U S Bank National Assn (FDIC #6548): Bank Stress & Real-Estate Credit Exposure
U S Bank National Assn (FDIC Cert #6548): bank stress 67/100, elevated, STABLE over 7 days; parent U S BCORP.
U S Bank National Assn (#6548) lends in 488 counties across 29 states; U S Bank National Assn (#6548) reaches 9,153 ZIP codes: California 49 counties, 1,708 ZIPs; Ohio 42 counties, 752 ZIPs; Missouri 41 counties, 604 ZIPs; Minnesota 29 counties, 533 ZIPs; Wisconsin 29 counties, 467 ZIPs; Oregon 29 counties, 392 ZIPs.
U S Bank National Assn (#6548) largest markets: Los Angeles County, CA (39,824 branches, 304 ZIPs) (#6548), Cook County, IL (12,994 branches, 178 ZIPs) (#6548), Harris County, TX (143 branches, 143 ZIPs) (#6548), Maricopa County, AZ (6,160 branches, 140 ZIPs) (#6548), San Diego County, CA (7,888 branches, 116 ZIPs) (#6548), San Bernardino County, CA (3,400 branches, 100 ZIPs) (#6548).
U S Bank National Assn (#6548) reports $705.55 billion in total assets; U S Bank National Assn (#6548) equity $68.83 billion (9.8% of U S Bank National Assn (#6548) assets); U S Bank National Assn (#6548) domestic deposits $532.85 billion; U S Bank National Assn (#6548) net income $4.23 billion; U S Bank National Assn (#6548) return on assets 1.23%; U S Bank National Assn (#6548) return on equity 12.38%; U S Bank National Assn (#6548) net interest income $8.76 billion; U S Bank National Assn (#6548) call report June 30, 2026.
U S Bank National Assn (#6548) noncurrent real-estate loans 0.01% of its book; U S Bank National Assn (#6548) multifamily 0.06%; U S Bank National Assn (#6548) residential 0.08%; U S Bank National Assn (#6548) net charge-offs on real estate 2.74%; U S Bank National Assn (#6548) commercial charge-offs 0.24%; U S Bank National Assn (#6548) multifamily charge-offs 0.63%; U S Bank National Assn (#6548) residential charge-offs 1.65%.
U S Bank National Assn (#6548) net interest margin 2.87% against an eight-quarter U S Bank National Assn (#6548) average of 2.84% (U S Bank National Assn (#6548) compression -0.03 points); U S Bank National Assn (#6548) real-estate loans 0.6% of equity; U S Bank National Assn (#6548) commercial real estate 24.0% of equity; U S Bank National Assn (#6548) non-residential real estate 165.2% of equity; U S Bank National Assn (#6548) rate-exposure score 52/100, U S Bank National Assn (#6548) fixed-rate trap 52/100; U S Bank National Assn (#6548) risk type credit driven; U S Bank National Assn (#6548) rate regime rates elevated, U S Bank National Assn (#6548) snapshot October 19, 2026.
U S Bank National Assn (#6548) stress score moved from 65.8 on June 22, 2026 to 66.8 on October 19, 2026; U S Bank National Assn (#6548) ranged 65.8 to 66.8 over 116 snapshots.
U S Bank National Assn (#6548) alerts: 35 counties; top U S Bank National Assn (#6548) alert scores: Sandusky County, OH 50 (moderate); Van Wert County, OH 46 (moderate); Logan County, OH 46 (moderate); Portage County, OH 44 (moderate); Highland County, OH 44 (moderate).