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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Ohio, the state note

Fifth Third Bank N.A.

Cincinnati, Ohio · $299.18B in assets · beside the 7 other Ohio banks over $10B

The filing

68.0%
Efficiency
8th of 8
+45.8%
Loans, year over year
1st of 8, largest first
12.6%
Equity / assets
2nd of 8

Fifth Third Bank N.A. is the third largest of the 8 Ohio banks over $10B, with $299.18B in assets at 30 June 2026. Loans are 74.5% of deposits, 3rd of 8 against a median of 76.8%, and equity is 12.6% of assets, 2nd of 8. Loans grew +45.8% in the year, the fastest in the cohort, and deposits grew 43.5%; the cohort's median loan growth is +13.0%.

Noncurrent loans are 0.84% of the book, 4th of 8 against a median of 0.85%; 0.35% is 30 to 89 days past due, and the allowance covers them 1.9 times. Net charge-offs are 0.31% of loans, 5th of 8. Commercial real estate is 12.0% of loans, 4th of 8 against a median of 12.3%, and 68% of capital, below the 300% screen, with construction at 25% against the 100% screen. CRE has grown +107.3% over 36 months, past the guidance's 50% prong.

Return on assets is 0.87%, 7th of 8 against a median of 1.25%, on an efficiency ratio of 68.0%, the highest in the cohort. Five years ago it was 1.43%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

The efficiency ratioOH banks over $10B · 30 June 2026 · lower is stronger, listed first
median 56.8% JC JPMorgan Chase Bank N.A. 54.5% PN Park National Bank 54.7% KN KeyBank National Association 54.9% US U S Bank National Association 56.1% FF First Financial Bank 57.5% TF Third Federal Savings & Loan Association of Cleveland 60.7% HN Huntington National Bank 61.7% FT Fifth Third Bank N.A. 68.0%
Loans, year over yearOH banks over $10B · 30 June 2026 · no better direction, largest first
median +13.0% FT Fifth Third Bank N.A. +45.8% HN Huntington National Bank +40.9% PN Park National Bank +22.2% FF First Financial Bank +16.6% JC JPMorgan Chase Bank N.A. +9.4% US U S Bank National Association +8.1% KN KeyBank National Association +4.3% TF Third Federal Savings & Loan Association of Cleveland +3.6%

SBA 7(a), FY2008 to FY2026

Fifth Third Bank N.A. is the 2nd largest 7(a) lender into Michigan of 364, with $895M across 2,010 loans, 7.1% of everything approved in the state (The Huntington National Bank leads with $3.53B). 276 of its 572 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Michigan, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Harris, TX$197M10th of 3142.4%+1.1 pts
Oakland, MI$188M2nd of 1857.8%-1.5 pts
Wayne, MI$166M2nd of 1649.2%+4.5 pts
Dallas, TX$139M10th of 3142.5%-0.7 pts
Macomb, MI$126M2nd of 12610.7%+5.4 pts
Cook, IL$124M9th of 2821.9%-0.7 pts
Los Angeles, CA$84M49th of 3080.4%+0.1 pts
Kent, MI$72M2nd of 1246.9%+2.5 pts
Hamilton, OH$64M5th of 1224.5%+0.5 pts
Maricopa, AZ$60M34th of 3030.8%+0.7 pts
Orange, FL$59M7th of 2012.9%+2.0 pts
Collin, TX$56M8th of 2612.1%-1.7 pts
Franklin, OH$54M9th of 1662.5%-0.2 pts
559 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing827$615M16.3%1.55%9th of 2,246
Health care & social assistance957$510M13.5%1.08%16th of 2,172
Professional & technical services1,043$411M10.9%1.27%13th of 1,955
Retail trade954$369M9.8%0.61%33rd of 2,589
Accommodation & food services846$352M9.3%0.46%50th of 2,596
7(a) lenders into Michigan, share of approvals since FY2008364 lenders on record; the ten largest and Fifth Third Bank N.A.
TH The Huntington National Bank 28.0% $3.53B · 19,577 loans FT Fifth Third Bank 7.1% $895M · 2,010 loans LO Live Oak Banking Company 4.7% $589M · 456 loans CB Choiceone Bank 3.3% $418M · 795 loans JC JPMorgan Chase Bank, National Ass… 2.7% $338M · 2,073 loans ON Old National Bank 2.6% $330M · 438 loans BB Byline Bank 1.8% $226M · 212 loans FI First Internet Bank of Indiana 1.7% $216M · 160 loans FM First Merchants Bank 1.7% $212M · 421 loans Bo Bank of Ann Arbor 1.6% $201M · 386 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Fifth Third Bank N.A.RankCohort median
Total CRE against capital, the 300% screen68%5th of 867%
Construction against capital, the 100% screen25%6th of 816%
Construction and land development, share of loans4.4%6th of 82.7%
Non-owner-occupied nonfarm nonresidential, share of loans5.3%5th of 85.2%
Total CRE, the guidance definition, share of loans12.0%4th of 812.3%
CRE growth over 36 months, the third prong+107.3%8th of 8+8.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
JPMorgan Chase Bank N.A.$4091.32B1.5%54.5%0.78%0.60%1.7%55.4%8.3%
U S Bank National Association$705.55B1.2%56.1%1.45%0.52%1.8%76.3%9.8%
Fifth Third Bank N.A.$299.18B0.9%68.0%0.84%0.31%1.6%74.5%12.6%
Huntington National Bank$283.07B1.0%61.7%1.06%0.24%1.7%84.2%11.8%
KeyBank National Association$188.56B1.3%54.9%0.86%0.39%1.3%70.6%9.9%
First Financial Bank$22.35B1.5%57.5%0.70%0.27%1.4%77.3%13.4%
Third Federal Savings & Loan Association of Cleveland$18.06B0.6%60.7%0.25%-0.02%0.5%159.7%9.9%
Park National Bank$12.61B1.8%54.7%0.86%0.11%1.1%90.3%12.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Fifth Third Bank N.A.Cohort median
20212026Change20212026Change
Loans$113.46B$179.39B+58%$108.07B$145.60B+35%
Deposits$168.95B$240.93B+43%$148.24B$192.80B+30%
NPA / loans0.93%0.84%-0.09 pts0.97%0.85%-0.12 pts
Efficiency60.0%68.0%+8.0 pts59.8%56.8%-3.0 pts
ROA1.43%0.87%-0.55 pts1.39%1.25%-0.14 pts

This read was prepared for Fifth Third Bank N.A.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Fifth Third Bank N.A. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OH banks over $10B
Institution www.53.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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