PNC Community Benefits Plan

PNC Surpasses Pledge

Community Benefits Plan Delivers $119.3 Billion

At the close of 2025, PNC marked the successful completion of its ambitious four-year Community Benefits Plan (CBP) launched January 1, 2022, and concluded December 31. Surpassing our original $88 billion commitment with $119.3 billion in capital investments, loans and philanthropic support, PNC expanded homeownership, small business growth and community revitalization initiatives in low- and moderate-income (LMI) communities nationwide

$119.3 Billion

Delivered

$79.7B

Cumulative home lending

$19.4B

Cumulative small business lending

$20.1B

Cumulative community financing

$522.2M

Cumulative grants & charitable support

Our Results

As of December 31, 2025, PNC deployed $119.3 billion toward the plan, representing nearly 136 percent of the total commitment.

CBP ComponentsOverall CommitmentsTotal Deployed in 2025
Total Deployed since the
CBP Inception (2022 - 2025)
Home lending$47 billion$23 billion$79.7 billion
Small business lending$26.5 billion$4.8 billion$19.4 billion
Community Financing$14.5 billion$5.9 billion$20.1 billion
Total$88 billion$33.8 billion$119.3 billion
Grants and charitable support
$500 million$140.7 million$522.2 million[1]

PNC Community Benefits Report

Community Benefits Plan Progress Report

Our Action

Supporting Home Lending & Affordable Homeownership

At PNC, we know that homeownership is one of life’s biggest decisions, and we are here to support individuals and families through that important process. That means doing our best to enhance homeownership opportunities for all, including LMI borrowers. Our flexible products, programs and wide variety of down payment options help customers buy and stay in their homes.

Expanding Financial Access for Small Business

A commitment to advance small business growth remains at the forefront of our efforts to expand access to capital to support entrepreneurs and small business owners in LMI and rural communities.

Community Financing

Loans and investments to support affordable rental housing, commercial revitalization and economic development efforts in LMI communities.

Grants and Charitable Support

Recognizing that we’re only as strong as the communities we serve, PNC’s charitable giving includes philanthropic grants, mortgage assistance, and sponsorships to support individuals and local organizations focused on education, affordable housing, economic opportunity and financial wellness since 2022.

Providing Financial Access

At PNC, we’re dedicated to helping our customers progress confidently in their financial journeys. Ensuring financial access to our comprehensive range of convenient products helps customers manage their money at through every phase of life and financial aspiration.

placeholder

From bilingual financial education workshops to educational resources for students, we’re committed to delivering the most relevant insights and learning opportunities for helping customers better understand their finances and make sound decisions.

Mobile branches are able to accommodate nearly all transactions a client can expect in any of our branches, and the regular, year-round visits to low- to moderate-income (LMI) communities build trust and are a clear demonstration of our main street approach to banking.

Read how Mobile Branches provide better banking access and promote economic empowerment

Ensuring financial access also means helping customers avoid losing money by eliminating non-sufficient funds (NSF) fees and enhancing products and services such as PNC's Low Cash Mode®, which helps our customers do just that with the alerts, payments control and extra time to avoid overdraft fees.

Providing financial access for unbanked and underbanked individuals is one of our top priorities. Our Foundation Checking Account meets the Bank On National Account Standards for low costs and fees, no overdraft fees and customer friendly features.

PNC provides homeownership opportunities – including for LMI and minority borrowers – through flexible products, programs and a wide variety of down payment options to help customers buy and stay in their homes.

PNC’s commitment to affordable housing extends beyond homeownership. We also recognize the growing need to build and preserve rental housing that is affordable for LMI households, and to revitalize communities that have seen historic disinvestment.

The work of PNC Multifamily Capital also advances efforts to promote economic equality by providing affordable housing where it is most needed and supporting New Markets Tax Credit (NMTC) projects that provide critical services in communities lacking investment.

In addition, PNC’s Supplier Engagement and Development program is a strategic initiative designed to offer opportunities to a wide range of qualified suppliers, from small to large, to compete for business.


Community Advisory Council

Under our national Community Benefits Plan, PNC committed to forming an advisory council comprised of appointed local executives, community leaders, representatives of nonprofit organizations and other community stakeholders from across our footprint. The national Community Advisory Council provides ongoing guidance for the bank's community lending, investment, and service efforts in support of PNC's four-year Community Benefits Plan. Its members meet semi-annually to discuss emerging areas of community needs, and to collaborate with PNC to advance our home lending, small business lending and community investment commitments as outlined in the Community Benefits Plan.

Insights

Running Your Business

Is Your Business Ready for the Next Fraud Attempt? A Controls Checklist

A practical checklist of payment and account safeguards, from approval workflows to payment controls, to help small business owners reduce fraud risk.

4 min read

Business Planning

What Is an S Corp? Definition, Tax Benefits & Requirements

Discover what an S corporation is, how it offers pass-through taxation, and why it could optimize your small business taxes while protecting personal assets.

6 min read

Business Planning

Business Succession Planning: Protect What You've Built

What happens when it’s time to step back? See how a few smart steps can help safeguard the business you’ve built.

01:10 min video

Manage Business Finances

What Is EBITDA? Meaning, Calculation & Business Insights

EBITDA helps measure business profitability. Learn what EBITDA means, how to calculate it, and why it matters for small business owners and lenders.

6 min read

Stories & Trends

Q4 2026 Economic Outlook for Small Business

Gus Faucher, Chief Economist at PNC, provides a high-level economic outlook for small businesses through Quarter 4 of 2026.

1 min video

Growing Your Business

Scaling Your Business: A Smarter Approach to Growth

Growth can be exciting. The plan behind it shouldn’t be. Learn how a disciplined approach can help your business grow sustainably.

1 min video

Additional Resources

Annual Community Benefits Plan Progress Report

Get an overview of our Community Benefits Plan – performance, approach and progress toward our four-year plan.

PNC Foundation

Learn how we collaborate with community-based nonprofit organizations in order to enhance educational opportunities, and to promote the growth of communities through economic development initiatives.

Small Business

Learn about how we reduce barriers to banking services, expand access to credit and capital, and support the growth of small businesses.

Corporate Responsibility

Get an overview of our progress toward our commitments to all of our stakeholders.