Fifth Third Bank, National Association


38 Fountain Square Plz
Cincinnati, OH 45202
See all branch locations →

ACH 042000314

Phone 866 671 5353

Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.41% →
2-Year CD N.A. 4.95% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

Fifth Third Bank, National Association is an FDIC insured institution located in Cincinnati, OH. It was founded in 1865 and has approximately $213.77 billion in assets. Customers can open an account at one of its 1,319 branches.

FDIC Insured Yes
FDIC Certificate # 6672
Date Established 1865
Assets $ 213.77 billion
Loans $ 115.29 billion
Deposits $ 175.81 billion
Capital $ 21.19 billion

For a more detailed analysis of Fifth Third Bank, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - June 24, 2024

Your Current Location: Virginia, VA 20146

Checking Rates APY MIN FEE
Express Checking 0.00% $1,500 $0.00 Learn MoreShow Less
Preferred Checking 0.01% $100 $25.00 Learn MoreShow Less

Loan Rates - June 24, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Fifth Third Bank, National Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Monthly
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Price Mortgage, LLC
NMLS ID: 1429043
License#: MC-7349
6.303% 6.125%
0.88 points
$6,106 fees
$1,945 Learn More
PenFed Credit Union
NMLS ID: 401822
6.553% 6.375%
0.88 points
$6,000 fees
$1,997 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.732% 6.625%
0.88 points
$3,542 fees
$2,049 Learn More
NMLS ID: 1907
7.065% 6.875%
1.00 points
$6,202 fees
$2,103 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.990 %
$0 Learn More
More Info

Note to Fifth Third Bank, National Association
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Fifth Third 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.

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Climate Policy and Initiatives

Fifth Third describes its energy transition investment banking efforts here.

Updated April 12, 2024

Climate Score: C

The bank has done quite a bit of solar lending but it is not considered a major player in the space. The bank also continues to be a major lender to midwestern coal exploration projects.

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Financial Details

Fifth Third Bank, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Fifth Third Bank, National Association. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Fifth Third Bank, National Association U.S. Bank Average
3.64% 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, Fifth Third Bank, National Association had $826,000,000 in non-current loans and $29,000,000 in owned real estate. To cover these potential losses it had $21,191,000,000 in equity and $2,322,000,000 in loans loss reserves. That gives it a Texas Ratio of 3.64%.

Return on Equity
Fifth Third Bank, National Association U.S. Bank Average
13.43% 12.20%

Fifth Third Bank, National Association has a Return on Equity of 13.43% 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.

Fifth Third Bank, National Association U.S. Bank Average
9.91% 10.76%

Fifth Third Bank, National Association has a Capitalization of 9.91% 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.

Fifth Third Bank, National Association Balance Sheet Analysis

As of December 31, 2023, Fifth Third Bank, National Association had assets of $213,768,000,000, loans of $115,290,000,000, and deposits of $175,810,000,000. 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
Cash & Balances due from depository institutions $ 25.18 billion
Interest-bearing balances $ 22.08 billion
Total securities $ 49.72 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 115.29 billion
Loan loss allowance $ 2.32 billion
Trading account assets $ 4.03 billion
Bank premises and fixed assets N.A.
Other real estate owned $ 29.00 million
Goodwill and other intangibles $ 6.68 billion
All other assets $ 10.11 billion
     Total Assets $ 192.58 billion
Total deposits $ 175.81 billion
      Interest-bearing deposits $ 132.55 billion
      Deposits held in domestic offices $ 175.65 billion
      % insured (estimated) 53.73%
Federal funds purchased and repurchase agreements $ 523.00 million
Trading liabilities $ 2.89 billion
Other borrowed funds $ 8.93 billion
Subordinated debt $ 749.00 million
All other liabilities $ 3.15 billion
      Total Liabilities $ 192.58 billion
      Shareholders’ Equity $ 21.19 billion

Summary Income Statement

December 31, 2024
Total Interest Income $ 9.79 billion
Total Interest Expense $ 3.46 billion
Net interest income $ 6.33 billion
Provision for loan and lease losses $ 515.00 million
Total non interest income $ 2.81 billion
Total non interest expense $ 5.18 billion
Pre-tax Net Operating Income $ 1,451.70 million

Bank Loan Profile?

The top three loan types in Fifth Third Bank, National Association’s loan portfolio are Commercial and Industrial Loans, 1-4 Family Residential Loans, and Consumer Auto Loans.

Compared to other banks in Ohio, Fifth Third Bank, National Association has a significantly higher percent of Consumer Auto 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 20.50
Credit Card Loans 1.53
Consumer Auto Loans 12.93
Small Business Loans 0.73
Construction and Development Loans 4.10
Commercial Real Estate 7.84
Commercial and Industrial Loans 45.02
Farm Loans 0.02

Customer Reviews for Fifth Third Bank, National Association

  • November 12, 2018 |

    CDs 60 Month Rates

    Helpful w/$

  • September 22, 2018

    My experience with this Bank is they are dishonest, I would go out of my way to Bank elsewhere!

  • July 23, 2018

    Worst bank ever. No customer service.
    Rates are deceptive. Be careful. If you put a large amount like 100000, they will unknown to you put 50000 @ advertised rate and 50000@ a lower rate at a different time limit. No statements are sent so they can hide what they've done. Worse part they don't even send 1099s so you end up not filing correct taxes. They also notify IRS in May for the current tax year. Something is rotten @ Fifth Third bank.

  • July 23, 2018

    Beware! This bank is horrible. Their advertised rates are deceptive. As an example: You put in 100000 @ 2%. Fifth third will give you the 2% on 50000 and 1% on the other 50%. When you figure this out and question them, they will say that was the deal. They also changed rate from 5 yrs to 2. The biggest problem is the fact that they do not send any statements, including 1099s. I am now in arrears to IRS because of them. They finally reported my taxes for 2016 and I have to pay a penalty. The IRs admitted they were notified in May instead of April 15th. If you want aggravation, bank with Fifth Third. They are the only bank in Florida that does not send a quarterly statement or 1099s.

  • September 8, 2015




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