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Examined: Sat, 25 Apr 2026 19:43:15 GMT

U.S. Bank National Association

RSSD 504713 · OH · Total assets $676,125M
Composite CAMELS
2
2 — Satisfactory
C
Capital
2
0 findings
A
Asset Quality
2
1 finding
M
Management
2
0 findings
E
Earnings
2
0 findings
L
Liquidity
2
0 findings
S
Sensitivity
2
0 findings
0
Critical
0
High
1
Moderate
0
Low
24
Procedures run

Findings

MODERATE · Asset Quality Procedure A-01

Nonperforming loan ratio exceeds examination threshold

Citation
OCC Comptroller's Handbook, Rating Credit Risk (April 2001) - https://occ.treas.gov/publications-and-resources/publications/comptrollers-handbook/files/rating-credit-risk/index-rating-credit-risk.html; FFIEC UBPR User's Guide, Section III, Analysis of Past-Due, Nonaccrual & Restructured Loans and Leases - https://www.ffiec.gov/data/ubpr/report-user-guide
Evidence
Nonperforming loans consist of nonaccrual loans $4,952M plus loans 90 days or more past due and still accruing $3,159M, measured against total loans and leases $382,404M.
Recommended action
Provide board and management analysis of the nonperforming loan drivers, updated risk-rating support, workout and collection status for material credits, charge-off review support, and portfolio-level action plans for segments contributing to elevated nonperformance.

Key ratios computed

Tier 1 ratio
13.60%
↑ rank 11 of 16 · global
Tier 1 leverage
9.28%
↑ rank 8 of 16 · global
Total capital
15.77%
↑ rank 9 of 16 · global
NPL ratio
1.29%
ACL coverage
153.14%
CRE concentration
35.40%
Construction conc.
14.00%
ROA (annualized)
0.97%
↑ rank 11 of 16 · global
NIM
2.81%
↑ rank 8 of 16 · global
Efficiency ratio
58.88%
↓ rank 12 of 16 · global
Loans / Deposits
72.35%
Brokered / Deposits
7.30%
Uninsured / Deposits
49.10%
Liquid asset ratio
7.52%
HTM loss / Tier 1
—
Asset growth YoY
—

Trend — last 8 quarters

Total assets ($M)
$662,906M
23Q03$590,460M 23Q06$669,903M 23Q09$657,184M 23Q12$650,659M 24Q03$669,426M 24Q06$664,924M 24Q09$670,008M 24Q12$662,906M
Tier 1 leverage
9.28%
23Q038.21% 23Q068.83% 23Q099.03% 23Q129.23% 24Q039.25% 24Q069.20% 24Q099.34% 24Q129.28%
Tier 1 RBC ratio
13.60%
23Q0310.86% 23Q0612.45% 23Q0912.84% 23Q1213.15% 24Q0313.21% 24Q0613.49% 24Q0913.65% 24Q1213.60%
ROA (YTD ann.)
0.97%
23Q031.03% 23Q060.96% 23Q090.97% 23Q120.87% 24Q030.86% 24Q060.91% 24Q090.94% 24Q120.97%
NIM (YTD ann.)
2.81%
23Q032.93% 23Q063.07% 23Q093.03% 23Q123.01% 24Q032.82% 24Q062.79% 24Q092.79% 24Q122.81%
Efficiency ratio
58.9%
23Q0360.5% 23Q0659.5% 23Q0959.8% 23Q1262.6% 24Q0362.5% 24Q0660.3% 24Q0959.2% 24Q1258.9%

This report was produced in <200ms from the underlying procedures library. Production deployments cite source documents directly from your loan tape, GL, and core system.

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