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Us Bank National Association

IDRSSD: 504713
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
79
/ 100
StableAs of 2026-Q1QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #504713 2026-Q1 Vital Signs Score: 79/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Stable
Reserves:Stable

Top 3 Watch Items

  1. risk
    CET1 below 7%
    Capitalization — CET1 0.00% (threshold 7%).
  2. info
    90+ days past due elevated
    Asset Quality — 90+ PD 1.31%.

What changed this quarter

Compared to Q4 2025:
↓ -2 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -8

The five pillars

Liquidity

StrongQoQ 0
92
Sub-score

Liquidity is strong: brokered 6.6%, loans/deposits 74.0%.

Cash / Assets
—
Loans / Deposits
74.00%
Brokered %
6.56%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 14.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
14.63%
No watch items at this period.

Capitalization

StableQoQ -1
64
Sub-score

Capital position is stable: Tier 1 RBC 12.97%, CET1 0.00%, leverage 9.23%.

Tier 1 RBC
12.97%
CET1
0.00%
Leverage
9.23%

Watch Items

  • riskCET1 below 7% — CET1 0.00% (threshold 7%).

Asset Quality

StableQoQ -2
75
Sub-score

Asset quality is stable: Adjusted NPL 1.69%, Texas Ratio 9.5%, NCO YTD 0.55%.

Adjusted NPL
1.69%
Govt-guarantees stripped
Texas Ratio
9.5%
NCO YTD
0.55%
30-89 PD
0.39%
Band 0.3% / 3.0%
90+ PD
1.31%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.31%.

Reserves

StableQoQ -8
73
Sub-score

Reserves are stable: ALLL 1.90% of loans, coverage 114.8%, true coverage 83.0%.

ALLL / Loans
1.90%
Coverage
114.8%
True Loss Coverage
83.0%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 13:33:32 UTC