Fifth Third Bancorp

Capital and liquidity are strong.

CET1 was ~10.8 percent at year‑end 2025, with tangible equity building as AOCI improved to a 3.11 billion dollar loss from 4.64 billion dollars in 2024. The bank cited over 100 billion dollars of readily available liquidity and 73.7 billion dollars of secured borrowing capacity, comfortably above 65.9 billion dollars of estimated uninsured domestic deposits at year‑end, implying meaningful coverage headroom.

Loan‑to‑core deposits of ~72 percent, NPA ratio of 0.65 percent, and manageable net charge‑offs support resilience. Ratings from major agencies remain investment grade (e.g., Fitch A‑ long‑term senior). Primary watch items: CRE office (management applied qualitative reserve overlays) and rising regulatory requirements under Category III.