🏦Bank Scorer

U.S. BANK NATIONAL ASSOCIATION

CINCINNATI, OH · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1863FDIC #6,548
Part ofU.S. Bancorp→ View all charters
Outstanding Same

Current rating · Exam: January 2022

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Consumer Complaints (12 mo)

240

0.35 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 1.17%

Institution Profile

FDIC BankFind

Address

425 Walnut St, CINCINNATI, OH

County

Hamilton County

Established

July 13, 1863

Total Assets

$683.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 18, 2022

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$683.4B

Total Deposits

$539.8B

Net Loans

$395.1B

Net Income

$2.0B

ROA

1.17%

ROE

11.72%

Risk-Based Capital

14.96%

Regulatory minimum: 8%

Peer Comparison

Large banks

Compared to the peer-bank Large peer group (same asset tier).

Complaints / $B0.35Peer avg: 0.83▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

2,117

Branch Deposits

$523.5B

1-Year Change

-126

5-year net change: -657 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
2024153,79448.45%35.21%
2023154,14246.79%37.98%
2022234,47151.07%32.94%
2021317,49159.28%23.77%
2020326,49055.33%26.02%
2019271,66453.41%32.33%
2018263,75550.86%35.97%

2024 national avg denial rate: 23.75% · above-average shown in red

Consumer Complaints

CFPB · through Jun 2026

Last 12 Months

240

All Time

1,221

Monetary Relief

33.1%

Untimely Response

1%

Most common complaint type: Checking or savings account· 0.35 per $B assets (12m)

0.35 per $B assets — better than 100% of Large banks

Monthly Complaints (last 24 months)

MonthComplaintsWith Monetary Relief
July 202400
August 202400
September 202410
October 202422
November 202400
December 202400
January 202500
February 202500
March 202500
April 202521
May 202500
June 202500
July 202500
August 202500
September 2025103
October 2025308
November 2025142
December 2025120
January 202674
February 202600
March 2026276
April 20265916
May 20265911
June 2026225

Data through Jun 2026. Zero-height bars indicate months with no complaints on record.

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

9 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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