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U.S. Bank National Association

$250B+ Specialty: Other OH FDIC cert 6548

Cincinnati, OH

2,098 branches across CA · OH · IL · WA · MO · OR · MN · CO · WI · KY · AZ · IA · TN · ID · NV · UT · NE · KS · NM · AR · MT · ND · SD · WY · IN · NC · FL · TX · GA

16 banks in the $250B+ peer group nationally 4 in OH
View $250B+ leaderboard (OH) →

U.S. Bank National Association has 1 strength but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 0.40% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 40.0% in tier
  • - Net Interest Margin 0.18% below tier average
Get updates when U.S. Bank National Association releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $683.4B
+3.7% YoY +1.1% QoQ
-$323.7B $1,007.1B
-0.5% YoY
$35.8B
+10.6% YoY
$6.2B
+9.1% YoY
69%
Total Loans ? $395.1B
+5.1% YoY +2.3% QoQ
-$41.1B $436.2B
+3.5% YoY
$15.7B
+12.8% YoY
$3.2B
+10.8% YoY
69%
Total Deposits ? $539.8B
+3.2% YoY +1.2% QoQ
-$227.2B $767.0B
-1.7% YoY
$25.9B
+8.5% YoY
$4.8B
+8.2% YoY
75%
Return on Assets ? 1.17%
+10.4% YoY -0.5% QoQ
+0.03% 1.15%
+9.3% YoY
1.12%
+9.9% YoY
1.23%
+13.4% YoY
62%
Net Interest Margin ? 2.87%
+0.5% YoY +0.4% QoQ
-0.18% 3.05%
+6.7% YoY
3.58%
+7.5% YoY
3.89%
+5.7% YoY
38%
Efficiency Ratio ? 55.49%
-3.7% YoY +0.1% QoQ
-0.40% 55.89%
+3.9% YoY
72.65%
-4.0% YoY
66.95%
-4.1% YoY
50%
Delinquency Rate ? 1.69%
+27.5% YoY +10.9% QoQ
+0.77% 0.92%
-4.7% YoY
0.65%
+14.5% YoY
0.95%
+18.8% YoY
Bottom 12.5% in tier
Loan-to-Deposit Ratio ? 73.18%
+1.8% YoY +1.1% QoQ
+14.54% 58.65%
+11.5% YoY
79.14%
+0.8% YoY
76.70%
+0.9% YoY
31%
Non-Interest-Bearing Deposit Share ? 16.05%
-2.0% YoY +0.2% QoQ
-2.55% 18.60%
+9.6% YoY
18.08%
-0.4% YoY
22.01%
-1.2% YoY
38%
Nonperforming Asset Ratio ? 0.98%
+29.1% YoY +12.2% QoQ
+0.49% 0.48%
+3.7% YoY
0.44%
+14.5% YoY
0.67%
+19.3% YoY
Bottom 12.5% in tier
Tier 1 Capital Ratio ? 12.97%
-4.9% YoY -1.1% QoQ
-1.03% 14.00%
-15.5% YoY
19.44%
+3.1% YoY
17.06%
+0.8% YoY
44%
Non-Interest Income / Assets ? 0.42%
+2.6% YoY -75.1% QoQ
+0.07% 0.35%
-0.9% YoY
0.57%
-2.4% YoY
0.32%
+4.1% YoY
75%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk
#3 of 5 • Bottom 40.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

5 of 5 Titans banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 16 peers in $250B+

Top Strengths (2 metrics)

5
Total Deposits
size
Value: $539.84B
Peer Median: $767.04B
#5 of 16 Top 25.0% in $250B+
5
Non-Interest Income / Assets
revenue_mix
Value: 0.42%
Peer Median: 0.35%
#5 of 16 Top 25.0% in $250B+

Top Weaknesses (2 metrics)

15
Nonperforming Asset Ratio
credit_quality
Value: 0.98%
Peer Median: 0.48%
#15 of 16 Bottom 12.5% in $250B+
15
Delinquency Rate
credit_quality
Value: 1.69%
Peer Median: 0.92%
#15 of 16 Bottom 12.5% in $250B+
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