FIFTH THIRD BANK, NATIONAL ASSOCIATION

CINCINNATI, OH · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1865FDIC #6,672

Part ofFifth Third Bancorp→ View all charters

Outstanding

Current rating · Exam: July 2022

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.62%

Institution Profile

FDIC BankFind

Website

www.53.com

Address

38 Fountain Square Plz, CINCINNATI, OH

County

Hamilton County

Established

January 1, 1865

Total Assets

$296.1B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 18, 2022

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$296.1B

Total Deposits

$240.4B

Net Loans

$174.7B

Net Income

$395M

ROA

0.62%

ROE

5.09%

Risk-Based Capital

13.00%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

1,097

Branch Deposits

$167.8B

1-Year Change

+19

5-year net change: -39 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	56,152	54.31%	27.28%
2023	50,069	56.02%	25.60%
2022	83,576	60.34%	22.00%
2021	110,674	58.69%	17.59%
2020	104,696	53.45%	17.69%
2019	94,128	58.19%	22.21%
2018	45,831	51.51%	32.10%

2024 national avg denial rate: 23.75% · above-average shown in red

This is the only examination on record for this bank.

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