BlastPoint's Banking Scorecard
Fifth Third Bank, National Association
Cincinnati, OH
1,507 branches across MI · OH · FL · IL · TX · IN · CA · NC · KY · TN · GA · SC · AZ · WV · AL · NY
Fifth Third Bank, National Association has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 0.1% in tier
- + Delinquency Rate 0.13% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 0.53% below tier average
- - Efficiency Ratio 18.17% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$296.1B
+39.7% YoY
+38.5% QoQ
|
-$711.0B |
$1,007.1B
-0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
19% |
| Total Loans ? |
$174.7B
+45.2% YoY
+44.2% QoQ
|
-$261.5B |
$436.2B
+3.5% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$240.4B
+42.2% YoY
+37.2% QoQ
|
-$526.6B |
$767.0B
-1.7% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
19% |
| Return on Assets ? |
0.62%
-45.2% YoY
-53.9% QoQ
|
-0.53% |
1.15%
+9.3% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 6.2% in tier |
| Net Interest Margin ? |
3.72%
+12.5% YoY
+8.2% QoQ
|
+0.67% |
3.05%
+6.7% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 6.2% in tier |
| Efficiency Ratio ? |
74.06%
+28.0% YoY
+37.2% QoQ
|
+18.17% |
55.89%
+3.9% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 6.2% in tier |
| Delinquency Rate ? |
0.79%
-19.8% YoY
-9.7% QoQ
|
-0.13% |
0.92%
-4.7% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
72.66%
+2.1% YoY
+5.1% QoQ
|
+14.02% |
58.65%
+11.5% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
27.90%
+12.7% YoY
+12.0% QoQ
|
+9.30% |
18.60%
+9.6% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Top 12.5% in tier |
| Nonperforming Asset Ratio ? |
0.48%
-16.2% YoY
-5.7% QoQ
|
-0.01% |
0.48%
+3.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
50% |
| Tier 1 Capital Ratio ? |
11.73%
-8.2% YoY
-10.4% QoQ
|
-2.27% |
14.00%
-15.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
Bottom 12.5% in tier |
| Non-Interest Income / Assets ? |
0.30%
-6.5% YoY
-78.4% QoQ
|
-0.05% |
0.35%
-0.9% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
38% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.