U.S. Bank Trust N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Wilmington, DE, U.S. Bank Trust N.A. serves its local market as an FDIC-insured commercial bank, in the Greater Philadelphia banking market. The Q2 2026 balance sheet stands at $949M in assets, including $0 in loans. Profitability is strong, 10.89% ROA, paired with 11.07% ROE and a 3.80% net interest margin. A CET1 ratio of 488.44% reflects a balance sheet with almost no risk-weighted lending, typical of a trust or nondepository charter; it is not comparable with commercial bank capital levels.
As of June 30, 2026, U.S. Bank Trust N.A. reported a CET1 capital ratio of 488.44%, a return on assets of 10.89%, a Texas ratio of 0.00%, per financial data filed with the FFIEC.
Headquarters Profile
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Federal Reserve member
- —
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Employees (FTE)
- 6
- Domestic deposits
- $0
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Fed RSSD
- 2916963
- SEC CIK
- 36104 → filed by U.S. BANCORP
- Parent Holding Company
- U.S. BANK NATIONAL ASSOCIATION (RSSD 504713)
- Ultimate Parent
- U.S. BANCORP (RSSD 1119794)
Asset Quality
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.
No provision recorded in the last 12 quarters.
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.
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25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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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 | 488.44% | 10.89% | — | 0.00% | 3.80% |
| Q1 2026 | 486.56% | 7.32% | — | 0.00% | 3.79% |
| Q4 2025 | 489.54% | 8.39% | — | 0.00% | 4.16% |
| Q3 2025 | 493.03% | 6.76% | — | 0.00% | 4.49% |
| Q2 2025 | 489.41% | 7.33% | — | 0.00% | 4.47% |
| Q1 2025 | 487.48% | 8.24% | — | 0.00% | 4.45% |
| Q4 2024 | 488.79% | 8.41% | — | 0.00% | 4.88% |
| Q3 2024 | 481.32% | 7.85% | — | 0.00% | 5.47% |
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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 |
|---|---|---|---|
| February 28, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 28, 2002 | Structure Change | Acquired U.S. Bank Trust N.A. 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 2 events.
Regulatory record
What the public regulatory sources show for U.S. Bank Trust 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
- 4 against the institution (Federal Reserve, SEC Form 8-K)
- March 5, 2024, SEC Form 8-K: 8-K Item 8.01: consent order
- February 14, 2018, Federal Reserve: Cease and Desist Order: U.S. Bancorp and USB Americas Holding Company
- February 14, 2018, Federal Reserve: Civil Money Penalty, $15,000,000: U.S. Bancorp and USB Americas Holding Company
- January 12, 2018, Federal Reserve: Civil Money Penalty, $4,400,000: U.S. Bancorp, Minneapolis, Minnesota
- Period: Most recent institution action March 5, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- Not on file: no SoD deposits in its home state
- Period: not on file. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. 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 Trust N.A.
What are U.S. Bank Trust N.A.'s total assets?
As of the Q2 2026 filing, U.S. Bank Trust N.A. reported total assets of $948.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is U.S. Bank Trust N.A. headquartered?
U.S. Bank Trust N.A. is headquartered in Wilmington, DE, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
What is U.S. Bank Trust N.A.'s CET1 capital ratio?
U.S. Bank Trust N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 488.44% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
What is U.S. Bank Trust N.A.'s Texas Ratio?
U.S. Bank Trust N.A.'s Texas Ratio is 0.00% 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.
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