Fifth Third Bank, National Association
Cincinnati, Ohio, Hamilton County
$299B in total assets, the 14th largest of 4,309 US banks and 3rd of 160 headquartered in Ohio.
- FDIC certificate
- 6672
- Established
- 1865
- Owned by
- Fifth Third Bcorp
- Primary regulator
- OCC
- Website
- www.53.com
At a glance
Compared with 31 US banks with over $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $299B | 58% | $251B | |
| Loans | $179B | 64% | $144B | |
| Deposits | $241B | 58% | $212B | |
| Return on assets | 1.16% | 45% | 1.22% | |
| Net interest margin | 3.76% | 77% | 3.14% | |
| Efficiency ratio | 66.3% | 84% | 54.8% | |
| Equity to assets | 12.59% | 81% | 9.69% | |
| Loans to deposits | 74% | 52% | 73% |
Growth
Total assets grew 8.0% a year over the last 5 years and 7.8% a year over 10 years, including 3 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2026 | Comerica Bank & Trust, National Association Ann Arbor, MI | $125M |
| Feb 2026 | Comerica Bank Dallas, TX | $80.1B |
| May 2019 | MB Financial Bank, National Association Chicago, IL, an affiliate under the same holding company | $19.6B |
| Sep 2009 | Fifth Third Bank Grand Rapids, MI, an affiliate under the same holding company | $50.9B |
| Sep 2009 | Fifth Third Bank, National Association Nashville, TN, an affiliate under the same holding company | $6.9B |
| Mar 2001 | Capital Bank National Association Sylvania, OH | $1.1B |
| Dec 2000 | The Fifth Third Bank Cincinnati, OH, an affiliate under the same holding company | $13.1B |
| Dec 2000 | Fifth Third Bank, Northwestern Ohio, National Association Toledo, OH, an affiliate under the same holding company | $5.6B |
| Dec 2000 | The Fifth Third Bank of Columbus Columbus, OH, an affiliate under the same holding company | $3.1B |
| Dec 2000 | Fifth Third Bank, Ohio Valley Hillsboro, OH, an affiliate under the same holding company | $832M |
| May 1999 | Enterprise Federal Savings Bank West Chester, OH | $537M |
| Aug 1998 | Citizens Federal Bank, F.S.B., a Federal Savings Bank Dayton, OH, an affiliate under the same holding company | $3.1B |
| Jun 1998 | Century Savings Bank Upper Arlington, OH | $234M |
| Jul 1997 | Suburban FSB Cincinnati, OH | $221M |
| Jan 1995 | Mutual Federal Savings Bank of Miamisburg Miamisburg, OH | $80M |
| Dec 1993 | First Financial Savings Association, FA Cincinnati, OH | $363M |
| Sep 1992 | First Lima National Bank of Lima, Ohio Lima, OH | $152M |
| Mar 1992 | Midfed Savings Bank Middletown, OH | $240M |
| Nov 1991 | The Fifth Third Bank of Western Ohio, National Association Wapakoneta, OH, an affiliate under the same holding company | $150M |
| Nov 1989 | The Citizens State Bank of Greenville, Ohio Greenville, OH | $33M |
| Jan 1987 | Heritage National Bank and Trust Company Piqua, OH | $114M |
| Oct 1985 | Fifth Third Bank of Miami Valley Fairborn, OH, an affiliate under the same holding company | $58M |
| Jan 1985 | The First-Mason Bank Mason, OH, an affiliate under the same holding company | $49M |
Where they operate
1513 branches in 262 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Hamilton County, OH | $40.3B | 26.2% | 2 of 32 |
| Wayne County, MI | $23.5B | 30.8% | 2 of 15 |
| Cook County, IL | $18.2B | 3.9% | 6 of 90 |
| Oakland County, MI | $9.7B | 12.5% | 4 of 29 |
| Los Angeles County, CA | $7.4B | 1.5% | 13 of 91 |
| Santa Clara County, CA | $5.4B | 3.1% | 8 of 42 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 218 branches since 2016 (1,295 to 1,513, +16.8%). 223 opened, 440 acquired, 445 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 1,295 | |||
| 2016 | Sold 17 branches to Great Southern BankSold 13 branches to First National Bank of Pennsylvania, opened Bradenton and Summit, closed 56 in 7 states | 2 | 86 | −84 | 1,211 |
| 2017 | Opened 3 in 3 statesClosed 42 in 7 states | 3 | 42 | −39 | 1,172 |
| 2018 | Opened 9 in 4 statesClosed 45 in 8 states | 9 | 45 | −36 | 1,136 |
| 2019 | Acquired MB Financial Bank, National AssociationOpened 11 in 5 states, closed 68 in 8 states | 100 | 68 | +32 | 1,168 |
| 2020 | Opened 18 in 6 statesClosed 36 in 8 states | 18 | 36 | −18 | 1,150 |
| 2021 | Opened 27 in 5 statesClosed 45 in 9 states | 27 | 45 | −18 | 1,132 |
| 2022 | Opened 13 in 4 statesClosed 46 in 7 states | 13 | 46 | −33 | 1,099 |
| 2023 | Opened 32 in 5 statesClosed 31 in 7 states | 32 | 31 | +1 | 1,100 |
| 2024 | Opened 26 in 7 statesClosed 26 in 8 states | 26 | 26 | 0 | 1,100 |
| 2025 | Opened 55 in 9 statesClosed 15 in 6 states | 55 | 15 | +40 | 1,140 |
| 2026 through Q2 | Acquired Comerica Bank & Trust, National Association and Comerica BankOpened 27 in 10 states, closed 5 in 4 states | 378 | 5 | +373 | 1,513 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Business (C&I) | 39% | 17% | |
| Consumer | 15% | 20% | |
| 1-4 family residential | 15% | 19% | |
| Commercial real estate | 12% | 7% | |
| Construction and land | 4% | 2% | |
| Multifamily | 2% | 3% | |
| Other | 12% | 32% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 67% | 72% | |
| Noninterest-bearing | 27% | 15% | |
| Time deposits | 6% | 13% |
Brokered deposits are 0.7% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.81% | 0.86% |
| Net charge-offs, annualized | 0.35% | 0.37% |
| Reserves to loans | 1.63% | 1.39% |
| Leverage ratio | 9.99% | 9.39% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Ohio
Largest competitors in Hamilton County, OH
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/fifth-third