Fifth Third Bank, National Association (FDIC certificate #6672) is based in Cincinnati, Ohio. Its Q2 2026 call report shows $299.2B in total assets and $240.9B in deposits and 1,501 offices across 15 states.
Fifth Third Bank, National Association has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than 53% of its 32 banks with over $100 billion. Among 157 banks headquartered in Ohio, it ranks 121st. Problem-loan coverage contributes the most (92/100, 3.8%); capital cushion contributes the least (50/100, 9.99%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (65 → 62), mostly because the earnings component weakened by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 65 |
| Q4 2024 | 65 |
| Q1 2025 | 63 |
| Q2 2025 | 65 |
| Q3 2025 | 66 |
| Q4 2025 | 67 |
| Q1 2026 | 63 |
| Q2 2026 | 62 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.76% |
| Q3 2024 | 9.82% |
| Q4 2024 | 10.02% |
| Q1 2025 | 10.10% |
| Q2 2025 | 10.25% |
| Q3 2025 | 10.31% |
| Q4 2025 | 10.41% |
| Q1 2026 | 11.16% |
| Q2 2026 | 9.99% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.66% |
| Q3 2024 | 0.74% |
| Q4 2024 | 0.85% |
| Q1 2025 | 0.97% |
| Q2 2025 | 0.87% |
| Q3 2025 | 0.78% |
| Q4 2025 | 0.86% |
| Q1 2026 | 0.78% |
| Q2 2026 | 0.84% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.23% |
| Q3 2024 | 1.23% |
| Q4 2024 | 1.25% |
| Q1 2025 | 1.13% |
| Q2 2025 | 1.24% |
| Q3 2025 | 1.28% |
| Q4 2025 | 1.34% |
| Q1 2026 | 0.62% |
| Q2 2026 | 0.97% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $299.2B | 9.99% | 0.84% | 0.97% | 73.2% |
| Q1 2026 | 63 | $296.1B | 11.16% | 0.78% | 0.62% | 72.7% |
| Q4 2025 | 67 | $213.7B | 10.41% | 0.86% | 1.34% | 69.1% |
| Q3 2025 | 66 | $212.2B | 10.31% | 0.78% | 1.28% | 71.6% |
| Q2 2025 | 65 | $209.3B | 10.25% | 0.87% | 1.24% | 71.8% |
| Q1 2025 | 63 | $211.9B | 10.10% | 0.97% | 1.13% | 71.2% |
| Q4 2024 | 65 | $212.2B | 10.02% | 0.85% | 1.25% | 68.8% |
| Q3 2024 | 65 | $213.6B | 9.82% | 0.74% | 1.23% | 66.4% |
| Q2 2024 | 66 | $212.5B | 9.76% | 0.66% | 1.23% | 66.7% |
32 peers · Over $100 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Huntington National BankBank Columbus, OH | 59 out of 100, Moderate | $283.1B | 9.3% | 1.06% | vs |
| KeyBank National AssociationBank Cleveland, OH | 63 out of 100, Moderate | $188.6B | 9.9% | 0.86% | vs |
| U.S. Bank National AssociationBank Cincinnati, OH | 55 out of 100, Moderate | $705.6B | 9.5% | 1.45% | vs |
| JPMorgan Chase Bank, National AssociationBank Columbus, OH | 61 out of 100, Moderate | $4.1T | 7.5% | 0.78% | vs |
Deposit insurance
Is my money safe at Fifth Third Bank, National Association?
Yes. Fifth Third Bank, National Association is an FDIC-insured institution (FDIC certificate #6672). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 44.4% of deposits ($106.9B) are above the $250,000 FDIC insurance limit, close to the peer median of 43%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.99%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.95% (benchmark: 10%).
1,501 locations
Branches
Fifth Third Bank, National Association lists 1,111 offices in 400 cities across 15 states. Most locations:
- Cincinnati, OH (40)
- Chicago, IL (37)
- Houston, TX (27)
- Charlotte, NC (25)
- Louisville, KY (23)
- Dallas, TX (21)
- Detroit, MI (21)
- Grand Rapids, MI (20)
- Indianapolis, IN (18)
- Naples, FL (16)
- Columbus, OH (15)
- Nashville, TN (15)
CFPB complaint database
Consumer complaints
Over the last three years, the CFPB forwarded 5,497 consumer complaints about FIFTH THIRD FINANCIAL CORPORATION to the company (2,539 in the last 12 months). 100.0% received a timely response. That is 22.8 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.
Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.
HMDA 2025
Mortgage lending
In 2025, Fifth Third Bank, National Association reported 71,312 home-loan applications under HMDA (LEI QFROUN1UWUYU0DVIWD51): 39,534 originated ($7,992,820,000 total), 21,201 denied, and 9,025 withdrawn or closed by the applicant. Its denial rate on decided applications was 34.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| Fifth Third 1.67% Cash/Back & 2% Preferred Cash/Back | 18.99% – 28.99% | $0 | $30 | 0.0% |
| Fifth Third 1% Cash/Back | 20.49% – 29.49% | $0 | $30 | 0.0% |
| Fifth Third Employee Credit Card | 8.99% | $0 | $30 | 3.0% |
| Fifth Third Private Bank Credit Card | 12.99% | $0 | $30 | 0.0% |
| Fifth Third Secured Credit Card | 27.74% | $24 | $30 | 3.0% |
Identity & history
Profile
- Legal name
- Fifth Third Bank, National Association
- Former names
- The Fifth Third Bank of Western Ohio, National Association; Fifth Third Bank of Western Ohio; Fifth Third Bank; Citizens Heritage Bank, National Association; The Miami Citizens National Bank & Trust Company
- Type
- National bank
- FDIC certificate #
- 6672
- RSSD ID
- 723112
- Primary regulator
- OCC
- Holding company
- Fifth Third Bcorp
- Established
- January 1, 1865
- Headquarters
- 38 Fountain Square Plz, Cincinnati, OH 45202
- Website
- www.53.com
- Employees
- 25,131
Quick answers
Fifth Third Bank, National Association: common questions
Is Fifth Third Bank, National Association FDIC insured?
Yes. Fifth Third Bank, National Association is an FDIC-insured institution (FDIC certificate #6672). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Fifth Third Bank, National Association's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Fifth Third Bank, National Association ever failed?
There is no failure record for FDIC certificate #6672 in the FDIC failed bank list.
How many branches does Fifth Third Bank, National Association have?
1,501 offices as of the latest FDIC data, in 15 states.
Nearby
Highest-scoring banks and credit unions with branches near Cincinnati
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| Cincinnati Interagency Federal Credit UnionCredit union Cincinnati, OH | 92 out of 100, Very strong | $30.8M | 18.2% | 0.82% | vs |
| Children'S Medical Center Federal Credit UnionCredit union Cincinnati, OH | 91 out of 100, Very strong | $46.8M | 20.3% | 0.52% | vs |
| Northern Kentucky Federal Credit UnionCredit union Highland Height, KY | 91 out of 100, Very strong | $43.1M | 14.0% | 0.29% | vs |
| Deca Credit UnionCredit union Cincinnati, OH | 90 out of 100, Very strong | $7.6M | 18.9% | 0.45% | vs |
| St. James Parish Credit UnionCredit union Cincinnati, OH | 90 out of 100, Very strong | $5.9M | 21.8% | 0.00% | vs |