www.pnc.com

Report from 7/22/2026, 10:38:09 AM https://www.pnc.com
Latest run · lab, cold cache
52
7/22/2026
28-day score · p75 · the standard
5/7 runs — building history (nightly)

Scored by v3 · source-of-truth hashes: score db860d6ac94e · thresholds e94f8b33e500 — verifiable against the canonical scorer.

The 28-day score is the p75 of nightly runs — the stable number to cite. Deterministic metrics (CRR/SSD/TC) show their latest value (they move only when the site changes); timing (TTFUT) and answer-fidelity (AF) are smoothed by 28-day p75 — the same lab-vs-field split Core Web Vitals uses. Synthetic daily measurement, not real-user field data.

Core Agent Vitals badge  Embed this badge

Show your agent-readiness score anywhere — it links back to this report.

[![Core Agent Vitals](https://agentvitals.dev/badge/pnc.com.svg)](https://agentvitals.dev/results?url=https%3A%2F%2Fwww.pnc.com)
<a href="https://agentvitals.dev/results?url=https%3A%2F%2Fwww.pnc.com"><img src="https://agentvitals.dev/badge/pnc.com.svg" alt="Core Agent Vitals" height="20"></a>
What AI tells your customers about youAgent confidence: LOW
🟡Business namePNC Bank · guessed from page text (no structured data)
Categorynot found
Pricenot applicable · not applicable to this page type
Locationnot applicable · not applicable to this page type
Hoursnot applicable · not applicable to this page type
Productsnot applicable · not applicable to this page type
🟡DescriptionPNC Bank offers a wide range of personal banking services including checking and savings accounts, credit cards, mortgage loans, auto loans and much more. · guessed from page text (no structured data)

An agent is likely to fabricate missing details rather than say “I don’t know”. 0/3 applicable facts come from machine-readable structured data.

52
Overall score
weighted CAV (0–100)
FAIL
0–4950–8990–100

Metrics

87%
CRR Content Recovery Needs work
0.31
SSD Semantic Signal Density Poor
1,521 tok
TC Token Cost Good
50 ms
TTFUT Time to First Useful Token N/A

Token Cost breakdown

Where the page's tokens go (≈9,792 across regions). 64% is non-content — chrome and boilerplate an agent pays for. Add landmark roles (main/nav/header/footer) so agents can skip it.

Content
35.5% · 3,481
Chrome (nav / header / footer)
43.2% · 4,232
Boilerplate (cookie / ad)
8.1% · 798
Other
13.1% · 1,281

Final screenshot

Final screenshot of https://www.pnc.com

Diagnostics

high SSD Low signal-to-noise for agents

content vs chrome/boilerplate

Evidencesignal 0.53 · JSON-LD 0/1 · missing: structured-data
ImpactAgent spends tokens parsing nav/boilerplate instead of content.
Effort30–90 min

Fix: Wrap the real content in <main>/<article>, cut repeated nav/boilerplate, and keep the primary content dense and early in the DOM.

high TC 64.5% of tokens are non-content (boilerplate/chrome)

agent representation — token decomposition

EvidenceToken decomposition: content 35.5%, chrome 43.2%, boilerplate 8.1%, other 13.1%. Only 35.5% of the agent's tokens are real content.
ImpactAn agent pays for boilerplate on every request and has less context left for the real content.
Effort30–90 min

Fix: Strip repeated nav/header/footer/cookie chrome from the agent-visible output; wrap content in <main>/<article> so the extractor keeps signal and drops boilerplate.

medium CRR Content is hidden behind JavaScript

pre-JS raw HTML

Evidence13% of content requires JS
ImpactA non-rendering agent never sees the JS-injected content.
Effort1–4 h

Fix: Server-render or statically generate the main content so a non-JS agent still receives it; make client rendering a progressive enhancement, not the source of truth.

Rendered profile: headless

Agent Discoverability 62/100 · Needs Work

Access & discovery checks — separate from the gated CAV metrics above. Click an issue for business impact, what we measured, and how to fix. · Take the Agent Readiness course →

Agent files & endpoints

llms.txt Absent at /llms.txt and /.well-known/llms.txt Learn →
robots.txt (AI bots) Major AI bots allowed Learn →
sitemap.xml No /sitemap.xml Learn →
JSON-LD structured data No JSON-LD found Learn →
~ agents.json Absent (emerging standard) Learn →
~ WebMCP endpoint Absent (emerging standard) Learn →
~ OpenAPI / API docs No OpenAPI/Swagger found Learn →

Issues (7)

~ No content-blocking cookie wall medium impact Consent platform: onetrust (verify it doesn't block content)

Business impact A consent wall that hides content until a click is invisible to agents — they cannot click 'Accept'.

What we measured We fingerprint OneTrust, Cookiebot, Usercentrics and similar managers and flag content-blocking ones.

How to fix Use an overlay banner that leaves content in the DOM, not a blocking interstitial.

Spec: https://gdpr.eu/cookies/

llms.txt present high impact Absent at /llms.txt and /.well-known/llms.txt

Business impact llms.txt is the robots.txt for AI: it tells agents what your site is, what matters, and where to find it. Without it AI guesses — and guessing means inaccurate recommendations and lost visibility.

What we measured We fetch /llms.txt and /.well-known/llms.txt and validate the spec (H1 title + a one-line blockquote summary). We also note /llms-full.txt (your full content as Markdown).

How to fix Create /llms.txt with a short summary + key pages; optionally /llms-full.txt with full content in Markdown.

Learn how to implement →

# Your Site
> One-line description for AI agents.

## Key pages
- /products — catalog
- /pricing — plans
- /docs — documentation

Spec: https://llmstxt.org

Structured data (JSON-LD) medium impact No JSON-LD found

Business impact Schema.org JSON-LD tells agents what a page IS (product, article, business) with typed fields (price, rating, hours). Without it agents extract less reliably.

What we measured We parse <script type=application/ld+json>, validate it, and check for populated @type fields.

How to fix Add JSON-LD: Organization/LocalBusiness on the homepage, Product on product pages, Article on posts.

Learn how to implement →

<script type="application/ld+json">{"@context":"https://schema.org","@type":"Organization","name":"Your Co","url":"https://example.com"}</script>

Spec: https://schema.org/

XML sitemap present medium impact No /sitemap.xml

Business impact A sitemap is your table of contents for AI crawlers. Without it agents follow homepage links and miss deep pages (products, docs, pricing) — shrinking what they can recommend.

What we measured We fetch /sitemap.xml (and /sitemap_index.xml), confirm valid XML with <loc> entries, and check <lastmod> freshness.

How to fix Generate an XML sitemap of all public pages with current lastmod dates and reference it in robots.txt.

Learn how to implement →

# robots.txt
Sitemap: https://example.com/sitemap.xml

Spec: https://www.sitemaps.org/

~ agents.json discovery low impact Absent (emerging standard)

Business impact agents.json describes what your site can DO for agents (services, endpoints, capabilities) — an emerging discovery standard. Early adopters get native agent integration.

What we measured We check /agents.json and /.well-known/agents.json for a valid configuration.

How to fix Publish /agents.json describing your site's capabilities and actions.

Learn how to implement →

Spec: https://github.com/wild-card-ai/agents-json

~ WebMCP endpoint low impact Absent (emerging standard)

Business impact WebMCP lets agents call actions on your site directly (book, buy, query) instead of scraping the DOM. Early adopters get native AI-agent interoperability.

What we measured We check /.well-known/webmcp and /webmcp.json for a valid actions array.

How to fix Add a WebMCP endpoint exposing your key actions to agents.

Learn how to implement →

Spec: https://webmcp.org

~ API documentation low impact No OpenAPI/Swagger found

Business impact Programmatic agents prefer a typed API. An OpenAPI/Swagger spec lets them integrate without scraping.

What we measured We probe /openapi.json, /swagger.json, /api-docs and /.well-known/openapi.json.

How to fix Publish an OpenAPI spec at a well-known path.

Learn how to implement →

Spec: https://www.openapis.org/

Passed audits (5)

✓ robots.txt allows AI bots✓ No CAPTCHA wall✓ Machine-readable prices✓ No login wall on public content✓ Server response (TTFB)

Transport & Trust (SEC 1.0.0)

HTTPS, HSTS, CSP, sniffing, referrer and CORS posture. Diagnostic only — this does not affect the CAV score. A security header does not make a page more legible to an agent, so scoring it would reward a CDN toggle that changes nothing an agent can recover. We measure it and say so.

77Transport posture (0–100, unscored)
3pass
2warn
0fail
Per-header findings (6)
HeaderEvidence
✅ HTTPSserved over HTTPS
✅ HSTSmax-age=31536000
⚠️ Content-Security-Policyscript-src allows 'unsafe-inline'
✅ X-Content-Type-Optionsnosniff
⚠️ Referrer-Policyno referrer-policy header (browser default applies)
➖ CORS exposureno CORS headers on the document (normal for an HTML page)
Full profile — how to improve · unused JS · network · timing

How to improve

highSplit the heaviest unused bundlehighest leverage

clientlib-base.min.js — 252 KiB transferred, 65.1% unused

EvidenceCDP JS coverage: 164 KiB of this bundle is never executed on load.
Impact~-164 KiB transfer; lower Token Cost + faster agent parse.
Effort30–90 min
FixDynamic-import() the below-the-fold parts of clientlib-base.min.js, or drop unused dependencies.
highBreak up long main-thread tasks

longest task 394 ms (10 total)

EvidenceMain thread blocked 394 ms by the longest task.
ImpactFaster interactivity + content settling.
Effort1–4 h
FixSplit heavy work, defer third-party scripts, move compute off the main thread.
mediumCut total transfer weight

4.1 MB total

Evidence4.1 MB transferred.
ImpactCheaper, faster fetch on slow links.
Effort1–3 h
FixEnable Brotli, serve WebP/AVIF images, defer non-critical resources.

Third-party impact

63 third-party requests · 792 KiB (18.7% of transfer) · 409 ms main-thread — code an agent must also fetch/run before your content settles. Fewer, lazier third-parties = faster, cheaper agent reads.

Third-party domainReqsTransferMain-thread
facebook.net2188 KiB72 ms
googletagmanager.com1136 KiB55 ms
adobedtm.com3127 KiB64 ms
qualtrics.com10120 KiB
go-mpulse.net257 KiB177 ms
invocacdn.com242 KiB7 ms
licdn.com238 KiB12 ms
pinimg.com232 KiB22 ms
bing.com316 KiB
ads-twitter.com113 KiB
demdex.net17 KiB
pinterest.com86 KiB

Wasted JavaScript (by bundle)

Transfer-accurate — each bundle's transfer size × its unused %, ranked by wasted bytes (the biggest code-splitting wins). Unused JS also inflates Token Cost (TC).

BundleTransferUnusedWasted
https://www.pnc.com/etc.clientlibs/pnc-aem-base/clientlibs/clientlib-base.min.js252 KiB65.1%164 KiB
https://www.pnc.com/etc/designs/pnc-foundation/clientlibs/pnc-foundation.glassBox/js/detector-bootstrap.min.js170 KiB58%98 KiB
https://www.pnc.com/content/dam/pnc-com/oneTrust/scripttemplates/202602.1.0/otBannerSdk.js131 KiB63.4%83 KiB
https://www.googletagmanager.com/gtag/js?id=DC-5263622 3P136 KiB51.5%70 KiB
https://www.pnc.com/etc.clientlibs/clientlibs/granite/jquery-ui.min.js72 KiB86.9%62 KiB
https://assets.adobedtm.com/1d90950c926aacaf003e1e8e48aeb1189d4d7901/satelliteLib-0dbd59624bb8270e8b9358f997c7c8c144a7e2d3.js 3P122 KiB41.3%50 KiB
https://www.pnc.com/ruxitagentjs_ICA7NVfqrux_10337260526121002.js79 KiB59.8%47 KiB
https://connect.facebook.net/en_US/fbevents.js 3P103 KiB45.5%47 KiB
https://www.u44.pnc.com/783807/calc.js?dt=login&r=0.21461059067924926102 KiB39.9%41 KiB
https://www.pnc.com/etc/designs/pnc-foundation/clientlibs/pnc-foundation.glassBox/js/detector-lazy.min.js58 KiB63.7%37 KiB
https://s2.go-mpulse.net/boomerang/4SJE4-K79NK-56ZNE-TYKPF-DZF5S 3P56 KiB58.1%33 KiB
https://www.pnc.com/etc.clientlibs/clientlibs/granite/jquery.min.js38 KiB70.1%27 KiB
https://siteintercept.qualtrics.com/dxjsmodule/CoreModule.js?Q_CLIENTVERSION=2.53.0&Q_CLIENTTYPE=webAdobeLaunch&Q_BRANDID=pncvoiceofcustomer 3P33 KiB78.7%26 KiB
https://siteintercept.qualtrics.com/dxjsmodule/941.769e075aa2ef88969a43.chunk.js?Q_CLIENTVERSION=2.53.0&Q_CLIENTTYPE=web&Q_BRANDID=www.pnc.com 3P38 KiB67.8%26 KiB
https://www.u45.pnc.com/igpr/align.js99 KiB23.1%23 KiB

Network

176Requests
4234 KiBTransferred
58Scripts
18.7%3rd-party
10Long tasks
Script (58)
2098 KiB
Font (9)
1253 KiB
Image (48)
487 KiB
Stylesheet (5)
186 KiB
Document (9)
81 KiB
XHR (23)
59 KiB
Fetch (19)
57 KiB
Other (4)
14 KiB
Ping (1)
0 KiB
Heaviest requests (30)
URLTypeStatusTransfer
https://www.pnc.com/etc.clientlibs/pnc-aem-base/clientlibs/clientlib-fonts/resources/webfonts/fa-light-300.woff2Font200360 KiB
https://www.pnc.com/etc.clientlibs/pnc-aem-base/clientlibs/clientlib-fonts/resources/webfonts/fa-regular-400.woff2Font200337 KiB
https://www.pnc.com/etc.clientlibs/pnc-aem-base/clientlibs/clientlib-fonts/resources/webfonts/fa-solid-900.woff2Font200262 KiB
https://www.pnc.com/etc.clientlibs/pnc-aem-base/clientlibs/clientlib-base.min.jsScript200252 KiB
https://www.pnc.com/_HvS5N/xNNI/iFI/PiG/BmhflNoAsvU/uaV5LNrN1D6rJXw9/UC1IAQ/KCpZG/iVsOGQBScript200188 KiB
https://www.pnc.com/etc.clientlibs/pnc-aem-base/clientlibs/clientlib-base.min.cssStylesheet200172 KiB
https://www.pnc.com/etc/designs/pnc-foundation/clientlibs/pnc-foundation.glassBox/js/detector-bootstrap.min.jsScript200170 KiB
https://www.googletagmanager.com/gtag/js?id=DC-5263622Script200136 KiB
https://www.pnc.com/content/dam/pnc-com/oneTrust/scripttemplates/202602.1.0/otBannerSdk.jsScript200131 KiB
https://assets.adobedtm.com/1d90950c926aacaf003e1e8e48aeb1189d4d7901/satelliteLib-0dbd59624bb8270e8b9358f997c7c8c144a7e2d3.jsScript200122 KiB
https://www.pnc.com/etc.clientlibs/pnc-aem-base/clientlibs/clientlib-fonts/resources/webfonts/fa-brands-400.woff2Font200110 KiB
https://connect.facebook.net/en_US/fbevents.jsScript200103 KiB
https://www.u44.pnc.com/783807/calc.js?dt=login&r=0.21461059067924926Script200102 KiB
https://www.u45.pnc.com/igpr/align.jsScript20099 KiB
https://connect.facebook.net/signals/config/430794811181615?v=2.9.359&r=stable&domain=www.pnc.com&hme=db7c4844507b728f524bbfb5449eda841f7f67300bf2850aee64b78febf25c48&ex_m=107%2C208%2C158%2C22%2C73%2C74%2C149%2C69%2C68%2C11%2C167%2C93%2C16%2C141%2C130%2C39%2C76%2C81%2C137%2C163%2C169%2C26%2C27%2C28%2C30%2C48%2C150%2C78%2C115%2C18%2C20%2C44%2C40%2C42%2C41%2C86%2C95%2C99%2C113%2C148%2C151%2C46%2C114%2C24%2C21%2C122%2C70%2C36%2C153%2C152%2C154%2C145%2C143%2C25%2C35%2C59%2C112%2C165%2C71%2C17%2C156%2C117%2C84%2C67%2C19%2C88%2C89%2C119%2C87%2C139%2C138%2C142%2C164%2C34%2C49%2C116%2C47%2C8%2C4%2C5%2C7%2C6%2C3%2C94%2C104%2C170%2C175%2C222%2C75%2C235%2C234%2C233%2C23%2C33%2C55%2C106%2C61%2C10%2C64%2C100%2C101%2C102%2C108%2C133%2C31%2C29%2C135%2C136%2C132%2C131%2C159%2C77%2C162%2C160%2C161%2C50%2C60%2C126%2C15%2C166%2C45%2C281%2C282%2C280%2C295%2C311%2C215%2C204%2C62%2C205%2C203%2C314%2C305%2C52%2C216%2C110%2C134%2C83%2C124%2C54%2C123%2C129%2C128%2C58%2C65%2C63%2C155%2C79%2C80%2C118%2C37%2C32%2C53%2C56%2C103%2C168%2C1%2C127%2C14%2C125%2C12%2C2%2C57%2C96%2C66%2C121%2C92%2C91%2C171%2C172%2C97%2C98%2C9%2C105%2C51%2C146%2C90%2C82%2C72%2C120%2C109%2C43%2C147%2C0%2C85%2C140%2C144%2C157%2C38%2C111%2C13%2C173Script20085 KiB
https://www.pnc.com/ruxitagentjs_ICA7NVfqrux_10337260526121002.jsScript20079 KiB
https://www.pnc.com/etc.clientlibs/clientlibs/granite/jquery-ui.min.jsScript20072 KiB
https://www.pnc.com/content/dam/pnc-thought-leadership/personal-finance/borrow/pnc_insights_p_tips-paying-student-loan-faster.jpgImage20066 KiB
https://www.pnc.com/etc/designs/pnc-foundation/clientlibs/pnc-foundation.glassBox/js/detector-lazy.min.jsScript20058 KiB
https://s2.go-mpulse.net/boomerang/4SJE4-K79NK-56ZNE-TYKPF-DZF5SScript20056 KiB
https://www.pnc.com/content/dam/pnc-thought-leadership/personal-finance/spend/pnc_insights_p_how-old-open-bank-account.jpgImage20047 KiB
https://www.pnc.com/etc.clientlibs/pnc-aem-base/clientlibs/clientlib-fonts/resources/webfonts/NeulisSans-Medium.otfFont20042 KiB
https://www.pnc.com/etc.clientlibs/pnc-aem-base/clientlibs/clientlib-fonts/resources/webfonts/NeulisSans-Regular.otfFont20042 KiB
https://www.pnc.com/etc.clientlibs/pnc-aem-base/clientlibs/clientlib-fonts/resources/webfonts/NeulisSans-Light.otfFont20042 KiB
https://www.u47.pnc.com/783807/address.jsScript20041 KiB
https://solutions.invocacdn.com/js/invoca-latest.min.jsScript20040 KiB
https://www.pnc.com/content/dam/pnc-thought-leadership/personal-finance/invest/pnc_insights_p_utma-vs-ugma.jpgImage20038 KiB
https://siteintercept.qualtrics.com/dxjsmodule/941.769e075aa2ef88969a43.chunk.js?Q_CLIENTVERSION=2.53.0&Q_CLIENTTYPE=web&Q_BRANDID=www.pnc.comScript20038 KiB
https://www.pnc.com/etc.clientlibs/clientlibs/granite/jquery.min.jsScript20038 KiB
https://www.u47.pnc.com/783807/ethernet.js?r=0.8046234676715439XHR20035 KiB

Long tasks (>50 ms)

StartDuration
647 ms394 ms
2091 ms149 ms
1282 ms137 ms
434 ms127 ms
2652 ms107 ms
2530 ms99 ms
2290 ms92 ms
3856 ms92 ms
1149 ms84 ms
1537 ms79 ms
Analyzing…
running mobile + desktop · ~30s