U.S. Bank National Association

425 Walnut Street
Cincinnati, OH 45202

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 6548
Date Established 1863
Assets $442.99 billion
Loans $271.76 billion
Deposits $346.55 billion
Capital $46.90 billion

U.S. Bank National Association is an FDIC insured institution located in Cincinnati, OH. It was founded in 1863 and has approximately $442.99 billion in assets. Customers can open an account at one of its 3,249 branches.

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.

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 Commercial Real Estate.

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 29.44
Multifamily
Mortgages
1.58
Credit Card Loans 7.50
Consumer Auto Loans 6.45
Small Business Loans 2.15
Construction and Development Loans 4.29
Commercial Real Estate 8.60
Commercial and Industrial Loans 25.87
Farm Loans 0.34

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.05% $10,000 $24,999 Learn MoreShow Less
3 Mo CD 100K
0.05% $100,000 $249,999 Learn MoreShow Less
6 Mo CD 10K
0.05% $10,000 $24,999 Learn MoreShow Less
6 Mo CD 100K
0.05% $100,000 $249,999 Learn MoreShow Less
Special: 11 Mo CD
1.01% $1,000 $249,999 Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.10% $500 $4,999 Learn MoreShow Less
Special: 11 Mo FIRA
1.01% $1,000 $249,999 Learn MoreShow Less
Special: 19 Mo FIRA
0.50% $1,000 $249,999 Learn MoreShow Less
Special: 19 Mo FIRA
1.15% $1,000 $249,999 Learn MoreShow Less
Special: 37 Mo FIRA
0.75% $1,000 $249,999 Learn MoreShow Less
Special: 37 Mo FIRA
1.25% $1,000 $249,999 Learn MoreShow Less
Special: 59 Mo FIRA
1.90% $1,000 $249,999 Learn MoreShow Less
Special: 59 Mo FIRA
1.50% $1,000 $249,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.05% $1 $4,999 Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.04% $1,000 $9,999 Learn MoreShow Less
MM 10K
0.05% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.05% $25,000 - Learn MoreShow Less
PREMM Rates APY MIN MAX
PREMMM10K
0.05% $10,000 $24,999 Learn MoreShow Less
PREMMM25K
0.05% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.01% $1 $999 Learn MoreShow Less
Int Ckg 2.5K
0.01% $1,000 $9,999 Learn MoreShow Less
Checking Rates APY MIN FEE
Easy Checking 0.00% $1,500 $8.95 Learn MoreShow Less
Silver Checking Package 0.00% $1,500 $8.95 Learn MoreShow Less
Gold Checking Package 0.25% $0 $12.95 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

BestCashCow tracks mortgage, home equity, and auto loan rates. In the future, we will be adding other loan products. Please contact the lender for questions about their loan products.

Home Equity Rates APR Rate Monthly Payment
Line of Credit 1.99% 1.99% Varies Learn MoreShow Less
Auto Loan Rates APR Rate Monthly Payment
3 Year 2.74% 2.74% $724.17 Learn MoreShow Less
Refinance Mortgage Rates APR Rate Monthly Payment
15 Year Fixed Conforming 4.00% 3.88% $1,834.22 Learn MoreShow Less
15 Year Fixed Jumbo 4.04% 4.00% $1,849.22 Learn MoreShow Less
20 Year Fixed Conforming 4.48% 4.38% $1,565.48 Learn MoreShow Less
20 Year Fixed Jumbo 4.41% 4.38% $1,565.48 Learn MoreShow Less
30 Year Fixed Conforming 4.57% 4.50% $1,266.71 Learn MoreShow Less
30 Year Fixed Jumbo 4.65% 4.63% $1,286.10 Learn MoreShow Less
Purchase Mortgage Rates APR Rate Monthly Payment
15 Year Fixed Conforming 4.00% 3.88% $1,834.22 Learn MoreShow Less
15 Year Fixed Jumbo 4.04% 4.00% $1,849.22 Learn MoreShow Less
20 Year Fixed Conforming 4.48% 4.38% $1,565.48 Learn MoreShow Less
20 Year Fixed Jumbo 4.41% 4.38% $1,565.48 Learn MoreShow Less
30 Year Fixed Conforming 4.57% 4.50% $1,266.71 Learn MoreShow Less
30 Year Fixed Jumbo 4.65% 4.63% $1,286.10 Learn MoreShow Less

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:
Ashburn,Virginia


U.s. Bank National Association Locations

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
9.26% 8.87%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2017, U.S. Bank National Association had $4,516,490,000 in non-current loans and $177,635,000 in owned real estate. To cover these potential losses it had $46,895,683,000 in equity and $3,815,674,000 in loans loss reserves. That gives it a Texas Ratio of 9.26%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
U.S. Bank National Association U.S. Bank Average
11.92% 8.39%

U.S. Bank National Association has a Return on Equity of 11.92% versus the BestCashCow average of 8.39%. 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
10.59% 11.94%

U.S. Bank National Association has a Capitalization of 10.59% versus the BestCashCow average of 11.94%. 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 March 31, 2017, U.S. Bank National Association had assets of $442,985,106,000, loans of $271,757,654,000, and deposits of $346,548,026,000. 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.

Customer Reviews for U.S. Bank National Association


  • 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?

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