U.S. Bank N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks U.S. Bank N.A. of Cincinnati, OH against its peer group of 18 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.32% | 1.34% | -0.02% | 59th above |
| ROAE | 13.06% | 14.94% | -1.88% | 41st below |
| Net Interest Margin | 2.90% | 2.86% | +0.04% | 53rd above |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 53.62% | 53.02% | +0.60% | 59th above |
| PPNR / Avg Assets | 1.99% | 1.88% | +0.11% | 82nd top |
| Yield on Earning Assets | 4.85% | 4.89% | -0.04% | 47th below |
| Cost of Funds Ahead of the peer average, behind the median peer. | 2.05% | 2.13% | -0.08% | 41st below |
| Net Interest Spread | 2.51% | 2.23% | +0.28% | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Behind the peer average, ahead of the median peer. | 0.92% | 0.88% | +0.04% | 53rd above |
| NPA / Total Assets | 0.54% | 0.42% | +0.12% | 41st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.54% | 0.61% | -0.07% | 18th bottom |
| ACL / Total Loans | 1.85% | 1.54% | +0.31% | 88th top |
| ACL / NPLs (Coverage) | 200.86% | 182.32% | +18.54% | 88th top |
| Texas Ratio | 13.63% | 6.02% | +7.61% | 6th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 103.74% | 108.86% | -5.12% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.91% | 15.79% | -2.88% | 24th bottom |
| Tier 1 Ratio | 12.99% | 15.82% | -2.83% | 24th bottom |
| Total Capital Ratio | 14.94% | 16.54% | -1.60% | 35th below |
| Leverage Ratio | 9.49% | 8.04% | +1.45% | 59th above |
| Equity / Assets | 9.76% | 9.26% | +0.50% | 59th above |
| TCE / Tangible Assets Ahead of the peer average, behind the median peer. | 7.93% | 7.71% | +0.22% | 47th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.28% | 57.61% | +18.67% | 29th below |
| Core Deposit Ratio | 90.54% | 77.76% | +12.78% | 59th above |
| Uninsured Deposit Ratio | 52.20% | 45.80% | +6.40% | 18th bottom |
| Wholesale Funding Ratio | 9.87% | 8.66% | +1.21% | 24th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.08% | 9.45% | -4.37% | 35th below |
| Loan Growth (Y/Y) | 8.05% | 11.41% | -3.36% | 29th below |
| Deposit Growth (Y/Y) | 2.26% | 8.55% | -6.29% | 29th below |
See U.S. Bank N.A.'s peers by name
The 18 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock U.S. Bank N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full U.S. Bank N.A. profile, how to read a UBPR, or how this data updates.