B
U.S. Bank National Association
Minneapolis, MN
Data as of
June 30, 2021
Risk Based
Capital Ratio
13.67
Leverage
Ratio
8.51
Return On
Assets
1.60%
Total
Assets
547.85B
Capital
51.91B
Total
Deposits
422.77B
Net
Income
4.31B
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Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.6 has resulted in Excellent (7.1) profitability.
Other Rating Factors: Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 13.7 and a capital leverage ratio of 8.5. Good liquidity 5.4, driven by a liquidity ratio of 35.4 percent and a “hot money” ratio of 1.8 percent.
Asset Mix: Securities (29%), home mtgs (15%), comm loans (14%), consumer loans (11%), cash (8%), comm re (4%), home eq lns (2%), other (17%)
States with Branches: AR, AZ, CA, CO, IA, ID, IL, IN, KS, KY, MN, MO, MT, NC, ND, NE, NM, NV, OH, OR, SD, TN, UT, WA, WI, WY
Asset Quality
Non-Performing Loans to Capital
5.08%
Non-Performing Assets to Assets
0.65%
Non-Performing Loans to Loans
1.19%
Loan Loss Reserves to Loans
1.99%
Charge-Offs to Average Loans
0.27%
5-Year Charge-Offs to Average Loans
0.50%
5-Year Asset Growth
6.10%
1-Year Asset Growth
2.16%
Profitability
Operating Profit to Average Assets
2.02%
Return on Equity
16.82%
Net Interest Spread
2.57%
5-Year ROAA (Return on Average Assets)
1.35%
Overhead Efficiency Ratio
59.52%
Liquidity
Liquidity Ratio
35.44%
Hot Money
1.80%
Corporate Info
Group Affiliation
U.S. Bancorp
Investment Rating
Address
800 Nicollet Mall
Minneapolis, MN 55402
Phone Number
(651) 466-3000
Year Founded
1863
FDIC Number
Largest Affiliates
Weiss Ratings