# FIFTH THIRD BANK NA
CINCINNATI, OH · FDIC certificate 6672 · asset band >$100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $299.18B | |
| Deposits | $240.93B | |
| Loans and leases | $179.39B | |
| Total equity | $37.67B | |
| Loans / deposits | 73.25% (p53 of band) | 72.53% |
| Liquid assets / assets | 28.52% (p44 of band) | |
| Uninsured deposits / deposits | 44.38% (p56 of band) | 42.66% |
| Brokered deposits | 0.56% | |
| Wholesale funding | 4.37% (p6 of band) | |
| FHLB advances / assets | 2.01% | |
| Tier 1 leverage | 9.99% (p75 of band) | 9.44% |
| Unrealized securities loss / equity | -8.85% (p62 of band) | -9.97% |
| AOCI / equity | -0.47% (p62 of band) | |
| ROA (annualized) | 0.97% (p16 of band) | 1.18% |
| Net interest margin | 3.76% (p78 of band) | 3.14% |
| Efficiency ratio | 66.31% (p84 of band) | |
| Noncurrent loans | 0.84% (p47 of band) | 0.85% |
| Net charge-offs (annualized) | 0.21% (p50 of band) | |
| Reserve coverage of noncurrent | 193.63% | |
| Real estate % of loans | 34% | |
| Construction % of loans | 21.16% (p91 of band) | |
| Auto loans | $15.32B (8.54% of loans; DQ 0.83%, NCO 0.02%) | |
| Loans to nondepository financials | $13.20B (35% of equity) (p28 of band) | |
| Deposits YoY | 43.5% | |
| Employees | 25131 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 | charge-offs p90 | capital falling |
| 2014-06 | 0 |  | charge-offs p90 |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 1 | uninsured deposits >50% |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | capital falling |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 0 |  | uninsured deposits >50% |
| 2018-09 | 1 | uninsured deposits >50% |  |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 4 | uninsured deposits leaving |  |
| 2023-03 | 1 |  | uninsured deposits >50%, AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 | securities losses >30% of equity | uninsured deposits leaving |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | expense ratio p90 |  |
| 2026-06 | 0 |  | expense ratio p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-29 [Fifth Third Bank NA Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE9aN0lIRXBPemxRVG9PcGNZYl9YbE04ODVQanVMTzZJVmk5YUdXUE01NUE0aVlLdmE5REpLVzhMY05HRGgwU0FLNEFNWGZlY3Y1WXlxc2xGcGZDaXpIdWlkUjFWeDRCeW5GaGFaUFRWeVRtYVlyOGc?oc=5) · reveliolabs.com
- 2026-07-17 [Jason Williams, Hired at Fifth Third Bank - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxNQ1VlbjJ1c0NaWjQtSjJCaG1DaWxQaExBbnpOQXZCV3N3OVBEeEFfSng2RFh3eVpSVnA0WkY4WjNGcGRsUTZucG5pYlBNXzJ3WjlXOTUxbm1FVzI4TkFsUW94SXFYaV9WcllYd0E5eU43NkJaRGphV1FtSjdWM2pwNWl1U0dJSVcwTkMtVFB1ai0?oc=5) · The Business Journals
- 2026-07-30 [Fifth Third Beats $2.1M Wire Fraud Suit Over UCC Pleading - Law360](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOLVJVM0NKdURRejBTWW11eXlNRndBTC1zWm4zM2V6SWlCS3JYOFRPMnBGZ20wZEVUTy1fdGdtXzFXRGU0MDA2RW5RNzVqeTMzOEx4R3lCTy0tZFFXVkZJTjJtU1dBQUtLYmRFa1J6djhrMnY1eXdCbEViNHJXVUtWS0ZuTUxVS0JhQm5PQThpOEI5OUhselZ0OWdUWVJxM0c4V1p2SjhWX2c1NnNDbkE0N1VlOGhaM2VG0gFyQVVfeXFMTlFwQVdVS2ttNkpZekZzSWQwM2swbmtCMVNXZlRsUUtkMW1kUmxzeXhvb25MUDRqcno4Q19Dd082SjQwcU5vczZ3OU9wTU91VXJvMzNCNHl3WFFGXzFFZ1pFcm5BYjgtNGJSMWJOTWM5ck1R?oc=5) · Law360
- 2026-07-27 [On the Move: Fifth Third Bank Welcomes Chriss Street - Orange County Business Journal](https://news.google.com/rss/articles/CBMijwFBVV95cUxQWW5ydUVGUmVlVU9HbGtvUG4wUXoxREJSVVF2UTZUSkNqZWpKUF9fTkRVeVJLNnFoWUJZelA2Ql8zMmJCNVR3NERxRXdqS182aW1lUGo3UmNUR21YaFdXNHNuSjhhNUpUX3p1cGtIdFd6czhTUmVqMU50LVVCSlJMTzlmeWRlczRUMDRUS1NSaw?oc=5) · Orange County Business Journal
- 2026-06-30 [Tantalus Systems Announces Debt Restructuring - TMX Newsfile](https://news.google.com/rss/articles/CBMikgFBVV95cUxPVkdRbTVGMFJHTFVRZk1WdTZELVYybXdzLWtUUjJpd3p5UFY3YzJxeF9HUktnWmZEbWk3N3BhYk04Yno5VUNCaVVTM1V5bWo2S2VocUVuMUFLM0gxVTZlTC15UWpWcEpUWUxEdVpaQVV6b2xWSlB5eG91Qmg1MGIzUE45OV9TTzdhNzA3aFc4QjF1dw?oc=5) · TMX Newsfile
- 2026-06-30 [Tantalus Systems Announces Debt Restructuring - Investing News Network](https://news.google.com/rss/articles/CBMifEFVX3lxTE8zaWFTR21kbUpmZFQ1VVJsNUhuM1lYdzRNM2NzUWVQMDZBTVJ0ZEVGRnVkZldtX25sR3ZaOERsXzFzYUlGa0FXa3FrMXc3TTMwUDNBS2NHNWloc21NNS1oLXBCdTZLRThOQnR3OFk2Rl8yek13WmgxaHVSV2Q?oc=5) · Investing News Network
- 2026-02-19 [Branch expansion, integration after $11 billion deal keep new Fifth Third market exec busy - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxPSUc4VHZYMG5YUWRkb2syaVZVRXhpbGJfVmx1THRrUVZpVDV6Y3hzUUdzNjNHWGxKUG1IYmpOVERrTVdFdW8zci03UW1TR0hSMDR5MUczUU9YSGhkc0thRU51Y0R4bThEZ1Fmd0FwdWNWYkpna0lmUE1JWGh0YzRMYnlKbWlBb3BQQWRoWTlrOWdQc0JHWFE3ZUNCWQ?oc=5) · The Business Journals
- 2024-10-09 [Kim Halbauer of Fifth Third Bank Elected 2025 Chair of the Kentucky Chamber of Commerce Foundation, Foundation Board Expands - kychamberbottomline.com](https://news.google.com/rss/articles/CBMi-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?oc=5) · kychamberbottomline.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6672 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/16.json (key "6672", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide