U S Bank National Assn
Cincinnati, Ohio · FDIC Cert #6548
U S Bank National Assn is an FDIC-insured bank (Certificate #6548) with $664.9B in total assets and $533.8B in total deposits as of the Q2 2024 Call Report. Headquartered in Cincinnati, Ohio, the bank maintains a Tier 1 capital ratio of 13.38% (Well-Capitalized) and a nonperforming loan ratio of 1.11%. BankHealthData assigns a composite Health Grade of A (86/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
U S Bank National Assn (FDIC cert 6548) is a mega-bank: $664.9B in total assets, $533.8B in deposits, headquartered in Cincinnati, Ohio. Banks at this scale account for the bulk of U.S. banking assets and operate under enhanced prudential standards from the Federal Reserve, OCC, and FDIC.
Capital position is strong: Tier 1 capital ratio of 13.38% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.11% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 34.0% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.17% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. U S Bank National Assn carries a composite BankHealth grade of A (86/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: U S Bank National Assn
- Total Assets
- $664.9B
- Total Deposits
- $533.8B
- Tier 1 Capital Ratio
- 13.38%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.11%
- Liquidity Ratio
- 34.02%
- Return on Assets
- 1.17%
- Headquarters
- Cincinnati, Ohio
- FDIC Certificate
- #6548
- Health Grade
- A (86/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, U S Bank National Assn holds a Tier 1 capital ratio of 13.38%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning U S Bank National Assn has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
U S Bank National Assn shows strong financial health indicators. With $664.9B in assets and a Health Score of 86/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How U S Bank National Assn Compares
U S Bank National Assn’s Health Score of 86 is 19 points above the Ohio state average of 67 across 144 FDIC-insured banks. Its 13.38% Tier 1 capital ratio is 0.6 points below the US banking industry average near 14%. The 1.11% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.17% is in line with or above the national ROA benchmark of ~1.1%. Among 6 similarly-sized banks, the average Health Score is 86, meaning this bank ranks above its size cohort. Site-wide, U S Bank National Assn is 16 points above the portfolio average of 70.
Frequently Asked Questions
U S Bank National Assn has a Bank Health Score of A (86/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 13.38%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. U S Bank National Assn's Tier 1 capital ratio of 13.38% and nonperforming loan ratio of 1.11% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at U S Bank National Assn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #6548). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
U S Bank National Assn holds $664.9B in total assets and $533.8B in total deposits. It is headquartered in Cincinnati, Ohio (FDIC Certificate #6548).
U S Bank National Assn has a Tier 1 capital ratio of 13.38%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.11%, and the return on assets is 1.17%.
Yes. U S Bank National Assn is FDIC-insured (Certificate #6548). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
U S Bank National Assn's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.