Fifth Third Bank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Fifth Third Bank, N.A. is the 14th-largest bank in the United States, with $299.2 billion in assets at June 30, 2026, up 42.9% from a year earlier. It is headquartered in Cincinnati, Ohio, and operates 1,501 domestic branches. It keeps 3.50 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 18 US banks with more than $250 billion in assets (median 2.88 cents). On the other hand, it holds common equity equal to 11.70% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 13.63%).
Earnings jumped: net income for the quarter was $917 million, 30% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $3.3 billion equal 11% of Tier 1 capital, down from 17% a year earlier. Profitability lags: it returns 9.8% a year on shareholders' equity, lower than about three-quarters of banks its size (median 13.4%).
As of June 30, 2026, Fifth Third Bank, N.A. reported a CET1 capital ratio of 11.70%, a return on assets of 1.22%, a nonperforming-loan ratio of 1.03% and a Texas ratio of 4.18%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 38 Fountain Square Plz, Cincinnati, OH 45202
- County
- Hamilton
- Metro Area
- Cincinnati, Oh-KY-In
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1865
- Former names
- Fifth Third Bank (2000-2019); Fifth Third Bank of Western Ohio (1994-2000); The Fifth Third Bank of Western Ohio, National Association (1991-1994); The Fifth Third Bank of Miami Valley, National Association (1989-1991); Citizens Heritage Bank, National Association (1987-1989); The Miami Citizens National Bank & Trust Company (1963-1987)
- Offices
- 1,501 domestic
- Employees (FTE)
- 25,131
- Domestic deposits
- $240.41B
- Allowance for credit losses
- $2.92B
- Net charge-offs (YTD)
- $279.0M
- Average total assets
- $300.15B
- Average total loans
- $175.21B
- Average interest-bearing deposits
- $172.28B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6672
- Fed RSSD
- 723112
- SEC CIK
- 35527 → filed by FIFTH THIRD BANCORP
- Website
- www.53.com →
- Parent Holding Company
- FIFTH THIRD FINANCIAL CORPORATION (RSSD 2990244)
- Ultimate Parent
- FIFTH THIRD BANCORP (RSSD 1070345)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Fifth Third Bank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Fifth Third Bank, N.A., freeFifth Third Bank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Fifth Third Bank, N.A.: Uninsured deposits.
Banks merged into Fifth Third Bank, N.A.
- Comerica Bank, effective February 1, 2026
- Comerica Bank & Trust, N.A., effective February 1, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.70% | 1.22% | 1.03% | 4.18% | 3.50% |
| Q1 2026 | 11.73% | 0.59% | 0.90% | 3.91% | 3.43% |
| Q4 2025 | 13.09% | 1.53% | 1.10% | 3.94% | 3.36% |
| Q3 2025 | 12.95% | 1.34% | 1.06% | 3.76% | 3.33% |
| Q2 2025 | 12.87% | 1.32% | 1.14% | 4.35% | 3.27% |
| Q1 2025 | 12.78% | 1.12% | 1.14% | 4.99% | 3.16% |
| Q4 2024 | 12.86% | 1.30% | 0.99% | 4.43% | 3.16% |
| Q3 2024 | 12.99% | 1.21% | 0.86% | 3.62% | 3.13% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1,513 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Fifth Third Bank, N.A. (main office) | Cincinnati , OH | 45202 | $32.85B |
| Penobscot Building Branch | Detroit , MI | 48226 | $14.80B |
| San Jose Main | San Jose , CA | 95113 | $3.66B |
| Rosemont Branch | Rosemont , IL | 60018 | $2.67B |
| 222 S. Riverside Branch | Chicago , IL | 60606 | $1.97B |
| Manhattan Beach Branch (Bc #926) | Manhattan Beach , CA | 90266 | $1.68B |
| Beverly Hills Branch | Beverly Hills , CA | 90210 | $1.66B |
| 02515 Oak Lawn Bc Branch | Oak Lawn , IL | 60453 | $1.57B |
| Comerica Bank Branch | Dallas , TX | 75201 | $1.50B |
| Fifth Third Bank, Indiana | Indianapolis , IN | 46204 | $1.41B |
| Fifth Third Center Branch | Grand Rapids , MI | 49503 | $1.40B |
| San Francisco Embarcadero Branch | San Francisco , CA | 94111 | $1.33B |
| Century City Branch | Los Angeles , CA | 90067 | $1.26B |
| Fifyh Third Center Charlotte | Charlotte , NC | 28281 | $1.16B |
| Columbus Branch | Columbus , OH | 43215 | $1.15B |
| Oak Brook Branch | Oak Brook , IL | 60523 | $1.11B |
| Park Road Branch | Charlotte , NC | 28209 | $1.10B |
| South Gulch Bc Branch | Nashville , TN | 37203 | $1.07B |
| Tampa Main Banking Center | Tampa , FL | 33602 | $966.6M |
| Maple Road Branch | Indianapolis , IN | 46205 | $964.0M |
| Detroit Eastside Banking Center Branch | Detroit , MI | 48205 | $861.2M |
| Dayton Branch | Dayton , OH | 45402 | $859.8M |
| Fifth Third Center | Cleveland , OH | 44114 | $840.5M |
| Michigan-American Road Branch | Dearborn , MI | 48126 | $786.9M |
| Pelican Bay Branch | Naples , FL | 34108 | $725.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 1, 2026 | M&A | Acquired Comerica Investment Services, Inc. merger for the acquired bank | SEC |
| September 1, 2026 | Structure Change | Acquired Comerica Investment Services, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2026 | M&A | Acquired Comerica Leasing Corporation merger for the acquired bank | SEC |
| August 1, 2026 | Structure Change | Acquired Comerica Leasing Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2026 | M&A | Acquired Comerica Bank merger for the acquired bank | SEC |
| February 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2026 | Structure Change | Acquired Comerica Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2024 | M&A | Acquired Ashland Management Agency, LLC merger for the acquired bank | SEC |
| December 1, 2024 | Structure Change | Acquired Ashland Management Agency, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2023 | M&A | Acquired Provide, Inc merger for the acquired bank | SEC |
| October 1, 2023 | Structure Change | Acquired Provide, Inc Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2023 | M&A | Acquired Dividend Solar Finance LLC merger for the acquired bank | SEC |
| August 1, 2023 | Structure Change | Acquired Dividend Solar Finance LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 4, 2019 | M&A | Acquired MB Financial Bank, National Association merger for the acquired bank | SEC |
| May 4, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 4, 2019 | Structure Change | Acquired MB Financial Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 3, 2019 | M&A | Acquired MB Equipment Finance, LLC merger for the acquired bank | SEC |
| May 3, 2019 | Structure Change | Acquired MB Equipment Finance, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 1, 2019 | M&A | Acquired Fifth Third Equipment Finance Company merger for the acquired bank | SEC |
| February 1, 2019 | Structure Change | Acquired Fifth Third Equipment Finance Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 2019 | M&A | Acquired Fifth Third Mortgage Company merger for the acquired bank | SEC |
| January 2, 2019 | Structure Change | Acquired Fifth Third Mortgage Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 30, 2009 | M&A | Acquired Fifth Third Bank merger for the acquired bank | SEC |
| September 30, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 30, 2009 | Structure Change | Acquired Fifth Third Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 29, 2003 | M&A | Acquired Fifth Third Processing Solutions merger for the acquired bank | SEC |
| August 29, 2003 | Structure Change | Acquired Fifth Third Processing Solutions Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2002 | M&A | Acquired Usb, Inc. merger for the acquired bank | SEC |
| December 31, 2002 | Structure Change | Acquired Usb, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 21, 2001 | M&A | Acquired Cbna Building Company merger for the acquired bank | SEC |
| December 21, 2001 | Structure Change | Acquired Cbna Building Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 10, 2001 | M&A | Acquired Capital Bank National Association merger for the acquired bank | SEC |
| March 10, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 10, 2001 | Structure Change | Acquired Capital Bank National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 29, 2000 | M&A | merger | SEC |
| December 29, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 29, 2000 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 37 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Fifth Third Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 87 against individuals associated with it
- Period: Most recent action December 17, 2025. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 12.0% of deposits in OH, rank 4 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 82,755 applications, 39,534 loans originated, $7.99B originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 393 loans, $268.1M approved, $682K average. 2.80% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Fifth Third Bank, N.A.
What are Fifth Third Bank, N.A.'s total assets?
As of the Q2 2026 filing, Fifth Third Bank, N.A. reported total assets of $299.18 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Fifth Third Bank, N.A. headquartered?
Fifth Third Bank, N.A. is headquartered in Cincinnati, OH, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Fifth Third Bank, N.A. founded?
Fifth Third Bank, N.A. was established in 1865, per the FDIC institution directory.
Is Fifth Third Bank, N.A. FDIC-insured?
Yes. Fifth Third Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #6672). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Fifth Third Bank, N.A.?
Fifth Third Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Fifth Third Bank, N.A.'s CET1 capital ratio?
Fifth Third Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 11.70% in its Q2 2026 call report, above regulatory requirements.
How many branches does Fifth Third Bank, N.A. operate?
Fifth Third Bank, N.A. operates 1,501 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Fifth Third Bank, N.A.'s Texas Ratio?
Fifth Third Bank, N.A.'s Texas Ratio is 4.18% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Fifth Third Bank, N.A. previously called?
The charter now named Fifth Third Bank, N.A. has also operated as Fifth Third Bank (2000-2019), Fifth Third Bank of Western Ohio (1994-2000), The Fifth Third Bank of Western Ohio, National Association (1991-1994), The Fifth Third Bank of Miami Valley, National Association (1989-1991), Citizens Heritage Bank, National Association (1987-1989), The Miami Citizens National Bank & Trust Company (1963-1987), per FDIC structure-change records.
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