Bank Universe54MED
NeutralView source filing ↗+5
Data source: CET1 ratio sourced from FDIC Call Reports (bank-subsidiary level). Published figures from investor relations may differ by 1–2pp as those reflect the bank holding company level. For precise regulatory CET1 figures, refer to each bank's quarterly earnings release.
Fifth Third Bancorp
FITBUS · USRegulated by Federal ReserveLatest: 2026-Q1
CET1 Ratio
11.73%-1.36pp QoQ
Common Equity Tier 1 / RWA
Risk-Weighted Assets
$242.8B
+46.02% QoQ growth
Total Loan Book
$174.7B
+45.2% YoY growth
Leverage Ratio
11.16%
Tier 1 / Average assets
CET1 Ratio Trend
8 quarters · regulatory minimum 8% · scoring threshold 12%
RWA Growth
Bars = total ($B) · Line = QoQ growth %
Loan Book Composition
Latest quarter · 2026-Q1
Comm. Real Estate14.5%
Consumer15.6%
SME / C&I39.1%
Other30.8%
Metric History
49 quarters · FDIC Call Reports
| Quarter | CET1 % | Leverage % | RWA | Loan Book | Loans YoY | RWA QoQ | CRE % | Consumer % | SME % | SRT Score |
|---|---|---|---|---|---|---|---|---|---|---|
| 2026-Q1latest | 11.73% | 11.16% | $242.8B | $174.7B | +45.2% | +46.02% | 14.5% | 15.6% | 39.1% | 42 |
| 2025-Q4 | 13.09% | 10.41% | $166.3B | $121.1B | +2.6% | +0.27% | 11.0% | 22.0% | 34.5% | 22 |
| 2025-Q3 | 12.95% | 10.31% | $165.8B | $121.4B | +5.6% | +0.29% | 10.6% | 21.8% | 35.2% | 27 |
| 2025-Q2 | 12.87% | 10.25% | $165.3B | $120.6B | +5.1% | +0.70% | 11.3% | 21.7% | 36.4% | 28 |
| 2025-Q1 | 12.78% | 10.10% | $164.2B | $120.3B | +5.0% | +0.79% | 12.0% | 21.0% | 37.3% | 43 |
| 2024-Q4 | 12.86% | 10.02% | $162.9B | $118.1B | +2.4% | +2.10% | 11.9% | 21.0% | 37.0% | 31 |
| 2024-Q3 | 12.99% | 9.82% | $159.5B | $115.0B | -2.9% | -0.64% | 12.0% | 21.2% | 37.6% | 23 |
| 2024-Q2 | 12.81% | 9.76% | $160.6B | $114.8B | -4.6% | -0.04% | 11.7% | 20.8% | 38.5% | 23 |
| 2024-Q1 | 12.65% | 9.61% | $160.6B | $114.5B | -5.7% | -0.95% | 11.5% | 20.7% | 39.0% | 23 |
| 2023-Q4 | 12.42% | 9.38% | $162.2B | $115.3B | — | -3.06% | 11.2% | 20.5% | 38.9% | 20 |
| 2023-Q3 | 11.96% | 9.59% | $167.3B | $118.4B | — | -0.81% | 10.2% | 20.1% | 39.8% | 22 |
| 2023-Q2 | 11.25% | 9.26% | $168.6B | $120.3B | — | +0.17% | 10.1% | 20.1% | 40.2% | 28 |
| 2023-Q1 | 11.63% | 9.62% | $168.4B | $121.4B | — | — | 10.0% | 19.9% | 40.9% | — |
| 2022-Q4 | 11.31% | 9.23% | $167.6B | $120.3B | +5.0% | +1.15% | 9.9% | 19.5% | 40.7% | — |
| 2022-Q3 | 10.94% | 8.91% | $165.7B | $119.8B | +7.8% | +0.91% | 10.1% | 18.9% | 40.4% | — |
| 2022-Q2 | 10.58% | 8.61% | $164.2B | $119.4B | +7.1% | +3.39% | 9.8% | 18.8% | 43.5% | — |
| 2022-Q1 | 10.85% | 8.51% | $158.8B | $116.6B | +4.0% | +3.56% | 10.1% | 18.8% | 39.6% | — |
| 2021-Q4 | 10.90% | 8.29% | $153.4B | $114.6B | +3.2% | +4.04% | 10.0% | 18.7% | 38.0% | — |
| 2021-Q3 | 11.25% | 8.43% | $147.4B | $111.2B | +0.7% | +2.60% | 10.4% | 18.6% | 36.8% | — |
| 2021-Q2 | 11.67% | 8.46% | $143.7B | $111.4B | -1.6% | +1.63% | 10.8% | 18.0% | 38.9% | — |
| 2021-Q1 | 12.70% | 9.19% | $141.4B | $112.1B | -4.4% | +0.61% | 11.1% | 17.1% | 39.8% | — |
| 2020-Q4 | 12.28% | 8.85% | $140.5B | $111.0B | +1.2% | +0.55% | 11.1% | 16.8% | 40.6% | — |
| 2020-Q3 | 12.25% | 8.85% | $139.7B | $110.4B | +0.9% | -1.55% | 11.3% | 16.1% | 42.3% | — |
| 2020-Q2 | 11.76% | 8.80% | $141.9B | $113.2B | +3.6% | -3.16% | 11.1% | 15.4% | 44.5% | — |
| 2020-Q1 | 11.36% | 10.16% | $146.6B | $117.3B | +22.6% | +4.02% | 10.7% | 14.8% | 45.3% | — |
| 2019-Q4 | 11.86% | 10.36% | $140.9B | $109.7B | +15.8% | +0.17% | 11.0% | 15.4% | 41.7% | — |
| 2019-Q3 | 11.79% | 10.26% | $140.7B | $109.4B | +17.8% | +0.37% | 11.3% | 14.8% | 41.1% | — |
| 2019-Q2 | 11.67% | 10.59% | $140.2B | $109.3B | +19.4% | +14.64% | 11.3% | 14.2% | 41.0% | — |
| 2019-Q1 | 12.22% | 10.49% | $122.3B | $95.7B | +4.6% | +1.02% | 9.8% | 14.8% | 41.0% | — |
| 2018-Q4 | 11.93% | 10.27% | $121.0B | $94.7B | +3.9% | +2.10% | 9.7% | 14.7% | 40.4% | — |
| 2018-Q3 | 12.27% | 10.56% | $118.5B | $92.9B | +1.8% | +0.91% | 9.9% | 14.6% | 41.3% | — |
| 2018-Q2 | 12.43% | 10.63% | $117.5B | $91.5B | +0.7% | +1.07% | 9.8% | 14.5% | 40.5% | — |
| 2018-Q1 | 12.39% | 10.51% | $116.2B | $91.4B | +0.6% | +0.03% | 9.7% | 14.1% | 40.3% | — |
| 2017-Q4 | 12.06% | 10.32% | $116.2B | $91.2B | -0.4% | +0.52% | 9.5% | 14.3% | 39.6% | — |
| 2017-Q3 | 12.30% | 10.50% | $115.6B | $91.3B | -1.7% | -0.10% | 9.8% | 13.9% | 39.3% | — |
| 2017-Q2 | 12.24% | 10.50% | $115.7B | $90.9B | -2.7% | +0.26% | 9.6% | 13.7% | 39.4% | — |
| 2017-Q1 | 12.17% | 10.41% | $115.4B | $90.9B | -2.3% | -1.83% | 9.5% | 13.8% | 39.2% | — |
| 2016-Q4 | 11.92% | 10.30% | $117.6B | $91.5B | -0.7% | -1.17% | 9.3% | 14.3% | 39.2% | — |
| 2016-Q3 | 11.98% | 10.46% | $118.9B | $92.8B | -0.4% | -0.73% | 8.9% | 14.4% | 39.6% | — |
| 2016-Q2 | 11.83% | 10.37% | $119.8B | $93.4B | +1.2% | +0.31% | 8.6% | 14.6% | 40.1% | — |
| 2016-Q1 | 11.79% | 10.39% | $119.4B | $93.0B | +2.7% | +0.19% | 8.1% | 15.2% | 40.3% | — |
| 2015-Q4 | 11.92% | 10.43% | $119.2B | $92.1B | +2.5% | -1.57% | 8.1% | 15.9% | 39.1% | — |
| 2015-Q3 | 11.39% | 10.21% | $121.1B | $93.2B | +3.9% | +0.11% | 7.9% | 16.1% | 39.5% | — |
| 2015-Q2 | 11.25% | 10.14% | $121.0B | $92.3B | +3.0% | +1.37% | 7.4% | 16.3% | 39.7% | — |
| 2015-Q1 | 11.36% | 10.30% | $119.3B | $90.5B | +1.9% | +1.99% | 7.1% | 16.5% | 39.7% | — |
| 2014-Q4 | — | 10.49% | $117.0B | $89.9B | +2.3% | +0.82% | 7.0% | 16.9% | 38.3% | — |
| 2014-Q3 | — | 10.68% | $116.1B | $89.7B | +3.4% | -0.14% | 6.8% | 16.8% | 38.9% | — |
| 2014-Q2 | — | 10.72% | $116.2B | $89.6B | +2.6% | +0.42% | 6.6% | 16.7% | 39.5% | — |
| 2014-Q1 | — | 10.78% | $115.8B | $88.9B | +2.8% | +0.59% | 6.4% | 16.7% | 39.0% | — |
Latest Earnings Signals
From 2026-07-17 SEC 8-K earnings release · composite 0/4
CET1 pressure
RWA growth
Provisions rising
Capital optimisation
AI Investment Memo
Llama will analyze Fifth Third Bancorp across 4 data dimensions and write a structured memo
Score: 54/100·Model: gpt-oss-120b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score
Click Generate Analysis to create an investment memo
Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks
Score Breakdown
54/100 —MEDIUM
First-time candidate · scored on fundamentals (0–54 band)
Capital Pressure11.5/40
CET1 11.73% — below active SRT zone
+60.27pp headroom above 8% regulatory floor
+0.5CET1 declined 1 quarter (13.09% → 11.73%)
+5Leverage ratio 11.16% — adequate headroom
+0Loan Book Growth23/30
Loan book grew 45.2% YoY — above 10% capital-strain threshold
+12RWA grew 46.0% QoQ — rapid RWA expansion strains capital
+10CRE: 14.490563445587402%, Lev.Loans: 0%, max(Consumer/SME): 39.13036011746321%
+1Historical SRT4/25
No prior SRT deals on record
+0No prior SRT but capital pressure score 11.53075279531923/40 — high-probability first-time issuer
+4Macro Context9/10
Live macro signal: FAVORABLE (sentiment +14/20) — 9/10 pts
+9Large Bank
$500B–$1.25T total assets — active repeat issuers, genuine sourcing targets
Macro environment · FAVORABLE+6
Sentiment +14/20 · global +6 pts
Overall SRT likelihood54/100