U.S. Bank National Association

Headquarters

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

ACH 122105155

Phone 800 473 6372

Notable Rates APY Vs.Others
Savings 0.01% 5.55% →
1-Year CD 0.05% 5.41% →
2-Year CD 0.05% 5.00% →
5-Year CD 0.40% 4.55% →
30-Year Mortgage 6.41% 4.91% →
15-Year Mortgage 6.26% 4.39% →
HELOC 8.65% 0.99% →

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 14, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
SAV
0.01% $1 - Learn More
Money Market
4.25% $25,000 $499,999 Learn More
CD Rates APY MIN MAX
3 Month Standard
0.05% $500 $250,000 Learn More
6 Month Standard
0.05% $500 $250,000 Learn More
7 Month CD
4.75% $1,000 $250,000 Learn More
9 Month Standard
0.05% $500 $250,000 Learn More
11 Month CD
4.00% $1,000 $250,000 Learn More
12 Month Standard
0.05% $500 $250,000 Learn More
18 Month Standard
0.05% $500 $250,000 Learn More
24 Month Standard
0.05% $500 $250,000 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 $250,000 Learn More
48 Month Standard
0.15% $500 $250,000 Learn More
60 Month Standard
0.25% $500 $250,000 Learn More
60 Month Trade Up CD
0.40% $1,000 $250,000 Learn More

Variable IRA Rates APY MIN MAX
VIRA
0.01% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
INTCK
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 - April 14, 2024

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.

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



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


Climate Score: B

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


  • 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.

  • 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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