BlastPoint's Banking Scorecard

Fifth Third Bank, National Association

$250B+ Specialty: Commercial OH FDIC cert 6672

Cincinnati, OH

1,520 branches across MI · OH · FL · IL · TX · IN · CA · NC · KY · TN · GA · SC · AZ · AL · WV · NY

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 +43.5% year over year ($240.9B on the books).
Delinquency rate 0.85%.
Return on assets 0.97%.
Efficiency ratio 66.31% vs a 52.80% peer average.
Loan-to-deposit ratio 73.25% 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) →

Fifth Third 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

+ Deposit Franchise: Top 0.1% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 0.1% in tier
- Efficiency Ratio 13.51% above tier average
- Delinquency Rate 0.07% above tier average

Get updates when Fifth Third 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 ?	$299.2B +42.9% YoY +1.0% QoQ	-$637.1B	$936.3B -15.8% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	28%
Total Loans ?	$176.5B +46.3% YoY +1.0% QoQ	-$233.0B	$409.5B -13.1% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	39%
Total Deposits ?	$240.9B +43.5% YoY +0.2% QoQ	-$472.3B	$713.2B -15.8% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	28%
Return on Assets ?	0.97% -21.3% YoY +57.0% QoQ	-0.20%	1.17% +26.8% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	22%
Net Interest Margin ?	3.76% +11.6% YoY +1.2% QoQ	+0.82%	2.94% -1.8% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	Top 5.6% in tier
Efficiency Ratio ?	66.31% +19.2% YoY -10.5% QoQ	+13.51%	52.80% -5.4% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	17%
Delinquency Rate ?	0.85% -4.0% YoY +7.9% QoQ	+0.07%	0.78% -21.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	44%
Loan-to-Deposit Ratio ?	73.25% +2.0% YoY +0.8% QoQ	+14.21%	59.04% +5.5% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	39%
Non-Interest-Bearing Deposit Share ?	26.96% +4.9% YoY -3.3% QoQ	+10.66%	16.30% -11.5% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	Top 5.6% in tier
Nonperforming Asset Ratio ?	0.51% -2.4% YoY +7.2% QoQ	+0.09%	0.42% -12.7% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	39%
Tier 1 Capital Ratio ?	11.70% -9.1% YoY -0.3% QoQ	-3.50%	15.20% +5.2% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	Bottom 11.1% in tier
Non-Interest Income / Assets ?	0.66% -3.4% YoY +117.1% QoQ	+0.02%	0.64% -10.8% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	61%

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	27.0% +1.3pp YoY -0.9pp QoQ	+10.7pp	16.3%	18.8%	22.2%	89%
Brokered Deposits	0.7% -0.7pp YoY -0.1pp QoQ	-6.3pp	7.0%	7.7%	8.5%	6%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
C&I	39.9% +3.5pp YoY +0.8pp QoQ	+20.3pp	19.6%	10.2%	12.5%	94%
CRE	19.0% +5.4pp YoY -0.6pp QoQ	+6.8pp	12.2%	34.2%	41.4%	80%
1-4 Family	15.2% -3.2pp YoY 0.0pp QoQ	-5.4pp	20.6%	50.0%	31.3%	24%
Consumer	15.3% -6.3pp YoY -0.2pp QoQ	-1.5pp	16.9%	4.7%	5.0%	60%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
CET1 Ratio	11.7% -1.2pp YoY 0.0pp QoQ	-3.5pp	15.2%	22.1%	19.7%	6%
Leverage Ratio	10.0% -0.3pp YoY -1.2pp QoQ	+1.2pp	8.8%	12.9%	12.6%	67%
Total Capital Ratio	13.0% -1.2pp YoY 0.0pp QoQ	-3.3pp	16.3%	23.2%	20.8%	6%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Full-Time Employees	25,131 +6453 (+34.5%) YoY -835 (-3.2%) QoQ	-38,428	63,559	2,433	482	28%
Assets per Employee ($)	$11.9M +6.2% YoY +4.4% QoQ	-$49.2M	$61.1M	$7.6M	$8.8M	44%
Branch Count	1,508 +411 (+37.5%) YoY +3 (+0.2%) QoQ	+100	1,407	81	18	61%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.2%	0.4%	31%
Nonaccrual	0.7% 0.0pp YoY +0.1pp QoQ	+0.1pp	0.6%	0.6%	1.0%	56%
Allowance Coverage	1.94x -13.9% YoY -8.4% QoQ	-0.21x	2.14x	18.95x	20.23x	67%
Net Charge-off Rate (YTD)	0.3% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.5%	0.1%	0.2%	47%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	7.9% -3.5pp YoY +2.8pp QoQ	-4.5pp	12.4%	9.7%	11.6%	11%
Cost of Funds (YTD)	1.7% -0.3pp YoY 0.0pp QoQ	-0.5pp	2.2%	1.7%	1.7%	22%
Net Income ($, YTD)	$1.3B +0.5% YoY — QoQ	-$4.5B	$5.9B	$259.3M	$40.4M	6%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (1)

Deposit Franchise

growth

#1 of 1 • Top 0.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 26.96%

(Tier: 16.30%, National: 21.98%)

better than tier avg

Net Interest Margin: 3.76%

(Tier: 2.94%, National: 3.95%)

better than tier avg

1 of 1 Titans banks match · 368 nationally

→ Stable -1 banks QoQ

Concerns (1)

Margin Compression

decline

#1 of 3 • Bottom 0.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.97%

(Tier: 1.17%, National: 1.30%)

worse than tier avg

3 of 3 Titans banks match · 413 nationally

→ Stable +8 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).

Compare against:

Comparing against 18 peers in $250B+

Top Strengths (2 metrics)

Net Interest Margin

profitability

Value: 3.76%

Peer Median: 2.94%

#2 of 18 Top 5.6% in $250B+

Non-Interest-Bearing Deposit Share

funding

Value: 26.96%

Peer Median: 16.30%

#2 of 18 Top 5.6% in $250B+

Top Weaknesses (3 metrics)

Tier 1 Capital Ratio

capital

Value: 11.70%

Peer Median: 15.20%

#17 of 18 Bottom 11.1% in $250B+

Efficiency Ratio

profitability

Value: 66.31%

Peer Median: 52.80%

#16 of 18 Bottom 16.7% in $250B+

Return on Assets

profitability

Value: 0.97%

Peer Median: 1.17%

#15 of 18 Bottom 22.2% in $250B+