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.

From Q2 2025 to Q2 2026, the score fell 2 points (57 → 55), mostly because the funding & liquidity component weakened by 7 points.

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

Yes. U.S. Bank National Association is an FDIC-insured institution (FDIC certificate #6548). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 52.2% of deposits ($282.9B) are above the $250,000 FDIC insurance limit, above the peer median of 43%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.49%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.94% (benchmark: 10%).

Check how much of your own balance is covered

U.S. Bank National Association lists 1,236 offices in 400 cities across 26 states. Most locations:

• San Diego, CA (30)
• Chicago, IL (25)
• Los Angeles, CA (25)
• Cincinnati, OH (23)
• Las Vegas, NV (22)
• Saint Louis, MO (21)
• Portland, OR (19)
• Seattle, WA (16)
• Denver, CO (15)
• Louisville, KY (15)
• Omaha, NE (14)
• Columbus, OH (12)

All branch addresses and map

Over the last three years, the CFPB forwarded 16,492 consumer complaints about U.S. BANCORP to the company (6,810 in the last 12 months). 100.0% received a timely response. That is 30.4 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.

Complaint breakdown by product and issue

In 2025, U.S. Bank National Association reported 145,370 home-loan applications under HMDA (LEI 6BYL5QZYBDK8S7L73M02): 74,635 originated ($33,007,735,000 total), 50,190 denied, and 18,437 withdrawn or closed by the applicant. Its denial rate on decided applications was 39.5%, 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.

Legal name

U.S. Bank National Association

Former names

Star Bank, National Association; Firstar Bank, National Association; The First National Bank of Cincinnati; Star Bank, National Association, Cincinnati

Type

National bank

FDIC certificate #

6548

RSSD ID

504713

Primary regulator

OCC

Holding company

U S Bcorp

Established

July 13, 1863

Headquarters

425 Walnut St, Cincinnati, OH 45202

Website

www.usbank.com

Employees

65,445