U.S. Bank National Association
Headquarters
425 Walnut St
Cincinnati, OH 45202
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ACH 122105155
Phone 800 473 6372
2024 Overview
General Bank Information
U.S. Bank National Association is an FDIC insured institution located in Cincinnati, OH. It was founded in 1863 and has approximately $650.66 billion in assets. Customers can open an account at one of its 3,249 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 6548 |
| Date Established | 1863 |
| Assets | $ 650.66 billion |
| Loans | $ 368.66 billion |
| Deposits | $ 524.70 billion |
| Capital | $ 62.16 billion |
For a more detailed analysis of U.S. Bank National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.01% | $1 | - |
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Money Market
|
4.25% | $25,000 | $499,999 |
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| CD Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Month Standard
|
0.05% | $500 | $250,000 |
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|
| 6 Month Standard
|
0.05% | $500 | $250,000 |
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| 7 Month CD
|
4.75% | $1,000 | $250,000 |
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| 9 Month Standard
|
0.05% | $500 | $250,000 |
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| 11 Month CD
|
4.00% | $1,000 | $250,000 |
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| 12 Month Standard
|
0.05% | $500 | $250,000 |
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| 18 Month Standard
|
0.05% | $500 | $250,000 |
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| 24 Month Standard
|
0.05% | $500 | $250,000 |
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| 28 Month Step Up CD
|
0.35% | $1,000 | $250,000 |
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| 30 Month Trade Up CD
|
0.10% | $1,000 | $250,000 |
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| 36 Month Standard
|
0.10% | $500 | $250,000 |
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| 48 Month Standard
|
0.15% | $500 | $250,000 |
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| 60 Month Standard
|
0.25% | $500 | $250,000 |
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| 60 Month Trade Up CD
|
0.40% | $1,000 | $250,000 |
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| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| VIRA
|
0.01% | $1 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.01% | $1 | - | Learn More |
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| U.S. Bank Smartly Checking account. | 0.00% | $1,500 | $6.95 | Learn More |
| Platinum Checking | 0.00% | $0 | $24.95 | Learn More |
| Gold Checking Package | 0.25% | $0 | $14.95 | Learn More |
Loan Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
8.65% | 8.65% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
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| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year | 6.96% | 6.96% | $494.56 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
7.12% | 7.31% | $2,195.57 | |
| 7 Year Adjustable Conforming See Amortization Table |
7.12% | 6.50% | $2,022.62 | |
| 10 Year Adjustable Conforming See Amortization Table |
7.01% | 6.50% | $2,022.62 | |
| 15 Year Fixed Conforming See Amortization Table |
5.66% | 5.38% | $2,593.49 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.26% | 6.00% | $2,700.34 | |
| 20 Year Fixed Conforming See Amortization Table |
5.97% | 5.75% | $2,246.67 | |
| 20 Year Fixed Jumbo See Amortization Table |
6.48% | 6.25% | $2,338.97 | |
| 30 Year Fixed Conforming See Amortization Table |
6.27% | 6.13% | $1,944.35 | |
| 30 Year Fixed Jumbo See Amortization Table |
6.41% | 6.25% | $1,970.30 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
7.12% | 7.31% | $2,195.57 | |
| 7 Year Adjustable Conforming See Amortization Table |
7.12% | 6.50% | $2,022.62 | |
| 10 Year Adjustable Conforming See Amortization Table |
7.01% | 6.50% | $2,022.62 | |
| 15 Year Fixed Conforming See Amortization Table |
5.66% | 5.38% | $2,593.49 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.26% | 6.00% | $2,700.34 | |
| 20 Year Fixed Conforming See Amortization Table |
5.97% | 5.75% | $2,246.67 | |
| 20 Year Fixed Jumbo See Amortization Table |
6.48% | 6.25% | $2,338.97 | |
| 30 Year Fixed Conforming See Amortization Table |
6.27% | 6.13% | $1,944.35 | |
Compare with 6.944% APR and 6.750% 30-Year Fixed RATE from PenFed Credit Union
See All Mortgage Rates |
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| 30 Year Fixed Jumbo See Amortization Table |
6.41% | 6.25% | $1,970.30 | |
|
Compare with 6.944% APR and 6.750% 30-Year Fixed RATE from PenFed Credit Union
See All Mortgage Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
U.S. Bank National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
US Bank claims to be aggressively seeking to fund projects in the wind and solar sectors, as well as fuel cell and biomass projects. While the bank curtailed its funding of oil and gas pipelines in 2017, it has not written down or sold off its carbon producing portfolio in spite of shareholders' pressure.
Updated November 30, -0001
The bank, while entrenched in fossil fuels lending, is seeing to fund sustainable energy projects.
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Financial Details
U.S. Bank National Association Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of U.S. Bank National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| U.S. Bank National Association | U.S. Bank Average |
|---|---|
| 6.02% | 3.96% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of December 31, 2024, U.S. Bank National Association had $4,159,496,000 in non-current loans and $25,845,000 in owned real estate. To cover these potential losses it had $62,161,185,000 in equity and $7,379,461,000 in loans loss reserves. That gives it a Texas Ratio of 6.02%.
Return on Equity
| U.S. Bank National Association | U.S. Bank Average |
|---|---|
| 9.7% | 12.20% |
U.S. Bank National Association has a Return on Equity of 9.7% versus the BestCashCow average of 12.20%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| U.S. Bank National Association | U.S. Bank Average |
|---|---|
| 9.55% | 10.76% |
U.S. Bank National Association has a Capitalization of 9.55% versus the BestCashCow average of 10.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
U.S. Bank National Association Balance Sheet Analysis
As of December 31, 2023, U.S. Bank National Association had assets of $650,658,504,000, loans of $368,656,745,000, and deposits of $524,697,711,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
December 31, 2024| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 60.93 billion |
| Interest-bearing balances | $ 54.57 billion |
| Total securities | $ 153.10 billion |
| Federal funds sold and reverse repurchase | $ 32.08 million |
| Net loans and leases | $ 368.66 billion |
| Loan loss allowance | $ 7.38 billion |
| Trading account assets | $ 2.84 billion |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 25.85 million |
| Goodwill and other intangibles | $ 18.40 billion |
| All other assets | $ 33.63 billion |
| Total Assets | $ 588.50 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $ 524.70 billion |
| Interest-bearing deposits | $ 433.95 billion |
| Deposits held in domestic offices | $ 517.22 billion |
| % insured (estimated) | 49.63% |
| Federal funds purchased and repurchase agreements | $ 585.52 million |
| Trading liabilities | $ 4.50 billion |
| Other borrowed funds | $ 37.48 billion |
| Subordinated debt | $ 4.60 billion |
| All other liabilities | $ 14.48 billion |
| Total Liabilities | $ 588.50 billion |
| Shareholders’ Equity | $ 62.16 billion |
Summary Income Statement
December 31, 2024| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 29.69 billion |
| Total Interest Expense | $ 11.75 billion |
| Net interest income | $ 17.94 billion |
| Provision for loan and lease losses | $ 2.29 billion |
| Total non interest income | $ 10.36 billion |
| Total non interest expense | $ 18.36 billion |
| Pre-tax Net Operating Income | $ 4.02 billion |
Bank Loan Profile?
The top three loan types in U.S. Bank National Association’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Credit Card Loans.
Compared to other banks in Ohio, U.S. Bank National Association has a significantly higher percent of Credit Card Loans, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 26.00 | ✓ | ||
| Multifamily Mortgages |
1.74 | ✓ | ||
| Credit Card Loans | 6.71 | ✓ | ||
| Consumer Auto Loans | 6.46 | ✓ | ||
| Small Business Loans | 0.99 | ✓ | ||
| Construction and Development Loans | 2.55 | ✓ | ||
| Commercial Real Estate | 5.90 | ✓ | ||
| Commercial and Industrial Loans | 25.55 | ✓ | ||
| Farm Loans | 0.14 | ✓ | ||
Customer Reviews for U.S. Bank National Association
Ugg
June 12, 2023 |
US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take over not knowing anything hiw he was paying bills. Billpay, autopay or by check or credit card.
I am in the account with him and have been. WE HAVE BEEN MARRIED 30 years next year. How dare they treat me like a goldigger. The account was just paying normal bills and me needing money to clean, move, sell a home (downsizing). I sold the house by myself to save money. Did all the work but steam cleaning carpet. I tore two tendins in my shoulder to save us money. I was taking care of my husbands needs after finding him initially dying and THEN HAD TO ENDURE TWO WEEKS OF HELL BECAUSE THE BANK DID THIS TO US. All charges DROPPED. I hate this bank staff of condescending -do gooders.
Is this review helpful? Yes:1 / No: 0
Larry Sweat
February 26, 2015
I own a 3/2 brick home built in 2006 in North Richland Hills, TX near Fort Worth that has a tax appraised value of $196,000. I currently have a single mortgage with a balance of $46,000. I will have this mortgage paid off within 12 months because I am paying at an accelerated monthly amount of $5000. My credit score is 806. Can you offer me a 3.99% HELOC for $75,000 that is locked for the first 24 months of the note which will not vary more than 2% per year after the first 24 months and can I pay interest only for the first 24 months?
Is this review helpful? Yes:10 / No: 8
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