Fifth Third Bank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Fifth Third Bank, N.A. is an FDIC-insured commercial bank headquartered in Cincinnati, OH, established in 1865 (FDIC certificate 6672), and it is supervised by the OCC. At Q2 2026 it reported total assets of $299.18B, up 42.9% from Q2 2025, the 3rd largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 11.70% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6672
- Headquarters
- Cincinnati, OH
- Established
- 1865
- Total assets, Q2 2026
- $299.18B
- Assets vs Q2 2025
- +42.9%
- CET1 ratio, Q2 2026
- 11.70%
- Domestic offices
- 1,508 FDIC institution directory, current count
- Routing number
- 042000314
- Latest call report
- Q2 2026, FFIEC 031 · Fifth Third Bank, N.A. call report
- Holding company
- FIFTH THIRD FINANCIAL CORPORATION
- Asset rank in state
- 3rd of 154 in Ohio
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 1,508 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 0.84% and a Texas ratio of 4.18%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Fifth Third Bank, N.A. is the 3rd largest of the 154 banks headquartered in Ohio. Between Q1 2026 and Q2 2026, its total assets rose 1.0% to $299.18B, loans rose 1.0% and deposits rose 0.2%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 39.2% of total loans, followed by 1-4 family residential loans at 15.0%. Judged on its Q2 2026 call report, Fifth Third Bank, N.A. meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 1,508 FDIC institution directory, current count
- 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)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Timothy Spence | CEO | Chair, CEO & President |
| Bryan D. Preston | CFO | Chief Financial Officer & EVP |
| James C. Leonard | COO | EVP & Chief Operating Officer |
| Jude Schramm | CIO | EVP & CIO |
| Robert P Shaffer | CRO | EVP and Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Fifth Third Bank, N.A.'s total assets ran between $209.31B (Q2 2025) and $299.18B (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$299.18B total assets against $209.31B; $261.50B total liabilities against $185.67B.
$176.48B net loans and leases against $120.63B; $240.93B total deposits against $167.92B.
$61.64B securities against $49.12B; $23.68B cash and balances due against $15.96B.
$3.38B total interest income against $2.49B; $1.03B total interest expense against $896.0M.
$2.35B net interest income against $1.59B.
$1.07B total noninterest income against $740.0M; $2.10B total noninterest expense against $1.26B.
$129.0M provision for credit losses against $173.0M.
$917.0M net income against $705.0M.
1.22% return on assets against 1.32%; 3.50% net interest margin against 3.27%.
11.70% CET1 capital ratio against 12.87%; 9.99% tier 1 leverage ratio against 10.25%.
Inside the full Fifth Third Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFifth Third Bank, N.A. rankings
Its closest position to the top of a national ranking is 14 of 4,196, for total assets; its furthest is 1,805 of 2,134, for 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
Across the 8 quarters to Q2 2026, its return on assets ran from 0.59% (Q1 2026) to 1.53% (Q4 2025) and its net interest margin ran from 3.13% (Q3 2024) to 3.50% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.70% | 1.22% | 0.84% | 4.18% | 3.50% |
| Q1 2026 | 11.73% | 0.59% | 0.78% | 3.91% | 3.43% |
| Q4 2025 | 13.09% | 1.53% | 0.86% | 3.94% | 3.36% |
| Q3 2025 | 12.95% | 1.34% | 0.78% | 3.76% | 3.33% |
| Q2 2025 | 12.87% | 1.32% | 0.87% | 4.35% | 3.27% |
| Q1 2025 | 12.78% | 1.12% | 0.97% | 4.99% | 3.16% |
| Q4 2024 | 12.86% | 1.30% | 0.85% | 4.43% | 3.16% |
| Q3 2024 | 12.99% | 1.21% | 0.74% | 3.62% | 3.13% |
Swipe the table sideways to see every column.
Branch Network
View all 1,513 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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 | Acquired The Fifth Third Bank of Columbus merger for the acquired bank | SEC |
| December 29, 2000 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 36 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 88 against individuals associated with it
- Period: Most recent action September 29, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 12.0% of deposits in OH, rank 4 of 184 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Fifth Third Bank, N.A. headquartered?
It is headquartered in Cincinnati, OH, United States.
When was Fifth Third Bank, N.A. founded?
It was established in 1865, per the FDIC institution directory.
Is Fifth Third Bank, N.A. FDIC-insured?
Yes. It 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.
What is Fifth Third Bank, N.A.'s CET1 capital ratio?
It 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?
It operates 1,508 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?
Its Texas Ratio is 4.18% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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