Our strengths
Leaning into strengths and building new foundational capabilities
Strong capital position
We are preparing for our eventual transition to a Category II banking organization. Part of our planning is building on our strong risk management capabilities, balance sheet management program and “through-the-cycle” earnings power. Our capital base is strong and growing thanks to enhanced earnings generation, and our CET1 capital ratio is 10.8% – up from 8.4% when the 2022 acquisition of Union Bank closed. In addition, we have a strong liquidity coverage ratio and more than $300 billion of total available liquidity at the end of 2025.
Best-in-class underwriting
We have routinely been recognized for our robust underwriting processes, which balance thorough risk assessment with efficient decision-making. We use advanced analytics and experienced underwriters to support sound credit judgments. By consistently upholding stringent standards, we maintain strong portfolio quality and demonstrate reliability.
Establishing enterprise-wide areas of expertise
As we prepare for the future, we are continually looking across the enterprise to determine what new skills and capabilities are needed to meet changing expectations and client demands. In 2025, we created new internal organizations to provide centers of expertise in areas like data strategy (which is linked to our artificial intelligence and digital teams) and digital assets.
#1
Mobile App in Banking
Keynova Group, 2025
#2
In overall customer satisfaction among national banks
J.D. Power, 2025
Best New Product: U.S. Bank Business Essentials
Tearsheet, 2025
Best Bank for SMBs:
U.S. Bank
Tearsheet, 2025
Best-in-class Mobile Banking and Online Banking
Javelin Strategy & Research, 2025
Disclosures
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From Fortune, ©2025 Fortune Media IP Limited. All rights reserved. Used under license. Fortune® is a registered trademark and Fortune World’s Most Admired Companies™ is a trademark of Fortune Media IP Limited and are used under license. Fortune and Fortune Media IP Limited are not affiliated with, and do not endorse the products or services of, U.S. Bancorp.
U.S. Bank received the second highest numerical score in the J.D. Power 2025 U.S. National Banking Satisfaction Study, which measures customers’ satisfaction from nationwide banks in the United States. Visit jdpower.com/awards for more details.