5. PNC Financial Services ( PNC) One to four family mortgage loans as a percentage of total assets: 19.8 Analysts are generally very bullish on PNC, ranking it 4.57 on a scale of one to five, according to consensus data from Bloomberg. A recent report from Sandler O'Neill following PNC's first quarter earnings report argues the bank "delivered a standout performance" in a difficult quarter for the banking industry. "The quarter itself was strong on several fronts, management came across as very confident on full-year guidance, we are increasing our forward expectations, and the company has preserved more revenue momentum than its peers have," Sandler's analysts wrote, adding that "PNC leaves the first quarter having further distanced itself from most regional banks and taken a place among the few unique, positive surprises of the earnings season. We continue to think very highly of the story, we find the valuation compelling, and we reiterate our BUY rating," they wrote. According to Sandler's report, PNC management projects distressed assets will drop by 25% in 2011, which is roughly the same rate as the previous year. "Excluding distressed portfolio runoff, modest loan growth is expected in 2011, with most of the increase coming from commercial loans," Sandler's report states.