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U.S. Bank National Association

$250B+ Specialty: Other OH FDIC cert 6548

Cincinnati, OH

2,097 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

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 18 banks in the $250B+ peer group nationwide — 1 of 4 in OH.
  • Deposits +2.3% year over year ($541.9B on the books).
  • Delinquency rate 1.47%.
  • Return on assets 1.23%.
  • Efficiency ratio 54.65% vs a 52.80% peer average.
  • Loan-to-deposit ratio 74.87% vs a 59.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

U.S. Bank National Association has 1 strength but faces 3 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

  • + ROA 0.05% above tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 25.0% in tier
  • - Net Interest Margin 0.07% below tier average
  • - Efficiency Ratio 1.85% above tier average
Get updates when U.S. Bank National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $705.6B
+5.1% YoY +3.2% QoQ
-$230.7B $936.3B
-15.8% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
72%
Total Loans ? $405.7B
+8.2% YoY +2.7% QoQ
-$3.8B $409.5B
-13.1% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
72%
Total Deposits ? $541.9B
+2.3% YoY +0.4% QoQ
-$171.3B $713.2B
-15.8% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
78%
Return on Assets ? 1.23%
+10.4% YoY +4.8% QoQ
+0.05% 1.17%
+26.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
61%
Net Interest Margin ? 2.87%
+1.5% YoY +0.0% QoQ
-0.07% 2.94%
-1.8% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
44%
Efficiency Ratio ? 54.65%
-3.8% YoY -1.5% QoQ
+1.85% 52.80%
-5.4% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
50%
Delinquency Rate ? 1.47%
+15.5% YoY -12.5% QoQ
+0.69% 0.78%
-21.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
Bottom 11.1% in tier
Loan-to-Deposit Ratio ? 74.87%
+5.8% YoY +2.3% QoQ
+15.83% 59.04%
+5.5% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
33%
Non-Interest-Bearing Deposit Share ? 16.08%
-4.1% YoY +0.2% QoQ
-0.22% 16.30%
-11.5% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
44%
Nonperforming Asset Ratio ? 0.85%
+18.8% YoY -12.9% QoQ
+0.43% 0.42%
-12.7% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
Bottom 11.1% in tier
Tier 1 Capital Ratio ? 12.99%
-3.3% YoY +0.2% QoQ
-2.21% 15.20%
+5.2% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
39%
Non-Interest Income / Assets ? 0.85%
+2.5% YoY +101.9% QoQ
+0.21% 0.64%
-10.8% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
78%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 16.1%
-0.7pp YoY
0.0pp QoQ
 -0.2pp 16.3% 18.8% 22.2% 39%
Brokered Deposits 6.1%
-1.5pp YoY
-0.4pp QoQ
 -0.9pp 7.0% 7.7% 8.5% 67%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 22.7%
+0.2pp YoY
0.0pp QoQ
 +3.1pp 19.6% 10.2% 12.5% 56%
CRE 12.5%
+0.2pp YoY
+0.3pp QoQ
 +0.3pp 12.2% 34.2% 41.4% 53%
1-4 Family 33.1%
-1.7pp YoY
-0.8pp QoQ
 +12.5pp 20.6% 50.0% 31.3% 82%
Consumer 12.8%
-0.3pp YoY
0.0pp QoQ
 -4.1pp 16.9% 4.7% 5.0% 47%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 12.9%
-0.4pp YoY
0.0pp QoQ
 -2.3pp 15.2% 22.1% 19.7% 33%
Leverage Ratio 9.5%
+0.1pp YoY
+0.1pp QoQ
 +0.7pp 8.8% 12.9% 12.6% 56%
Total Capital Ratio 14.9%
-0.7pp YoY
0.0pp QoQ
 -1.4pp 16.3% 23.2% 20.8% 56%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 65,445
-1307 (-2.0%) YoY
-50 (-0.1%) QoQ
 +1,886 63,559 2,433 482 67%
Assets per Employee ($) $10.8M
+7.2% YoY
+3.3% QoQ
 -$50.3M $61.1M $7.6M $8.8M 17%
Branch Count 2,097
-19 (-0.9%) YoY
-3 (-0.1%) QoQ
 +689 1,407 81 18 72%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 1.2%
+0.3pp YoY
-0.2pp QoQ
 +0.8pp 0.3% 0.2% 0.4% 85%
Nonaccrual 0.3%
-0.1pp YoY
-0.1pp QoQ
 -0.3pp 0.6% 0.6% 1.0% 17%
Allowance Coverage 1.28x
-18.8% YoY
+11.3% QoQ
 -0.86x 2.14x 18.95x 20.23x 22%
Net Charge-off Rate (YTD) 0.5%
0.0pp YoY
0.0pp QoQ
 0.0pp 0.5% 0.1% 0.2% 71%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 12.4%
+0.9pp YoY
+0.7pp QoQ
 0.0pp 12.4% 9.7% 11.6% 44%
Cost of Funds (YTD) 1.9%
-0.3pp YoY
0.0pp QoQ
 -0.2pp 2.2% 1.7% 1.7% 50%
Net Income ($, YTD) $4.2B
+14.3% YoY
— QoQ
 -$1.6B $5.9B $259.3M $40.4M 61%

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
#2 of 4 • Bottom 25.0% in tier

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

4 of 4 Titans banks match · 1401 nationally
→ Stable -58 banks QoQ

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 18 peers in $250B+

Top Strengths (2 metrics)

5
Total Deposits
size
Value: $541.89B
Peer Median: $713.22B
#5 of 18 Top 22.2% in $250B+
5
Non-Interest Income / Assets
revenue_mix
Value: 0.85%
Peer Median: 0.64%
#5 of 18 Top 22.2% in $250B+

Top Weaknesses (2 metrics)

17
Nonperforming Asset Ratio
credit_quality
Value: 0.85%
Peer Median: 0.42%
#17 of 18 Bottom 11.1% in $250B+
17
Delinquency Rate
credit_quality
Value: 1.47%
Peer Median: 0.78%
#17 of 18 Bottom 11.1% in $250B+
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