NPL_RATIO_FY2025 | 0.65% source · NUM_FITB_NPL_RATIO_FY2025 | Not available. | 0.73% source · NUM_RF_NPL_RATIO_FY2025 | 1.05% source · NUM_CFG_NPL_RATIO_FY2025 | Not available. | 0.62% source · NUM_HBAN_NPL_RATIO_FY2025 |
| Allowance / loans | 1.33% source · NUM_PNC_ALLOWANCE_COVERAGE_FY2025 | 1.94% source · NUM_USB_ALLOWANCE_COVERAGE_FY2025 | 1.53% source · NUM_TFC_ALLOWANCE_COVERAGE_FY2025 | 1.84% source · NUM_FITB_ALLOWANCE_COVERAGE_FY2025 | 1.34% source · NUM_KEY_ALLOWANCE_COVERAGE_FY2025 | 1.63% source · NUM_RF_ALLOWANCE_COVERAGE_FY2025 | 1.36% source · NUM_CFG_ALLOWANCE_COVERAGE_FY2025 | Not available. | 1.70% source · NUM_HBAN_ALLOWANCE_COVERAGE_FY2025 |
| Net charge-offs | 744,000,000 source · NUM_PNC_NET_CHARGE_OFFS_FY2025 | 2,164,000,000 source · NUM_USB_NET_CHARGE_OFFS_FY2025 | Not available. | 738,000,000 source · NUM_FITB_NET_CHARGE_OFFS_FY2025 | Not available. | 513,000,000 source · NUM_RF_NET_CHARGE_OFFS_FY2025 | 684,000,000 source · NUM_CFG_NET_CHARGE_OFFS_FY2025 | 553,000,000 source · NUM_MTB_NET_CHARGE_OFFS_FY2025 | Not available. |
| Total assets | 573,572,000,000 source · NUM_PNC_ASSETS_FY2025 | 692,345,000,000 source · NUM_USB_ASSETS_FY2025 | 547,538,000,000 source · NUM_TFC_ASSETS_FY2025 | 214,376,000,000 source · NUM_FITB_ASSETS_FY2025 | 184,381,000,000 source · NUM_KEY_ASSETS_FY2025 | 158,814,000,000 source · NUM_RF_ASSETS_FY2025 | 226,351,000,000 source · NUM_CFG_ASSETS_FY2025 | 213,510,000,000 source · NUM_MTB_ASSETS_FY2025 | 225,106,000,000 source · NUM_HBAN_ASSETS_FY2025 |
| Book value / equity | 60,585,000,000 source · NUM_PNC_EQUITY_FY2025 | 65,193,000,000 source · NUM_USB_EQUITY_FY2025 | 65,189,000,000 source · NUM_TFC_EQUITY_FY2025 | 21,724,000,000 source · NUM_FITB_EQUITY_FY2025 | 20,381,000,000 source · NUM_KEY_EQUITY_FY2025 | 19,043,000,000 source · NUM_RF_EQUITY_FY2025 | 26,317,000,000 source · NUM_CFG_EQUITY_FY2025 | 29,177,000,000 source · NUM_MTB_EQUITY_FY2025 | 24,342,000,000 source · NUM_HBAN_EQUITY_FY2025 |
Code-computed comparisons
- Reported efficiency ratio range: range endpoints are MTB (56.69%) and CFG (64.40%).
- Return on assets range: range endpoints are CFG (0.81%) and RF (1.36%).
- Total deposits range: range endpoints are RF (131,128,000,000) and USB (522,216,000,000).
Market-risk companion: risk and factor comparison from lmfin. It is descriptive and separate from the SEC fundamentals review.
Narrative Matrix
| Dimension | PNC | USB | TFC | FITB | KEY | RF | CFG | MTB | HBAN |
|---|---|---|---|---|---|---|---|---|---|
| Business model | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | In its latest annual MD&A, TFC describes this business model item. [FACT:Q_TFC_BUSINESS_MODEL_1] Commercial Banking and Small Business Banking generally target small-to-middle market businesses with annual sales between $2 million and $500 million, while Investment Banking and Capital Markets provides lending solutions to large corporate clients. company page · source filing · fact Q_TFC_BUSINESS_MODEL_1 · filed 2026-02-24 | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. |
| Geographic and customer exposure | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. |
| Capital allocation | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. |
| Stated strategy in filings | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | In its latest annual MD&A, FITB describes this stated strategy in filings item. [FACT:Q_FITB_STATED_STRATEGY_1] The Bancorp continues to focus on core deposit growth in its retail and commercial franchises by improving customer satisfaction, building full relationships and offering competitive rates and through its strategy of expanding retail presence in high-growth markets, such as in the Southeast. company page · source filing · fact Q_FITB_STATED_STRATEGY_1 · filed 2026-02-24 | In its latest annual MD&A, KEY describes this stated strategy in filings item. [FACT:Q_KEY_STATED_STRATEGY_1] Key Consumer Bank’s focus on durable, long-term client relationships centered in core checking has been evident through the execution of our strategic priorities through focus areas such as developing a core Consumer relationship product suite and driving long-term deposits and fee income through new and enhanced products and services. company page · source filing · fact Q_KEY_STATED_STRATEGY_1 · filed 2026-02-23 | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. |
| Idiosyncratic risks in filings | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | In its latest annual MD&A, KEY describes this idiosyncratic risks in filings item. [FACT:Q_KEY_IDIOSYNCRATIC_RISKS_1] Our office exposure only represents 4% of commercial real estate loans at period end. company page · source filing · fact Q_KEY_IDIOSYNCRATIC_RISKS_1 · filed 2026-02-23 | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. |
| Recent narrative change | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. | Quarantined: no direct dimension-relevant quote survived the gate. |
Gate summary
Quarantined quantitative rows
- cet1_ratio: Only 2 of 9 companies have a verified fact; threshold is 3.
Quarantined dimensions
- geographic_customer_exposure: No verified cells survived the gate.
- capital_allocation: No verified cells survived the gate.
- recent_narrative_change: No verified cells survived the gate.
Quarantined cells
- PNC / business_model: No direct dimension-relevant quote survived the evidence gate.
- USB / business_model: No direct dimension-relevant quote survived the evidence gate.
- FITB / business_model: No direct dimension-relevant quote survived the evidence gate.
- KEY / business_model: No direct dimension-relevant quote survived the evidence gate.
- RF / business_model: No direct dimension-relevant quote survived the evidence gate.
- CFG / business_model: No direct dimension-relevant quote survived the evidence gate.
- MTB / business_model: No direct dimension-relevant quote survived the evidence gate.
- HBAN / business_model: No direct dimension-relevant quote survived the evidence gate.
- PNC / geographic_customer_exposure: No direct dimension-relevant quote survived the evidence gate.
- USB / geographic_customer_exposure: No direct dimension-relevant quote survived the evidence gate.
- TFC / geographic_customer_exposure: No direct dimension-relevant quote survived the evidence gate.
- FITB / geographic_customer_exposure: No direct dimension-relevant quote survived the evidence gate.
- KEY / geographic_customer_exposure: No direct dimension-relevant quote survived the evidence gate.
- RF / geographic_customer_exposure: No direct dimension-relevant quote survived the evidence gate.
- CFG / geographic_customer_exposure: No direct dimension-relevant quote survived the evidence gate.
- MTB / geographic_customer_exposure: No direct dimension-relevant quote survived the evidence gate.
- HBAN / geographic_customer_exposure: No direct dimension-relevant quote survived the evidence gate.
- PNC / capital_allocation: No direct dimension-relevant quote survived the evidence gate.
- USB / capital_allocation: No direct dimension-relevant quote survived the evidence gate.
- TFC / capital_allocation: No direct dimension-relevant quote survived the evidence gate.
- FITB / capital_allocation: No direct dimension-relevant quote survived the evidence gate.
- KEY / capital_allocation: No direct dimension-relevant quote survived the evidence gate.
- RF / capital_allocation: No direct dimension-relevant quote survived the evidence gate.
- CFG / capital_allocation: No direct dimension-relevant quote survived the evidence gate.