BankRankedU.S. Bank National Association
ROA: StrongCincinnati, OH | Charter: N | Holding Company: U S BCORP
Established: 1863-07-13
Total Assets
$676.13B
Total Deposits
$533.48B
Net Income
$7.89B
Branches
2,110
FDIC data last updated: April 2, 2026
Overview
U.S. Bank is one of the largest banks in the United States, headquartered in Cincinnati, OH. With $676.13B in total assets, U.S. Bank holds a notable position in the U.S. banking landscape (Source: FDIC BankFind). The institution operates under a N charter. It is part of the U S BCORP holding company.
U.S. Bank holds approximately $533.48B in total deposits (Source: FDIC BankFind). The bank operates 2,110 branches, providing broad access for customers who prefer in-person banking. Established 1863-07-13, the institution has a track record in the banking industry.
This profile uses publicly available government data to present a factual overview. It does not constitute an endorsement or recommendation of this institution. Consumers may wish to consider factors such as account fees, digital banking features, and customer service when evaluating any bank.
Financial Health Analysis
Return on Assets (ROA)
1.18%
National avg: 1.21%
Return on Equity (ROE)
12.02%
National avg: 11.47%
FDIC Insured
Yes
Up to $250,000 per depositor
U.S. Bank reports a Return on Assets (ROA) of 1.18%, which is below the national average of 1.21%, which may indicate lower profitability relative to assets (Source: FDIC BankFind). In practical terms, an ROA of 1.18% means that for every $100 in assets, the bank generates approximately $1.18 in profit.
The bank's Return on Equity (ROE) is 12.02%, which is near or above the national average of 11.47%, suggesting adequate returns for shareholders (Source: FDIC BankFind). ROE measures how effectively a bank uses shareholder equity to generate profit.
U.S. Bank reported positive net income of $7.89B in the most recent reporting period (Source: FDIC BankFind). Net income reflects overall profitability after all expenses, taxes, and provisions.
Past financial performance does not guarantee future stability or profitability. These metrics reflect a single reporting period and may vary from quarter to quarter. Consult a licensed financial professional before making banking decisions based on financial data.
U.S. Bank vs. national average
National averages calculated from all active FDIC-insured banks.
Customer Experience
Total Complaints
46,492
Timely Response Rate
99.8%
Complaint Breakdown by Category
Source: CFPB Consumer Complaint Database
U.S. Bank received approximately 87.1 complaints per $1B in deposits, which is near the estimated national average of approximately 93.2 per $1B (Source: CFPB Consumer Complaint Database, FDIC BankFind). Complaint volume alone does not indicate service quality. Larger banks naturally receive more complaints due to higher customer counts.
99.8% of complaints received a timely response, which is at or above the industry average of approximately 99% (Source: CFPB Consumer Complaint Database). A higher timely response rate generally suggests the institution addresses consumer concerns within expected timeframes.
The most common complaint categories for U.S. Bank are: Managing an account, Incorrect information on your report, Loan modification,collection,foreclosure (Source: CFPB Consumer Complaint Database). These categories are common across most large financial institutions and may reflect the breadth of products offered rather than specific service failures.
The CFPB recommends comparing fees, interest rates, and access across multiple institutions before opening an account. Complaint data provides one perspective on consumer experience but does not capture the full picture of a bank's service quality.
Branch and Access
U.S. Bank operates 2,110 branches, providing a nationwide presence that may appeal to customers who prefer in-person banking (Source: FDIC BankFind). A large branch network generally offers convenience for deposits, withdrawals, and face-to-face consultations, though digital banking tools may reduce the need for branch visits.
The bank is headquartered in Cincinnati, OH. Consumers considering this institution may want to verify branch locations near their home or workplace, as headquarter location does not always indicate where branches are concentrated.
Branch access is one factor in choosing a bank. Consumers who primarily use mobile and online banking may prioritize digital features and rates over physical branch proximity.
View banks in OHHow U.S. Bank compares to similar-sized banks
| Bank | Assets |
|---|---|
| U.S. Bank | $676.13B |
| Capital One | $658.46B |
| Goldman Sachs | $645.00B |
| PNC Bank | $568.34B |
| Truist Bank | $539.52B |
Compare U.S. Bank
Data Sources
FDIC BankFind: Financial data including total assets, deposits, net income, ROA, and ROE for all FDIC-insured institutions. https://banks.data.fdic.gov/
CFPB Consumer Complaint Database: Consumer complaint data by institution, including complaint volumes, response rates, and top issue categories. https://www.consumerfinance.gov/data-research/consumer-complaints/
Federal Reserve Economic Data (FRED): Interest rate benchmarks including the Federal Funds Rate, Treasury yields, and national savings rate averages. https://fred.stlouisfed.org/
BankRanked is not a bank, credit union, or financial advisor. This content is for educational purposes only and does not constitute financial advice. All data is sourced from publicly available government databases (FDIC, NCUA, CFPB, FRED). Consult a licensed financial professional before making banking decisions.