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U.S. Bank National Association
Cincinnati, OH · FDIC Certificate #6548 · Chartered 07/1
Total assets
$705.55B
Total deposits
$541.89B
Total equity
$69.47B
Net loans
$405.69B
Branches (offices)
2,097
Net income (YTD)
$4.23B
Rank: #6 of 4,213 U.S. banks by assets · #2 of 155 in Ohio. Assets changed 5.1% and deposits 2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.23% |
| Return on equity | 12.38% |
| Net interest margin (YTD) | 2.87% |
| Equity to assets | 9.85% |
| Tier 1 leverage ratio | 9.49% |
| Uninsured deposits (share of deposits) | 52.2% |
| Noncurrent loans (share of loans) | 1.45% |
| Net charge-offs (share of loans) | 0.54% |
| Loans to deposits | 74.9% |
| Real estate loans (share of loans) | 45.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $185.58B | 45.7% | |
| Commercial & industrial | $91.89B | 22.7% | |
| Consumer / individual | $52.04B | 12.8% | |
| Construction & development | $9.38B | 2.3% | |
| Agricultural | $1.06B | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $582.25B | $477.43B | $3.16B | $43.68B |
| Jun 2023 | $669.90B | $534.52B | $3.29B | $61.18B |
| Jun 2024 | $664.92B | $533.85B | $3.03B | $62.79B |
| Jun 2025 | $671.44B | $529.92B | $3.70B | $66.01B |
| Jun 2026 | $705.55B | $541.89B | $4.23B | $69.47B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $115.11B | 563 |
| Minnesota | $106.54B | - |
| Ohio | $103.65B | 161 |
| Wisconsin | $33.77B | - |
| Missouri | $24.18B | 129 |
| Washington | $23.12B | 136 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $532.85B.
Similar-sized banks
Goldman Sachs Bank Usa ($758.79B) · Capital One, National Association ($662.16B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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