U.S. Bank N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 11.77 percentage points higher than in Q1 2026, at 200.86%. Within Ohio, U.S. Bank N.A. is 50th of 156 on return on assets, 1.32% as of Q2 2026, above the middle of the field. U.S. Bank N.A. reported 1.32% on return on assets for Q2 2026, 0.09 points above the 1.23% median for banks in the >= $250B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.91% |
| Tier 1 risk-based capital ratio | 12.99% |
| Total risk-based capital ratio | 14.94% |
| Tier 1 leverage ratio | 9.49% |
| Equity capital to assets | 9.76% |
| Tangible equity to tangible assets | 7.93% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.92% |
| Non-performing assets ratio | 0.54% |
| Net charge-off ratio | 0.54% |
| Texas ratio | 13.63% |
| Allowance for credit losses to loans | 1.85% |
| Reserve coverage of non-performing loans | 200.86% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.32% |
| Return on equity | 13.06% |
| Net interest margin | 2.90% |
| Efficiency ratio | 53.62% |
| Yield on earning assets | 4.85% |
| Cost of funds | 2.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.28% |
| Core deposits to total deposits | 90.54% |
| Brokered deposits to total deposits | 6.09% |
| Deposits to assets | 76.80% |
| Securities to assets | 23.04% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.75% | 12.84% | 15.10% | 9.03% | 0.98% |
| Q4 2023 | 13.05% | 13.15% | 15.44% | 9.23% | 0.59% |
| Q1 2024 | 13.11% | 13.21% | 15.50% | 9.25% | 0.87% |
| Q2 2024 | 13.38% | 13.49% | 15.78% | 9.20% | 0.98% |
| Q3 2024 | 13.55% | 13.65% | 15.83% | 9.34% | 1.02% |
| Q4 2024 | 13.50% | 13.60% | 15.77% | 9.28% | 1.06% |
| Q1 2025 | 13.53% | 13.63% | 15.81% | 9.33% | 1.06% |
| Q2 2025 | 13.34% | 13.43% | 15.59% | 9.35% | 1.17% |
| Q3 2025 | 13.38% | 13.48% | 15.51% | 9.34% | 1.22% |
| Q4 2025 | 13.02% | 13.11% | 15.12% | 9.38% | 1.28% |
| Q1 2026 | 12.88% | 12.97% | 14.96% | 9.40% | 1.18% |
| Q2 2026 | 12.91% | 12.99% | 14.94% | 9.49% | 1.32% |
U.S. Bank N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock U.S. Bank N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)