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U.S. Bank National Association
Cincinnati, OH·FDIC Cert #6548·Charter: OCC·Est. 18630713.0·HC: U S BCORP
Total Assets
$676.1B
Q4 2025
Return on Assets
1.18%
+0.03%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
55.44%
Peer avg: 51.9%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.18%+0.03
ROE
12.02%+0.25
Efficiency
55.44%-0.47
Equity/Assets
0.00%+0.00
NPL Ratio
1.52%+0.24
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
72.41%+2.21
Charge-offs
0.56%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 0.9 | 0.9 | 1.0 | 1.1 | 1.1 | 1.1 | 1.2 |
| ROE | 9.2 | 9.8 | 10.1 | 10.3 | 11.0 | 11.5 | 11.8 | 12.0 |
| Efficiency | 62.5 | 60.3 | 59.2 | 58.9 | 57.7 | 56.8 | 55.9 | 55.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 1.2 | 1.1 | 1.2 | 1.3 | 1.3 | 1.3 | 1.3 | 1.5 |
| Charge-offs | 0.5 | 0.5 | 0.6 | 0.6 | 0.6 | 0.6 | 0.6 | 0.6 |
| Loan/Deposit | 68.4 | 69.5 | 69.8 | 70.9 | 71.9 | 70.8 | 70.2 | 72.4 |
Balance Sheet
Total Assets$676.1B
Total Deposits$533.5B
Total Loans$386.3B
Total Equity$68.0B
Profitability
ROA1.18%
ROE12.02%
Efficiency Ratio55.44%
Net Income$7.9B
Risk & Asset Quality
NPL Ratio1.52%
Charge-off Rate0.56%
Loan/Deposit72.41%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans