BlastPoint's Banking Scorecard
U.S. Bank National Association
Titans
Specialty: Other
OH
FDIC cert 6548
Cincinnati, OH
16
banks in Titans tier nationally
2 in OH
View Titans leaderboard (OH) →
U.S. Bank National Association faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 1% in Titans
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$676.1B
+2.0% YoY
-0.5% QoQ
|
-$276.2B |
$952.4B
-3.6% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$386.3B
+3.1% YoY
+2.3% QoQ
|
-$32.2B |
$418.5B
-0.2% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$533.5B
+0.9% YoY
-0.8% QoQ
|
-$206.3B |
$739.8B
-3.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
1.18%
+20.9% YoY
+2.8% QoQ
|
+0.07% |
1.11%
+7.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
2.86%
+1.6% YoY
+0.7% QoQ
|
+0.38% |
2.47%
+1.2% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
55.44%
-5.8% YoY
-0.8% QoQ
|
-0.42% |
55.86%
+1.9% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
1.52%
+15.0% YoY
+18.3% QoQ
|
+0.66% |
0.86%
-12.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
72.41%
+2.1% YoY
+3.1% QoQ
|
+16.73% |
55.68%
+5.4% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
16.03%
-0.4% YoY
-7.2% QoQ
|
+1.23% |
14.80%
-14.8% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.87%
+16.2% YoY
+21.6% QoQ
|
+0.43% |
0.44%
-9.5% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? |
13.11%
-3.6% YoY
-2.7% QoQ
|
-2.41% |
15.52%
+8.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
31% |
| Non-Interest Income / Assets ? |
1.69%
+4.8% YoY
+35.1% QoQ
|
+0.43% |
1.25%
-5.5% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#1 of 4 · Bottom 1% in Titans
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
4 of 4 Titans banks match
·
759 nationally
→ Stable
+24 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
81
81th pctile
Non-Interest Income / Assets
Current: 1.69% · Tier avg: 1.25%
75
75th pctile
Total Assets
Current: $676.1B · Tier avg: $952.4B
75
75th pctile
Total Deposits
Current: $533.5B · Tier avg: $739.8B
75
75th pctile
Loan-to-Deposit Ratio
Current: 72.41% · Tier avg: 55.68%
69
69th pctile
Total Loans
Current: $386.3B · Tier avg: $418.5B
62
62th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.11%
50
50th pctile
Net Interest Margin
Current: 2.86% · Tier avg: 2.47%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 16.03% · Tier avg: 14.80%
38
38th pctile
Efficiency Ratio
Current: 55.44% · Tier avg: 55.86%
31
31th pctile
Tier 1 Capital Ratio
Current: 13.11% · Tier avg: 15.52%
12
12th pctile
Delinquency Rate
Current: 1.52% · Tier avg: 0.86%
12
12th pctile
Nonperforming Asset Ratio
Current: 0.87% · Tier avg: 0.44%
Top Weaknesses
12
12th pctile
Nonperforming Asset Ratio
Current: 0.87% · Tier avg: 0.44%
12
12th pctile
Delinquency Rate
Current: 1.52% · Tier avg: 0.86%
31
31th pctile
Tier 1 Capital Ratio
Current: 13.11% · Tier avg: 15.52%
38
38th pctile
Efficiency Ratio
Current: 55.44% · Tier avg: 55.86%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 16.03% · Tier avg: 14.80%
50
50th pctile
Net Interest Margin
Current: 2.86% · Tier avg: 2.47%
62
62th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.11%
69
69th pctile
Total Loans
Current: $386.3B · Tier avg: $418.5B
75
75th pctile
Loan-to-Deposit Ratio
Current: 72.41% · Tier avg: 55.68%
75
75th pctile
Total Deposits
Current: $533.5B · Tier avg: $739.8B
75
75th pctile
Total Assets
Current: $676.1B · Tier avg: $952.4B
81
81th pctile
Non-Interest Income / Assets
Current: 1.69% · Tier avg: 1.25%