FDIC Cert #6548 · Cincinnati, Ohio · Est. 1863

U.S. Bank National Association - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$676.1B
Total assets
A
Health grade · Excellent
1.18%
Return on assets
13.0%
Tier 1 capital

Data updated July 2026

The verdict

U.S. Bank National Association earns a PlainBankData health grade of A (83/100), with well-capitalized at 13.02% Tier 1, profitable at 1.18% ROA, efficient (55% cost ratio).

#5
largest of 4,313 FDIC banks by assets
100th
percentile by asset size, nationally
13.02%
Tier 1 ratio - above the 10% well-capitalized line
56th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 6548 · OH A · 83/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MEGA · BOOK-FULL

  • GRADE-A A (83/100)
  • MID-PACK #1513/4307
  • PHOTO-FINISH First National Bank · VA
  • TIER1-WELL 13.0% Tier 1
  • TEXAS-CLEAN 7.8% Texas
  • ROA-PAR 1.18% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside Ohio: First National Bank, VA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around U.S. Bank

Lowest and highest poles plus nearest scored peers outside Ohio, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community National B… · VT ·…83/100First National Bank · VA · n…83/100Pioneer Bank · VA · near83/100The First National B… · NY ·…83/100U.S. Bank National A… · OH ·…83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around U.S. Bank · July 2026

Call Report read for U.S. Bank in a high-failure state

U.S. Bank National Association (FDIC Cert #6548) carries a PlainBankData health grade of A at 83/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,513 of 4,307. Tier 1 capital prints at 13.02%, clearing the 10% well-capitalized line. The Texas Ratio is 7.77%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.18%. Balance-sheet scale is $676.1B, 5th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First National Bank (VA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around U.S. Bank

9 FAILURE resolutions in Ohio since 2000, heavy vs the state corpus

U.S. Bank National Association sits in one of the heavier post-2000 FAILURE states (9 resolutions; latest year 2019). The list below is state history from the Failed Bank List, not a claim about U.S. Bank National Association's current Call Report.

  • RESOLUTE BANK MAUMEE, OH 2019 → BUCKEYE STATE BANK
  • COLUMBIA SAVINGS BANK CINCINNATI, OH 2014 → UNITED FIDELITY BANK, FSB
  • BRAMBLE SAVINGS BANK MILFORD, OH 2010 → FOUNDATION BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Ohio banks.

How U.S. Bank National Association's 83/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10083/100
U.S. Bank National Association's composite health score
Tier 1 Capital Ratio (13.02%) 35/40
Return on Assets (ROA) (1.18%) 20/25
Texas Ratio (7.77%) 16/20
Efficiency Ratio (55.44%) 12/15

83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$676.1B

Total balance-sheet footings

Total Deposits

$533.5B

Customer-funded liabilities

Net Loans

$386.3B

Outstanding loan book

Net Income

$7.9B

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.62% 13.02% 14.42%
Basel III capital ratios - U.S. Bank National Association

Where U.S. Bank National Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. U.S. Bank National Association's score of 83/100 falls in the highlighted band.

U.S. Bank National Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 35% higher than 65% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. U.S. Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

U.S. Bank National Association's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). U.S. Bank National Association's $676.1B falls in the highlighted band.

Capital & credit buffers at U.S. Bank

Tier 1 capital ratio
Well-capitalized 10%

13.02% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.02%
Texas Ratio
7.77%
Equity Capital
$68.0B

What these ratios mean →

Earnings posture at U.S. Bank

Return on Assets (ROA)
56th percentile nationally
1.18%
Return on Equity (ROE)
12.02%
Efficiency Ratio
55.44%

What these mean →

Income & expense at U.S. Bank

$30.0B
Interest Income
$11.4B
Non-Interest Income
$16.2B
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. U.S. Bank National Association reports a Texas Ratio of 7.77% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.77% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View U.S. Bank National Association on FDIC BankFind →

Top banks in Ohio by total assets

Largest banks headquartered in Ohio
  1. 1
    JPMorgan Chase Bank $3.75T

    Columbus, OH · Grade A

  2. 2
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  3. 3
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

  4. 4
    Fifth Third Bank $213.7B

    Cincinnati, OH · Grade A

  5. 5
    KeyBank $181.7B

    Cleveland, OH · Grade A

Top 5 banks in Ohio ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to U.S. Bank National Association by assets

U.S. Bank National Association is closely matched in total assets by Capital One, Goldman Sachs Bank USA, PNC Bank, Truist Bank across 5 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.07%, versus U.S. Bank National Association's own 1.18%; the average efficiency ratio is 55.62%, versus 55.44% here; and average Tier 1 capital sits at 14.23%, versus 13.02% at U.S. Bank National Association. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $676.1B in assets, U.S. Bank National Association sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.

Closest banks to U.S. Bank National Association nationally by total assets
  1. 1
    Capital One $658.5B

    Mclean, VA · Grade B

  2. 2
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  3. 3
    PNC Bank $568.3B

    Wilmington, DE · Grade A

  4. 4
    Truist Bank $539.5B

    Charlotte, NC · Grade A

  5. 5
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  6. 6
    State Street Bank and Trust Company $360.7B

    Boston, MA · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
U.S. Bank National Association (this bank) OH $676.1B 1.18% 55.44% 13.02%
Capital One, National Association VA $658.5B 0.55% 52.98% 13.44%
Goldman Sachs Bank USA NY $645.0B 1.42% 39.21% 15.63%
PNC Bank, National Association DE $568.3B 1.30% 57.53% 11.91%
Truist Bank NC $539.5B 1.04% 54.45% 11.78%
The Bank of New York Mellon NY $381.0B 1.31% 60.76% 16.33%
State Street Bank and Trust Company MA $360.7B 0.83% 68.78% 16.27%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($676.1B here), outside Ohio so the neighborhood is not state containment.

Capital One $658.5B · VA Goldman Sachs Bank USA $645.0B · NY PNC Bank $568.3B · DE Truist Bank $539.5B · NC

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) U.S. Bank National Association (FDIC Cert #6548) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

U.S. Bank National Association Call Report profile · FDIC Failed Bank List · Ohio FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Ohio

All Ohio banks →
BankAssetsGradeROA
JPMorgan Chase Bank, National AssociationColumbus $3.75T A 1.34%
The Huntington National BankColumbus $224.0B A 1.20%
Fifth Third Bank, National AssociationCincinnati $213.7B A 1.34%
KeyBank National AssociationCleveland $181.7B A 1.17%
First Financial BankCincinnati $21.0B A 1.53%
Third Federal Savings and Loan Association of ClevelandCleveland $17.5B A 0.51%
The Park National BankNewark $9.7B A 1.90%
Peoples BankMarietta $9.6B A 1.27%