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Fifth Third Bank, National Association
Cincinnati, OH·FDIC Cert #6672·Charter: OCC·Est. 18650101.0·HC: FIFTH THIRD BCORP
Total Assets
$213.7B
Q4 2025
Return on Assets
1.34%
+0.07%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
53.98%
Peer avg: 54.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
62
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.34%+0.07
ROE
12.12%+0.48
Efficiency
53.98%-0.52
Equity/Assets
0.00%+0.00
NPL Ratio
0.88%+0.09
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
69.14%-2.44
Charge-offs
0.60%-0.07
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 | 1.1 | 1.2 | 1.2 | 1.3 | 1.1 | 1.2 | 1.3 | 1.3 |
| ROE | 11.5 | 12.4 | 12.1 | 12.3 | 10.7 | 11.4 | 11.6 | 12.1 |
| Efficiency | 60.1 | 57.4 | 56.4 | 55.7 | 57.8 | 55.6 | 54.5 | 54.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.8 | 0.7 | 0.8 | 0.9 | 1.0 | 0.9 | 0.8 | 0.9 |
| Charge-offs | 0.4 | 0.4 | 0.5 | 0.5 | 0.4 | 0.5 | 0.7 | 0.6 |
| Loan/Deposit | 65.4 | 66.7 | 66.4 | 68.8 | 71.2 | 71.8 | 71.6 | 69.1 |
Balance Sheet
Total Assets$213.7B
Total Deposits$175.2B
Total Loans$121.1B
Total Equity$24.6B
Profitability
ROA1.34%
ROE12.12%
Efficiency Ratio53.98%
Net Income$2.8B
Risk & Asset Quality
NPL Ratio0.88%
Charge-off Rate0.60%
Loan/Deposit69.14%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans