U.S. Bank N.A.
BankRegReports is independent of U.S. Bank N.A. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
U.S. Bank N.A. is an FDIC-insured commercial bank headquartered in Cincinnati, OH, established in 1863 (FDIC certificate 6548), and it is supervised by the OCC. At Q2 2026 it reported total assets of $705.55B, up 5.1% from Q2 2025, the 2nd largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 12.91% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6548
- Headquarters
- Cincinnati, OH
- Established
- 1863
- Total assets, Q2 2026
- $705.55B
- Assets vs Q2 2025
- +5.1%
- CET1 ratio, Q2 2026
- 12.91%
- Domestic offices
- 2,097 FDIC institution directory, current count
- Routing number
- 042000013
- Latest call report
- Q2 2026, FFIEC 031 · U.S. Bank N.A. call report
- Holding company
- U.S. BANCORP
- Asset rank in state
- 2nd of 154 in Ohio
U.S. Bank N.A. is the 6th-largest bank in the United States, with $705.6 billion in assets at June 30, 2026, up 5.1% from a year earlier. It is headquartered in Cincinnati, Ohio, and operates 2,097 domestic branches. It holds about half of its deposits (52%) above the FDIC insurance limit, higher than about three-quarters of the 18 US banks with $250 billion or more in assets (median 44.6%). It also holds commercial real estate loans worth 0.8 times its capital, higher than about three-quarters of banks its size (median 0.6 times).
Net income for the quarter rose 15% from a year earlier, to $2.2 billion. Over the same year, loans grew 8.1% and deposits grew 2.3%.
As of June 30, 2026, U.S. Bank N.A. reported a CET1 capital ratio of 12.91%, a return on assets of 1.32%, a nonperforming-loan ratio of 1.45% and a Texas ratio of 3.20%. The figures come from its call report filed with the FFIEC.
U.S. Bank N.A. ranks as the 2nd largest of the 154 banks based in Ohio, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 3.2% to $705.55B, loans rose 2.6% and deposits rose 0.4%. 1-4 family residential loans made up 32.5% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 22.2%. On its Q2 2026 call report, U.S. Bank N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 425 Walnut St, 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
- July 13, 1863
- Former names
- Firstar Bank, National Association (1999-2001); Star Bank, National Association (1991-1999); Star Bank, National Association, Cincinnati (1988-1991)
- Domestic offices
- 2,097 FDIC institution directory, current count
- Employees (FTE)
- 65,445
- Domestic deposits
- $532.85B
- Allowance for credit losses
- $7.65B
- Net charge-offs (YTD)
- $1.08B
- Average total assets
- $678.48B
- Average total loans
- $400.06B
- Average interest-bearing deposits
- $445.94B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6548
- Fed RSSD
- 504713
- SEC CIK
- 36104 → filed by U.S. BANCORP
- Website
- www.usbank.com →
- Parent Holding Company
- U.S. BANCORP (RSSD 1119794) · USB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Gunjan Kedia | CEO | President & CEO |
| Andrew Cecere | CHR | Chairman and CEO |
| John C Stern | CFO | Vice Chair and CFO |
| Souheil Badran | COO | SEVP, Chief Operations Officer |
| James L Chosy | GC | Senior EVP and General Counsel |
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
U.S. Bank N.A.'s total assets moved between a low of $650.66B (Q4 2023) and a high of $705.55B (Q2 2026) from Q3 2023 to 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
$705.55B total assets against $671.44B; $636.09B total liabilities against $605.43B.
$405.69B net loans and leases against $374.99B; $541.89B total deposits against $529.92B.
$162.53B securities against $167.80B; $65.81B cash and balances due against $57.57B.
$7.46B total interest income against $7.46B; $3.01B total interest expense against $3.32B.
$4.45B net interest income against $4.14B.
$3.11B total noninterest income against $2.85B; $4.18B total noninterest expense against $4.04B.
$538.2M provision for credit losses against $501.1M.
$2.23B net income against $1.94B.
1.32% return on assets against 1.17%; 2.90% net interest margin against 2.77%.
12.91% CET1 capital ratio against 13.34%; 9.49% tier 1 leverage ratio against 9.35%.
Inside the full U.S. Bank N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
U.S. Bank N.A. rankings
Its closest position to the top of a national ranking is 6 of 4,196, for total assets; its furthest is 1,434 of 2,134, for CET1 ratio.
Metric pages for U.S. Bank N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.02% (Q3 2024) to 1.32% (Q2 2026) and its net interest margin ran from 2.77% (Q2 2025) to 2.90% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.91% | 1.32% | 1.45% | 3.20% | 2.90% |
| Q1 2026 | 12.88% | 1.18% | 1.65% | 3.72% | 2.84% |
| Q4 2025 | 13.02% | 1.28% | 1.49% | 3.84% | 2.87% |
| Q3 2025 | 13.38% | 1.22% | 1.26% | 4.01% | 2.83% |
| Q2 2025 | 13.34% | 1.17% | 1.25% | 4.39% | 2.77% |
| Q1 2025 | 13.53% | 1.06% | 1.30% | 4.26% | 2.81% |
| Q4 2024 | 13.50% | 1.06% | 1.29% | 4.55% | 2.81% |
| Q3 2024 | 13.55% | 1.02% | 1.20% | 4.41% | 2.81% |
Swipe the table sideways to see every column.
Branch Network
View all 2,097 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 |
|---|---|---|---|
| U.S. Bank N.A. (main office) | Cincinnati , OH | 45202 | $90.09B |
| St. Paul Center Branch | Saint Paul , MN | 55101 | $52.40B |
| U.S. Bank Plaza Branch | Minneapolis , MN | 55402 | $36.39B |
| Sacramento Downtown Branch | Sacramento , CA | 95814 | $35.90B |
| Center Branch | Milwaukee , WI | 53202 | $23.19B |
| Downtown Champa Branch | Denver , CO | 80202 | $7.99B |
| Tucker Boulevard Office | Saint Louis , MO | 63101 | $7.95B |
| Seattle Main Branch | Seattle , WA | 98101 | $6.81B |
| Portland Office | Portland , OR | 97204 | $6.35B |
| 25 East Washington Branch | Chicago , IL | 60602 | $2.40B |
| San Jose Downtown Branch | San Jose , CA | 95113 | $2.27B |
| Nevada Financial Center Branch | Las Vegas , NV | 89102 | $1.82B |
| 23rd & Santa Monica Branch | Santa Monica , CA | 90404 | $1.79B |
| Des Moines Main Branch | Des Moines , IA | 50309 | $1.78B |
| Reno Main Branch | Reno , NV | 89501 | $1.75B |
| Midtown Branch | Salt Lake City , UT | 84111 | $1.69B |
| Shawnee Branch | Shawnee , KS | 66217 | $1.53B |
| Des Plaines Branch | Des Plaines , IL | 60016 | $1.45B |
| Broadway-West End Branch | Nashville , TN | 37203 | $1.29B |
| Billings Branch | Billings , MT | 59101 | $1.26B |
| 10th & Idaho Branch | Boise , ID | 83702 | $1.22B |
| Shively Branch | Louisville , KY | 40216 | $1.15B |
| Bloomington Main Branch | Bloomington , MN | 55420 | $1.04B |
| Main Branch | Phoenix , AZ | 85012 | $1.03B |
| Omaha Main Branch | Omaha , NE | 68102 | $994.7M |
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 |
|---|---|---|---|
| August 1, 2025 | Structure Change | Acquired Integrated Logistics, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 27, 2023 | Structure Change | Acquired MUFG Union Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 26, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 10, 2020 | Structure Change | Acquired State Farm Bank, FSB Charter Retained (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 14, 2013 | Structure Change | Acquired U.S. Bank N.A. ND Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 13, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 12, 2012 | Structure Change | Acquired Housing Capital Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 28, 2012 | Structure Change | Acquired Bankeast Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 27, 2012 | Merger | Participated in FDIC Assisted Merger | FDIC |
| December 31, 2011 | Structure Change | Acquired U.S. Bancorp Equipment Finance, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 29, 2011 | Structure Change | Acquired First Community Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 28, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| December 31, 2009 | Structure Change | Acquired First Minneapolis Building Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 31, 2009 | Structure Change | Acquired North Houston Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 31, 2009 | M&A | Acquired California National Bank failure_government_assistance_provided for the acquired bank | SEC |
| October 30, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| April 25, 2009 | Structure Change | Acquired First Bank of Idaho, FSB Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 24, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| December 31, 2008 | Structure Change | Acquired Genpass Technologies, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 22, 2008 | Structure Change | Acquired PFF Bank & Trust Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 21, 2008 | Merger | Participated in FDIC Assisted Merger | FDIC |
| June 1, 2008 | Structure Change | Acquired MFBB Services LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 14, 2008 | Structure Change | Acquired Aims Logistics, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2008 | Structure Change | Acquired Usb Capital Funding Corp. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2007 | Structure Change | Acquired U.S. Bancorp Licensing, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 6, 2007 | Structure Change | Acquired HeritageBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 6, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 17, 2006 | Structure Change | Acquired U.S. Bank Freight Payment Services, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 12, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 12, 2006 | Structure Change | Acquired WestStar Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 3, 2005 | Structure Change | Acquired U.S. Bancorp Consumer Finance of Kentucky, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2005 | Structure Change | Acquired U.S. Bancorp Online Services, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 3, 2005 | Structure Change | Acquired State Street Bank and Trust Company of Connecticut, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 2, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2004 | Structure Change | Acquired The Leader Mortgage Company, LLC 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
- 14 against the institution (OCC); 28 against individuals associated with it
- December 19, 2023, OCC: Civil Money Penalty (CMP): U.S. Bank National Association
- February 15, 2018, OCC: Civil Money Penalty (CMP): U.S. Bank National Association
- August 16, 2017, OCC: Civil Money Penalty (CMP): U.S. Bank National Association
- April 25, 2017, OCC: Civil Money Penalty (CMP): U.S. Bank National Association
- February 8, 2016, OCC: Civil Money Penalty (CMP): U.S. Bank National Association
- Period: Most recent institution action December 19, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 17.9% of deposits in OH, rank 1 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 197,651 applications, 74,635 loans originated, $33.01B originated, across 52 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3,130 loans, $780.2M approved, $249K average. 0.22% 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
Add this badge to your website
Free to use. It shows U.S. Bank N.A.’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about U.S. Bank N.A.
What are U.S. Bank N.A.'s total assets?
As of the Q2 2026 filing, U.S. Bank N.A. reported total assets of $705.55 billion in its FFIEC call report.
Where is U.S. Bank N.A. headquartered?
It is headquartered in Cincinnati, OH, United States.
When was U.S. Bank N.A. founded?
It was established in 1863, per the FDIC institution directory.
Is U.S. Bank N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6548). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates U.S. Bank N.A.?
U.S. Bank N.A.'s primary federal regulator is the OCC.
What is U.S. Bank N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.91% in its Q2 2026 call report, above regulatory requirements.
How many branches does U.S. Bank N.A. operate?
It operates 2,097 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is U.S. Bank N.A.'s Texas Ratio?
Its Texas Ratio is 3.20% 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 U.S. Bank N.A. previously called?
The charter now named U.S. Bank N.A. has also operated as Firstar Bank, National Association (1999-2001), Star Bank, National Association (1991-1999), Star Bank, National Association, Cincinnati (1988-1991), per FDIC structure-change records.
Go deeper on U.S. Bank N.A.
Get an email when U.S. Bank N.A. files its next call report, and benchmark it against any peer you choose.
Unlock U.S. Bank N.A., freeFree account