U.S. Bank N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 2.77 percentage points in Q2 2026, from 77.96% to 80.73%. It was the largest change from Q1 2026 among the key lines here. U.S. Bank N.A. ranks 100th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 76.28% (Q2 2026). U.S. Bank N.A. reported 76.28% on loan-to-deposit ratio for Q2 2026, 14.59 points above the 61.69% median for banks in the >= $250B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $413.34B |
| Net loans and leases | $405.69B |
| Loans held for sale | $3.04B |
| Loans to total assets | 58.58% |
| Loan-to-deposit ratio | 76.28% |
| Net loans to equity capital | 5.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.50% |
| Multifamily (5+ residential) | 3.50% |
| Commercial and industrial | 22.23% |
| Consumer | 12.59% |
| Credit cards | 7.97% |
| Farm | 0.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.76% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 80.73% |
| Construction concentration (Tier 1 capital + allowance) | 13.24% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.66% |
| Interest income on loans | $5.64B |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $377.57B | $529.91B | 7.48% | 26.44% | 14.71% |
| Q4 2023 | $376.04B | $524.70B | 7.38% | 26.00% | 14.87% |
| Q1 2024 | $376.67B | $539.45B | 7.18% | 25.97% | 14.38% |
| Q2 2024 | $378.71B | $533.85B | 7.08% | 25.76% | 14.39% |
| Q3 2024 | $377.37B | $529.67B | 6.80% | 25.96% | 14.51% |
| Q4 2024 | $382.40B | $528.52B | 6.45% | 24.70% | 13.70% |
| Q1 2025 | $383.57B | $523.10B | 6.29% | 21.81% | 13.05% |
| Q2 2025 | $382.53B | $529.92B | 6.25% | 22.04% | 12.91% |
| Q3 2025 | $385.01B | $537.70B | 6.15% | 21.88% | 12.96% |
| Q4 2025 | $393.87B | $533.48B | 6.17% | 21.65% | 13.02% |
| Q1 2026 | $402.72B | $539.84B | 6.39% | 22.24% | 12.63% |
| Q2 2026 | $413.34B | $541.89B | 6.50% | 22.23% | 12.59% |
U.S. Bank N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock U.S. Bank N.A., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full U.S. Bank N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6548) · FFIEC NIC profile (RSSD 504713)