U.S. BANK NATIONAL ASSOCIATION

CINCINNATI, OH | National | Est. July 13, 1863, midnight | FDIC #6548 | RSSD #504713 | OCC
Latest Report: 2025-12-31

U.S. BANK NATIONAL ASSOCIATION is ann national FDIC-insured commercial bank headquartered in CINCINNATI, OH, established in July 13, 1863, midnight. As of 2025-12-31, the bank reported total assets of $676.1B and total deposits of $533.5B. Profitability stands at 1.27% ROA and 12.73% ROE, with a net interest margin of 2.79%. The bank's CET1 capital ratio is 13.02%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.39% and a Texas Ratio of 2.08%. FDIC Certificate #6548.

Assets

$676.1B

Deposits

$533.5B

Loans

$393.9B

Equity

$68.0B

Profitability

Return on Assets (ROA) 1.27%
Return on Equity (ROE) 12.73%
Net Interest Margin (NIM) 2.79%
Yield on Assets 4.80%
Cost of Funds 2.41%

Asset Quality

NPL Ratio 0.39%
Net Charge-Off Ratio 0.55%
Texas Ratio 2.08%
NPA Ratio 0.23%
ACL / Loans 1.93%

Capital & Liquidity

CET1 Ratio 13.02%
Tier 1 Capital 13.11%
Total Capital Ratio 15.12%
Leverage Ratio 9.38%
Loan-to-Deposit 73.83%

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