U.S. Bank National Association


425 Walnut St
Cincinnati, OH 45202
See all branch locations →

ACH 122105155

Phone 800 473 6372

Notable Rates APY Vs.Others
Savings 0.01% 6.25% →
1-Year CD 0.05% 5.25% →
2-Year CD 0.05% 5.00% →
5-Year CD 0.40% 4.67% →
30-Year Mortgage 6.41% 0.00% →
15-Year Mortgage 6.26% 0.00% →
HELOC 8.65% 0.99% →

2023 Overview

General Bank Information

U.S. Bank National Association is an FDIC insured institution located in Cincinnati, OH. It was founded in 0000 and has approximately $585.14 billion in assets. Customers can open an account at one of its 3,249 branches.

FDIC Insured Yes
FDIC Certificate # 6548
Date Established 0000
Assets $ 585.14 billion
Loans $ 330.95 billion
Deposits $ 464.82 billion
Capital $ 44.72 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 - June 3, 2023

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
0.01% $1 - Learn More
Money Market
0.01% $0 $24,999 Learn More
Money Market
3.85% $25,000 $499,999 Learn More
Money Market
0.75% $500,000 - Learn More
3 Month Standard
0.05% $500 - Learn More
6 Month Standard
0.05% $500 - Learn More
7 Month CD
4.40% $1,000 - Learn More
9 Month Standard
0.05% $500 - Learn More
11 Month CD
4.50% $1,000 - Learn More
12 Month Standard
0.05% $500 - Learn More
15 Month CD
4.60% $1,000 - Learn More
18 Month Standard
0.05% $500 - Learn More
19 Month CD
4.70% $1,000 - Learn More
24 Month Standard
0.05% $500 - Learn More
28 Month Step Up CD
0.35% $1,000 $250,000 Learn More
30 Month Trade Up CD
0.10% $1,000 $250,000 Learn More
36 Month Standard
0.10% $500 - Learn More
48 Month Standard
0.15% $500 - Learn More
60 Month Standard
0.05% $500 - Learn More
60 Month Trade Up CD
0.40% $1,000 $250,000 Learn More

Variable IRA Rates APY MIN MAX
0.01% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
0.01% $1 - Learn MoreShow Less
Checking Rates APY MIN FEE
U.S. Bank Smartly Checking account. 0.00% $1,500 $6.95 Learn MoreShow Less
Platinum Checking 0.00% $0 $24.95 Learn MoreShow Less
Gold Checking Package 0.25% $0 $14.95 Learn MoreShow Less

Loan Rates - June 3, 2023

Your Current Location: Virginia, VA 20146

Auto Loan Rates APR Rate Monthly Payment
5 Year 6.96% 6.96% $494.56
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

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.


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.

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U.S. Bank National Association Locations

Climate Initiatives

U.S. Bank National Association is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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
6.6% 4.09%

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, 2022, U.S. Bank National Association had $3,329,889,000 in non-current loans and $22,424,000 in owned real estate. To cover these potential losses it had $44,715,034,000 in equity and $6,108,069,000 in loans loss reserves. That gives it a Texas Ratio of 6.6%.

Return on Equity
U.S. Bank National Association U.S. Bank Average
14.72% 10.02%

U.S. Bank National Association has a Return on Equity of 14.72% versus the BestCashCow average of 10.02%. 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.

U.S. Bank National Association U.S. Bank Average
7.64% 10.44%

U.S. Bank National Association has a Capitalization of 7.64% versus the BestCashCow average of 10.44. 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, 2022, U.S. Bank National Association had assets of $585,135,605,000, loans of $330,951,976,000, and deposits of $464,820,641,000. 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, 2022
Cash & Balances due from depository institutions $ 45.45 billion
Interest-bearing balances $ 39.61 billion
Total securities $ 150.49 billion
Federal funds sold and reverse repurchase $ 249.67 million
Net loans and leases $ 330.95 billion
Loan loss allowance $ 6.11 billion
Trading account assets $ 2.41 billion
Bank premises and fixed assets N.A.
Other real estate owned $ 22.42 million
Goodwill and other intangibles $ 14.32 billion
All other assets $ 33.63 billion
     Total Assets $ 540.42 billion
Total deposits $ 464.82 billion
      Interest-bearing deposits $ 362.41 billion
      Deposits held in domestic offices $ 453.33 billion
      % insured (estimated) 45.98%
Federal funds purchased and repurchase agreements $ 8.57 billion
Trading liabilities $ 5.33 billion
Other borrowed funds $ 37.48 billion
Subordinated debt $ 4.60 billion
All other liabilities $ 14.48 billion
      Total Liabilities $ 540.42 billion
      Shareholders’ Equity $ 44.72 billion

Summary Income Statement

December 31, 2022
Total Interest Income $ 17.50 billion
Total Interest Expense $ 2.78 billion
Net interest income $ 14.72 billion
Provision for loan and lease losses $ 1,302.55 million
Total non interest income $ 9.04 billion
Total non interest expense $ 14.23 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 28.96
Credit Card Loans 7.47
Consumer Auto Loans 7.20
Small Business Loans 1.07
Construction and Development Loans 2.84
Commercial Real Estate 6.57
Commercial and Industrial Loans 28.46
Farm Loans 0.15

Customer Reviews for U.S. Bank National Association

  • 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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