U.S. Bank N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Cincinnati, OH, U.S. Bank N.A. ranks among the largest US commercial banks by total assets. U.S. Bank N.A's Q2 2026 balance sheet shows $705.6B in assets funded primarily by $541.9B in customer deposits. Returns are notably above industry norms: 1.32% ROA, 13.06% ROE, and 2.90% NIM. Capital cushions are healthy: 12.91% CET1, 9.49% Tier 1 leverage. Asset quality is solid, 0.92% nonperforming loans and a 13.63% Texas Ratio. The bank operates a national network of 2,096 domestic branches.
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 0.92%, a Texas ratio of 13.63%, per financial data filed with the FFIEC.
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)
- Offices
- 2,096 domestic
- 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 |
|---|---|---|
| Kedia Gunjan | CEO | President & CEO |
| Stern John C | CFO | Vice Chair and CFO |
| Badran Souheil | COO | SEVP, Chief Operations Officer |
| Cecere Andrew | CHR | Chairman and CEO |
| Chosy James L | GC | Senior EVP and General Counsel |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full U.S. Bank N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock U.S. Bank N.A., 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.91% | 1.32% | 0.92% | 13.63% | 2.90% |
| Q1 2026 | 12.88% | 1.18% | 1.00% | 15.02% | 2.84% |
| Q4 2025 | 13.02% | 1.28% | 1.00% | 13.49% | 2.87% |
| Q3 2025 | 13.38% | 1.22% | 1.01% | 11.94% | 2.83% |
| Q2 2025 | 13.34% | 1.17% | 1.09% | 12.59% | 2.77% |
| Q1 2025 | 13.53% | 1.06% | 1.08% | 12.91% | 2.81% |
| Q4 2024 | 13.50% | 1.06% | 1.09% | 13.01% | 2.81% |
| Q3 2024 | 13.55% | 1.02% | 1.15% | 12.40% | 2.81% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2,097 branches →
| 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 U.S. Bancorp Construction Funding, Inc. 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 | M&A | failure_government_assistance_provided | SEC |
| October 31, 2009 | Structure Change | Acquired Community Bank of Lemont Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| 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 Downey Savings and Loan Association, F.A. 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 Mellon 1st Business Bank, National Association 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 6, 2007 | Structure Change | Acquired HeritageBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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 | Structure Change | Acquired WestStar Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 12, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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 First Building Corporation 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 First National Cincinnati Corporation 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
What the public regulatory sources show for U.S. Bank N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 14 against the institution (OCC); 27 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 185 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is U.S. Bank N.A. headquartered?
U.S. Bank N.A. is headquartered in Cincinnati, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was U.S. Bank N.A. founded?
U.S. Bank N.A. was established in 1863, per the FDIC institution directory.
Is U.S. Bank N.A. FDIC-insured?
Yes. U.S. Bank N.A. 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is U.S. Bank N.A.'s CET1 capital ratio?
U.S. Bank N.A. 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?
U.S. Bank N.A. operates 2,096 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?
U.S. Bank N.A.'s Texas Ratio is 13.63% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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.
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