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U.S. Bank National Association
Cincinnati, OH · National bank · Part of U S Bcorp
- Total assets
- $705.6B
- Q2 2026
- Deposits
- $541.9B
- Net income
- $4.23B
- first half of 2026
- Return on assets
- 1.23%
- Annualized
Bank details
As reported to the FDIC
- FDIC certificate
- 6548
- Main office
- Cincinnati, OH
- Holding company
- U S Bcorp
- Charter
- National bank
- Primary federal regulator
- Office of the Comptroller of the Currency (OCC)
- Established
- 07/13/1863
- FDIC insured since
- 01/01/1934
- U.S. offices
- 2,097
- Employees (full-time equivalent)
- 65,445
- Specialty
- All Other Over 1 Billion
- Website
- www.usbank.com
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $705.6B | $683.4B | $676.1B | $679.3B | $671.4B | $659.2B | $662.9B | $670B |
| Deposits | $541.9B | $539.8B | $533.5B | $537.7B | $529.9B | $523.1B | $528.5B | $529.7B |
| Net loans and leases | $405.7B | $395.1B | $386.3B | $377.5B | $375B | $376B | $374.8B | $369.8B |
| Securities | $162.5B | $168.3B | $166.4B | $165.3B | $167.8B | $164.1B | $164B | $161.1B |
| Equity capital | $68.83B | $67.97B | $67.96B | $66.8B | $65.38B | $64.5B | $63.54B | $64.28B |
| Net income (year to date) | $4.23B | $1.99B | $7.89B | $5.74B | $3.7B | $1.75B | $6.46B | $4.7B |
| Return on assets | 1.23% | 1.17% | 1.18% | 1.15% | 1.11% | 1.06% | 0.97% | 0.94% |
| Return on equity | 12.38% | 11.72% | 12.02% | 11.77% | 11.46% | 10.96% | 10.32% | 10.05% |
| Net interest margin | 2.87% | 2.87% | 2.86% | 2.84% | 2.83% | 2.85% | 2.81% | 2.79% |
| Efficiency ratio | 54.6% | 55.5% | 55.4% | 55.9% | 56.8% | 57.7% | 58.9% | 59.2% |
| Noncurrent loans | 1.47% | 1.69% | 1.52% | 1.28% | 1.28% | 1.32% | 1.32% | 1.23% |
| Net charge-off rate | 0.54% | 0.55% | 0.56% | 0.57% | 0.57% | 0.57% | 0.57% | 0.56% |
| Leverage (core capital) ratio | 9.49% | 9.40% | 9.38% | 9.34% | 9.35% | 9.33% | 9.28% | 9.34% |
| Total risk-based capital ratio | 14.94% | 14.96% | 15.12% | 15.51% | 15.59% | 15.81% | 15.77% | 15.83% |
Assets grew 5.1% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$185.6B45.7%
- Commercial and industrial loans$91.89B22.7%
- Consumer loans$52.04B12.8%
Find bank branches in Ohio · Employees: 65,445
Frequently asked questions
- What is U.S. Bank National Association's FDIC certificate number?
- U.S. Bank National Association's FDIC certificate number is 6548.
- How big is U.S. Bank National Association?
- U.S. Bank National Association reported total assets of $705.6B and deposits of $541.9B as of Q2 2026.
- Is U.S. Bank National Association FDIC insured?
- Yes. U.S. Bank National Association has been insured by the FDIC since 01/01/1934. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026