Fifth Third Bancorp 8-K, filed Oct 19, 2026

Fifth Third Bancorp (FITB)

8-K 2026-10-19 For: 2026-10-19

Added on October 19, 2026

About this 8-K

Fifth Third Bancorp filed this 8-K on October 19, 2026.

Fifth Third Bancorp reported third quarter 2026 net income available to common shareholders of $828 million ($0.90 diluted EPS), with adjusted EPS of $1.13 and adjusted ROTCE of 20.6%. Net interest income rose 3% sequentially to $2,276 million after the completed Comerica systems conversion. AI summary

Items reported

Item 2.02: Financial results
Item 7.01: Regulation FD disclosure
Item 9.01: Financial statements and exhibits

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						FIFTH THIRD BANCORP
						(Registrant)

Date: October 19, 2026						/s/ Bryan D. Preston

						Bryan D. Preston
						Executive Vice President and Chief Financial Officer



Key Financial Data							Key Highlights

$ in millions for all balance sheet and income statement items
	3Q26		2Q26		3Q25		Stability: •Resilient credit performance. Net charge-offs(b) of 31 bps in 3Q26 •Core deposits increased 3% sequentially; loan-to-core deposit ratio of 76% •Strong client and banker retention through the Comerica conversion Profitability: •Net interest income increased 3% sequentially •8% adjusted PPNR(a) growth and 450 bps of positive operating leverage from 2Q26 •20.6% adjusted ROTCE(a) and 1.41% adjusted ROA(a) Growth: •Generated 70% more commercial new quality relationships compared to 3Q25 •Consumer household growth of 7% in the Southeast and 8% in the Southwest •Gained deposit share in Texas and California, with capped deposits in Dallas, Houston and Austin each up more than 20% year-over-year, while Southeast deposit growth was more than five times the market rate

Income Statement Data
Net income available to common shareholders	$828		$763		$608
Net interest income (U.S. GAAP)	2,271		2,215		1,520
Net interest income (FTE)(a)	2,276		2,220		1,525
Noninterest income	1,008		1,059		781
Noninterest expense	2,049		2,109		1,267

Per Share Data
Earnings per share, basic	$0.91		$0.84		$0.91
Earnings per share, diluted	0.90		0.83		0.91
Book value per share	34.31		35.63		29.26
Tangible book value per share(a)	22.01		23.22		21.66

Balance Sheet & Credit Quality
Average portfolio loans and leases	$179,244		$177,572		$123,326
Average deposits	238,344		231,506		164,754
Accumulated other comprehensive loss	(4,919)		(3,286)		(3,276)
Net charge-off ratio(b)	0.31	%	0.30	%	1.09	%
Nonperforming asset ratio(c)	0.64		0.60		0.65

Financial Ratios
Return on average assets	1.14	%	1.08	%	1.21	%
Return on average common equity	10.2		9.5		12.6
Return on average tangible common equity(a)	16.6		15.6		17.3
CET1 capital(d)	10.02		9.93		10.57
Net interest margin(a)	3.34		3.36		3.13
Efficiency(a)	62.4		64.3		54.9
Other than the Quarterly Financial Review tables beginning on page 14, commentary is on a fully taxable-equivalent (FTE) basis unless otherwise noted. Consistent with SEC guidance in Regulation S-K that contemplates the calculation of tax-exempt income on a taxable-equivalent basis, net interest income, net interest margin, net interest rate spread, total revenue and the efficiency ratio are provided on an FTE basis.


Income Statement Highlights
($ in millions, except per share data)	For the Three Months Ended			% Change
	September	June	September
	2026	2026	2025	Seq	Yr/Yr
Condensed Statements of Income
Net interest income (NII)(a)	$2,276	$2,220	$1,525	3%	49%
Provision for credit losses	122	129	197	(5)%	(38)%
Noninterest income	1,008	1,059	781	(5)%	29%
Noninterest expense	2,049	2,109	1,267	(3)%	62%
Income before income taxes(a)	$1,113	$1,041	$842	7%	32%

Taxable equivalent adjustment	$5	$5	$5	—	—
Applicable income tax expense	242	235	188	3%	29%
Net income	$866	$801	$649	8%	33%
Dividends on preferred stock	38	38	41	—	(7)%
Net income available to common shareholders	$828	$763	$608	9%	36%
Earnings per share, diluted	$0.90	$0.83	$0.91	8%	(1)%


Net Interest Income
(FTE; $ in millions)(a)	For the Three Months Ended						% Change
	September		June		September
	2026		2026		2025		Seq	Yr/Yr
Interest Income
Interest income	$3,503		$3,377		$2,524		4%	39%
Interest expense	1,227		1,157		999		6%	23%
Net interest income (NII)	$2,276		$2,220		$1,525		3%	49%


Average Yield/Rate Analysis							bps Change
Yield on interest-earning assets	5.15	%	5.11	%	5.18	%	4	(3)
Rate paid on interest-bearing liabilities	2.50	%	2.44	%	2.77	%	6	(27)

Ratios
Net interest rate spread	2.65	%	2.67	%	2.41	%	(2)	24
Net interest margin (NIM)	3.34	%	3.36	%	3.13	%	(2)	21


Noninterest Income
($ in millions)	For the Three Months Ended			% Change
	September	June	September
	2026	2026	2025	Seq	Yr/Yr
Noninterest Income
Wealth and asset management revenue	$259	$256	$181	1%	43%
Commercial payments revenue	256	254	157	1%	63%
Consumer banking revenue	158	161	144	(2)%	10%
Capital markets fees	147	154	115	(5)%	28%
Commercial banking revenue	128	125	87	2%	47%
Mortgage banking net revenue	47	39	58	21%	(19)%
Other noninterest income	18	50	29	(64)%	(38)%
Securities (losses) gains, net	(5)	20	10	NM	NM


Total noninterest income	$1,008	$1,059	$781	(5)%	29%


Noninterest Income excluding certain items
($ in millions)	For the Three Months Ended			% Change
	September	June	September
	2026	2026	2025	Seq	Yr/Yr
Noninterest Income excluding certain items
Noninterest income (U.S. GAAP)	$1,008	$1,059	$781
Interchange litigation matters	29	1	18
Merger-related charges	10	—	—
Other securities losses/(gains), net	5	(30)	(10)

Securities repositioning losses	—	10	—
Noninterest income excluding certain items(a)	$1,052	$1,040	$789	1%	33%


Noninterest Expense excluding certain item(s)
($ in millions)	For the Three Months Ended			% Change
	September	June	September
	2026	2026	2025	Seq	Yr/Yr
Noninterest Expense excluding certain item(s)
Noninterest expense (U.S. GAAP)	$2,049	$2,109	$1,267
Merger-related charges	(215)	(203)	—
Technology-related asset impairments	(19)	(7)	—
Interchange litigation matters	(5)	(1)	(9)
Severance expense	—	(7)	—


FDIC special assessment	—	—	6
Noninterest expense excluding certain item(s)(a)	$1,810	$1,891	$1,264	(4)%	43%
Non-qualified deferred compensation benefit/(expense)	6	(30)	(11)
Noninterest expense excluding certain item(s) and non-qualified deferred compensation(a)	$1,816	$1,861	$1,253	(2)%	45%


Average Interest-Earning Assets
($ in millions)	For the Three Months Ended			% Change
	September	June	September
	2026	2026	2025	Seq	Yr/Yr
Average Portfolio Loans and Leases
Commercial loans and leases:
Commercial and industrial loans	$85,982	$84,967	$54,170	1%	59%
Commercial mortgage loans	27,263	27,176	12,027	—	127%
Commercial construction loans	8,744	8,437	5,541	4%	58%
Commercial leases	3,574	3,503	3,177	2%	12%
Total commercial loans and leases	$125,563	$124,083	$74,915	1%	68%
Consumer loans:
Residential mortgage loans	$19,775	$19,626	$17,656	1%	12%
Home equity	7,023	6,830	4,579	3%	53%
Indirect secured consumer loans	18,182	18,239	17,729	—	3%
Credit card	1,646	1,646	1,678	—	(2)%
Solar energy installation loans	4,244	4,384	4,355	(3)%	(3)%
Other consumer loans	2,811	2,764	2,414	2%	16%
Total consumer loans	$53,681	$53,489	$48,411	—	11%
Total average portfolio loans and leases	$179,244	$177,572	$123,326	1%	45%

Average Loans and Leases Held for Sale
Commercial loans and leases held for sale	$170	$399	$44	(57)%	286%
Consumer loans held for sale	597	736	623	(19)%	(4)%
Total average loans and leases held for sale	$767	$1,135	$667	(32)%	15%

Total average loans and leases	$180,011	$178,707	$123,993	1%	45%

Securities (taxable and tax-exempt)	$68,543	$67,924	$54,592	1%	26%
Other short-term investments	21,469	18,358	14,915	17%	44%
Total average interest-earning assets	$270,023	$264,989	$193,500	2%	40%


End of Period Interest-Earning Assets
($ in millions)	As of			% Change
	September	June	September
	2026	2026	2025	Seq	Yr/Yr
End of Period Portfolio Loans and Leases
Total commercial loans and leases	$126,366	$124,880	$74,423	1%	70%
Total consumer loans	53,906	53,648	48,707	—	11%
Total portfolio loans and leases	$180,272	$178,528	$123,130	1%	46%

End of Period Loans and Leases Held for Sale


Total loans and leases held for sale	$728	$866	$576	(16)%	26%

Total loans and leases	$181,000	$179,394	$123,706	1%	46%

Securities (taxable and tax-exempt)	$70,769	$68,332	$52,680	4%	34%
Other short-term investments	16,520	19,350	17,215	(15)%	(4)%
Total interest-earning assets	$268,289	$267,076	$193,601	—	39%


Average Wholesale Funding
	($ in millions)	For the Three Months Ended			% Change
		September	June	September
		2026	2026	2025	Seq	Yr/Yr
	Average Wholesale Funding
	CDs over $250,0001	$2,705	$2,990	$2,244	(10)%	21%

	Federal funds purchased	181	160	198	13%	(9)%
	Securities sold under repurchase agreements	395	444	376	(11)%	5%
	FHLB advances	2,365	3,437	4,920	(31)%	(52)%
	Derivative collateral and other secured borrowings	93	64	82	45%	13%
	Long-term debt	17,513	18,817	14,001	(7)%	25%
	Total average wholesale funding	$23,252	$25,912	$21,821	(10)%	7%
	1CDs over $250,000 includes $1.0MM, $0.1BN, and $1.0BN of retail brokered certificates of deposit which are fully covered by FDIC insurance for the three months ended 9/30/26, 6/30/26, and 9/30/25, respectively.


Credit Quality Summary
($ in millions)	As of and For the Three Months Ended
	September		June		March		December		September
	2026		2026		2026		2025		2025

Total nonaccrual portfolio loans and leases (NPLs)	$1,070		$1,041		$960		$767		$768
Repossessed property	9		10		11		11		12
OREO1	81		24		28		19		21
Total nonperforming portfolio loans and leases and OREO (NPAs)	$1,160		$1,075		$999		$797		$801

NPL ratio(f)	0.59	%	0.58	%	0.54	%	0.62	%	0.62	%
NPA ratio(c)	0.64	%	0.60	%	0.57	%	0.65	%	0.65	%

Portfolio loans and leases 30-89 days past due (accrual)	$540		$561		$683		$360		$348
Portfolio loans and leases 90 days past due (accrual)	42		33		49		30		29

30-89 days past due as a % of portfolio loans and leases	0.30	%	0.31	%	0.39	%	0.29	%	0.28	%
90 days past due as a % of portfolio loans and leases	0.02	%	0.02	%	0.03	%	0.02	%	0.02	%

Allowance for loan and lease losses (ALLL), beginning	$2,918		$2,922		$2,253		$2,265		$2,412
Total net losses charged-off	(139)		(135)		(144)		(125)		(339)
Provision for loan and lease losses	127		131		152		113		192
Allowance on PCD loans and leases at acquisition	—		(1)		180		—		—
Allowance on PSLs at acquisition	—		1		481		—		—
ALLL, ending	$2,906		$2,918		$2,922		$2,253		$2,265

Reserve for unfunded commitments, beginning	$230		$232		$157		$151		$146
(Benefit from) provision for the reserve for unfunded commitments	(5)		(2)		75		6		5
Reserve for unfunded commitments, ending	$225		$230		$232		$157		$151

Total allowance for credit losses (ACL)	$3,131		$3,148		$3,154		$2,410		$2,416

ACL ratios:
As a % of portfolio loans and leases	1.74	%	1.76	%	1.79	%	1.96	%	1.96	%
As a % of nonperforming portfolio loans and leases	292	%	303	%	328	%	314	%	314	%
As a % of nonperforming portfolio assets	270	%	293	%	316	%	302	%	302	%

ALLL as a % of portfolio loans and leases	1.61	%	1.63	%	1.66	%	1.84	%	1.84	%

Total losses charged-off	$(192)		$(181)		$(187)		$(177)		$(382)
Total recoveries of losses previously charged-off	53		46		43		52		43
Total net losses charged-off2	$(139)		$(135)		$(144)		$(125)		$(339)

Net charge-off ratio (NCO ratio)(b)2	0.31	%	0.30	%	0.37	%	0.40	%	1.09	%
Commercial NCO ratio	0.22	%	0.21	%	0.26	%	0.27	%	1.46	%
Consumer NCO ratio	0.52	%	0.53	%	0.58	%	0.59	%	0.52	%
1Includes branch-related real estate no longer intended to be used for banking purposes.
2Excludes net charge-offs of $100 million which were taken immediately at the time of acquisition.


Capital Position
	As of and For the Three Months Ended
	September		June		March		December		September
	2026		2026		2026		2025		2025
Capital Position
Average total Bancorp shareholders' equity as a % of average assets	11.37	%	11.50	%	11.34	%	10.11	%	10.02	%
Tangible equity(a)	9.13	%	9.04	%	9.01	%	9.28	%	9.12	%
Tangible common equity (excluding AOCI)(a)	8.39	%	8.30	%	8.26	%	8.46	%	8.29	%
Tangible common equity (including AOCI)(a)	6.88	%	7.29	%	7.25	%	7.14	%	6.89	%

Regulatory Capital Ratios(d)
CET1 capital	10.02	%	9.93	%	9.89	%	10.81	%	10.57	%
Tier 1 risk-based capital	10.90	%	10.81	%	10.79	%	11.87	%	11.63	%
Total risk-based capital	12.54	%	12.50	%	12.50	%	13.78	%	13.54	%
Leverage	9.22	%	9.20	%	10.22	%	9.41	%	9.24	%




			Financial Highlights			14-15
			Consolidated Statements of Income			16-17
			Consolidated Balance Sheets			18-19
			Consolidated Statements of Changes in Equity			20
			Average Balance Sheets and Yield/Rate Analysis			21-22
			Summary of Loans and Leases			23
			Regulatory Capital			24
			Summary of Credit Loss Experience			25
			Asset Quality			26
			Non-GAAP Reconciliation			27-29
			Segment Presentation			30


Fifth Third Bancorp and Subsidiaries
Financial Highlights		As of and For the Three Months Ended						% / bps								% / bps
$ in millions, except per share data								Change				Year to Date				Change
(unaudited)		September		June		September						September		September
		2026		2026		2025		Seq		Yr/Yr		2026		2025		Yr/Yr
Income Statement Data
Net interest income		$2,271		$2,215		$1,520		3%		49%		$6,420		$4,453		44%
Net interest income (FTE)(a)		2,276		2,220		1,525		3%		49%		6,435		4,468		44%
Noninterest income		1,008		1,059		781		(5%)		29%		2,962		2,224		33%
	Total revenue (FTE)(a)	3,284		3,279		2,306		—		42%		9,397		6,692		40%
Provision for credit losses		122		129		197		(5%)		(38%)		479		544		(12%)
Noninterest expense		2,049		2,109		1,267		(3%)		62%		6,553		3,835		71%
Net income		866		801		649		8%		33%		1,832		1,791		2%
Net income available to common shareholders		828		763		608		9%		36%		1,719		1,677		3%

Earnings Per Share Data
Net income allocated to common shareholders		$828		$763		$608		9%		36%		$1,719		$1,677		3%
Average common shares outstanding (in thousands):
	Basic	911,919		911,613		666,427		—		37%		883,202		669,405		32%
	Diluted	917,103		915,959		670,878		—		37%		888,097		673,632		32%
Earnings per share, basic		$0.91		$0.84		$0.91		8%		—		$1.95		$2.51		(22%)
Earnings per share, diluted		0.90		0.83		0.91		8%		(1%)		1.94		2.49		(22%)

Common Share Data
Cash dividends per common share		$0.42		$0.40		$0.40		5%		5%		$1.22		$1.14		7%
Book value per share		34.31		35.63		29.26		(4%)		17%		34.31		29.26		17%
Market value per share		50.58		56.37		44.55		(10%)		14%		50.58		44.55		14%
Common shares outstanding (in thousands)		907,367		906,573		660,973		—		37%		907,367		660,973		37%
Market capitalization		$45,895		$51,103		$29,446		(10%)		56%		$45,895		$29,446		56%

Financial Ratios
Return on average assets		1.14	%	1.08	%	1.21	%	6		(7)		0.85	%	1.13	%	(28)
Return on average common equity		10.2	%	9.5	%	12.6	%	70		(240)		7.5	%	12.1	%	(460)
Return on average tangible common equity(a)		16.6	%	15.6	%	17.3	%	100		(70)		12.3	%	16.8	%	(450)
Noninterest income as a percent of total revenue(a)		31	%	32	%	34	%	(100)		(300)		32	%	33	%	(100)
Dividend payout		46.2	%	47.6	%	44.0	%	NM		NM		62.6	%	45.4	%	NM
Average total Bancorp shareholders’ equity as a percent of average assets		11.37	%	11.50	%	10.02	%	(13)		135		11.40	%	9.78	%	162
Tangible common equity(a)		8.39	%	8.30	%	8.29	%	9		10		8.39	%	8.29	%	10
Net interest margin (FTE)(a)		3.34	%	3.36	%	3.13	%	(2)		21		3.34	%	3.10	%	24
Efficiency (FTE)(a)		62.4	%	64.3	%	54.9	%	(190)		750		69.7	%	57.3	%	NM
Effective tax rate		21.8	%	22.7	%	22.6	%	(90)		(80)		22.0	%	22.1	%	(10)

Credit Quality
Net losses charged-off(h)		$139		$135		$339		3	%	(59	%)	$419		$614		(32	%)
Net losses charged-off as a percent of average portfolio loans and leases (annualized)		0.31	%	0.30	%	1.09	%	1		(78)		0.33	%	0.67	%	(34)
ALLL as a percent of portfolio loans and leases		1.61	%	1.63	%	1.84	%	(2)		(23)		1.61	%	1.84	%	(23)
ACL as a percent of portfolio loans and leases(f)		1.74	%	1.76	%	1.96	%	(2)		(22)		1.74	%	1.96	%	(22)
Nonperforming portfolio assets as a percent of portfolio loans and leases and OREO		0.64	%	0.60	%	0.65	%	4		(1)		0.64	%	0.65	%	(1)

Average Balances
Loans and leases, including held for sale		$180,011		$178,707		$123,993		1%		45%		$172,414		$123,147		40%
Securities and other short-term investments		90,012		86,282		69,507		4%		30%		85,362		69,853		22%
Assets		302,119		297,948		211,770		1%		43%		288,673		210,965		37%
Transaction deposits(b)		223,537		216,113		151,669		3%		47%		211,624		151,327		40%
Core deposits(c)		235,639		228,516		162,510		3%		45%		223,674		161,901		38%
Wholesale funding(d)		23,252		25,912		21,821		(10%)		7%		23,577		22,167		6%
Bancorp shareholders' equity		34,338		34,260		21,216		—		62%		32,917		20,633		60%

Regulatory Capital Ratios(e)
CET1 capital		10.02	%	9.93	%	10.57	%	9		(55)		10.02	%	10.57	%	(55)
Tier 1 risk-based capital		10.90	%	10.81	%	11.63	%	9		(73)		10.90	%	11.63	%	(73)
Total risk-based capital		12.54	%	12.50	%	13.54	%	4		(100)		12.54	%	13.54	%	(100)
Leverage		9.22	%	9.20	%	9.24	%	2		(2)		9.22	%	9.24	%	(2)

Additional Metrics
Banking centers		1,429		1,500		1,102		(5%)		30%		1,429		1,102		30%
ATMs		2,549		2,648		2,184		(4%)		17%		2,549		2,184		17%
Full-time equivalent employees		25,069		25,197		18,476		(1%)		36%		25,069		18,476		36%
Assets under care ($ in billions)(g)		$880		$902		$681		(2%)		29%		$880		$681		29%
Assets under management ($ in billions)(g)		125		128		77		(2%)		62%		125		77		62%


Fifth Third Bancorp and Subsidiaries
Consolidated Statements of Income
$ in millions	For the Three Months Ended			% Change		Year to Date		% Change
(unaudited)	September	June	September			September	September
	2026	2026	2025	Seq	Yr/Yr	2026	2025	Yr/Yr
Interest Income
Interest and fees on loans and leases	$2,669	$2,607	$1,909	2%	40%	$7,570	$5,604	35%
Interest on securities	631	598	444	6%	42%	1,730	1,354	28%
Interest on other short-term investments	198	167	166	19%	19%	543	477	14%
Total interest income	3,498	3,372	2,519	4%	39%	9,843	7,435	32%

Interest Expense
Interest on deposits	983	891	750	10%	31%	2,688	2,226	21%
Interest on short-term borrowings	28	38	61	(26%)	(54%)	71	181	(61%)
Interest on long-term debt	216	228	188	(5%)	15%	664	575	15%
Total interest expense	1,227	1,157	999	6%	23%	3,423	2,982	15%

Net Interest Income	2,271	2,215	1,520	3%	49%	6,420	4,453	44%

Provision for credit losses	122	129	197	(5%)	(38%)	479	544	(12%)
Net Interest Income After Provision for Credit Losses	2,149	2,086	1,323	3%	62%	5,941	3,909	52%

Noninterest Income
Wealth and asset management revenue	259	256	181	1%	43%	748	519	44%
Commercial payments revenue	256	254	157	1%	63%	728	462	58%
Consumer banking revenue	158	161	144	(2%)	10%	465	428	9%
Capital markets fees	147	154	115	(5%)	28%	435	294	48%
Commercial banking revenue	128	125	87	2%	47%	358	247	45%
Mortgage banking net revenue	47	39	58	21%	(19%)	130	171	(24%)
Other noninterest income	18	50	29	(64%)	(38%)	95	86	10%
Securities gains (losses), net	(5)	20	10	NM	NM	3	17	(82%)

Total noninterest income	1,008	1,059	781	(5%)	29%	2,962	2,224	33%

Noninterest Expense
Compensation and benefits	982	1,129	685	(13%)	43%	3,521	2,132	65%
Technology and communications	300	250	128	20%	134%	753	378	99%
Net occupancy expense	144	154	89	(6%)	62%	439	260	69%
Card and processing expense	60	66	22	(9%)	173%	205	65	215%
Equipment expense	59	60	44	(2%)	34%	173	126	37%
Loan and lease expense	47	53	39	(11%)	21%	142	105	35%
Marketing expense	57	65	34	(12%)	68%	171	105	63%
Other noninterest expense	400	332	226	20%	77%	1,149	664	73%
Total noninterest expense	2,049	2,109	1,267	(3%)	62%	6,553	3,835	71%
Income Before Income Taxes	1,108	1,036	837	7%	32%	2,350	2,298	2%
Applicable income tax expense	242	235	188	3%	29%	518	507	2%
Net Income	866	801	649	8%	33%	1,832	1,791	2%
Dividends on preferred stock	38	38	41	—	(7%)	113	114	(1%)
Net Income Available to Common Shareholders	$828	$763	$608	9%	36%	$1,719	$1,677	3%


Fifth Third Bancorp and Subsidiaries
Consolidated Balance Sheets
$ in millions, except per share data	As of
(unaudited)	September	June	March	December	September
	2026	2026	2026	2025	2025
Assets
Cash and due from banks	$4,086	$4,374	$4,084	$3,499	$2,901
Other short-term investments	16,520	19,350	17,456	18,876	17,215
Available-for-sale debt and other securities(a)	42,984	44,466	46,161	36,159	36,461
Held-to-maturity securities(b)	20,862	18,404	16,389	11,368	11,498
Trading debt securities	1,760	1,853	1,669	1,057	1,266
Equity securities	471	495	544	453	287
Loans and leases held for sale	728	866	1,365	733	576
Portfolio loans and leases:
Commercial and industrial loans	86,144	85,736	83,864	52,749	53,947
Commercial mortgage loans	27,486	27,196	27,143	12,228	11,932
Commercial construction loans	8,957	8,459	8,329	5,316	5,326
Commercial leases	3,779	3,489	3,523	3,269	3,218
Total commercial loans and leases	126,366	124,880	122,859	73,562	74,423
Residential mortgage loans	19,895	19,713	19,507	17,652	17,644
Home equity	7,132	6,929	6,735	4,846	4,678
Indirect secured consumer loans	18,196	18,186	18,296	17,964	17,885
Credit card	1,660	1,683	1,658	1,747	1,692
Solar energy installation loans	4,193	4,314	4,465	4,560	4,432
Other consumer loans	2,830	2,823	2,730	2,320	2,376
Total consumer loans	53,906	53,648	53,391	49,089	48,707
Portfolio loans and leases	180,272	178,528	176,250	122,651	123,130
Allowance for loan and lease losses	(2,906)	(2,918)	(2,922)	(2,253)	(2,265)
Portfolio loans and leases, net	177,366	175,610	173,328	120,398	120,865
Bank premises and equipment	3,336	3,343	3,283	2,734	2,655
Goodwill	9,984	9,990	9,966	4,947	4,947
Intangible assets	1,190	1,253	1,233	69	76
Servicing rights	1,669	1,607	1,583	1,598	1,601
Other assets	20,268	18,569	19,978	12,485	12,555
Total Assets	$301,224	$300,180	$297,039	$214,376	$212,903

Liabilities
Deposits:
Demand	$64,747	$63,928	$65,335	$42,647	$41,830


Fifth Third Bancorp and Subsidiaries
Average Balance Sheets and Yield/Rate Analysis	Year to Date
$ in millions	September			September
(unaudited)	2026			2025
	Average	Average		Average	Average
	Balance	Yield/Rate		Balance	Yield/Rate
Assets
Interest-earning assets:
Loans and leases:
Commercial and industrial loans(a)	$81,586	5.89	%	$53,916	6.23	%
Commercial mortgage loans(a)	25,524	5.88	%	12,282	6.12	%
Commercial construction loans(a)	8,206	6.48	%	5,720	7.09	%
Commercial leases(a)	3,476	4.71	%	3,136	4.77	%
Total commercial loans and leases	118,792	5.90	%	75,054	6.22	%
Residential mortgage loans	20,052	4.20	%	18,139	3.99	%
Home equity	6,643	6.95	%	4,396	7.47	%
Indirect secured consumer loans	18,175	5.54	%	17,156	5.62	%
Credit card	1,650	13.90	%	1,655	14.44	%
Solar energy installation loans	4,380	7.98	%	4,282	8.30	%
Other consumer loans	2,722	8.69	%	2,465	9.24	%
Total consumer loans	53,622	5.83	%	48,093	5.90	%
Total loans and leases	172,414	5.88	%	123,147	6.09	%
Securities:
Taxable securities	64,128	3.55	%	54,441	3.26	%
Tax exempt securities(a)	1,376	3.25	%	1,362	3.18	%
Other short-term investments	19,858	3.65	%	14,050	4.54	%
Total interest-earning assets	257,776	5.11	%	193,000	5.16	%
Cash and due from banks	3,275			2,437
Other assets	30,465			17,911
Allowance for loan and lease losses	(2,843)			(2,383)
Total Assets	$288,673			$210,965

Liabilities
Interest-bearing liabilities:
Interest checking deposits	$70,996	2.20	%	$57,103	2.70	%
Savings deposits	18,006	0.35	%	16,852	0.49	%
Money market deposits	61,266	2.47	%	36,731	2.41	%
CDs $250,000 or less	12,050	3.01	%	10,574	3.54	%
Total interest-bearing core deposits	162,318	2.16	%	121,260	2.38	%


Fifth Third Bancorp and Subsidiaries
Non-GAAP Reconciliation
$ and shares in millions		As of and For the Three Months Ended
(unaudited)		September		June		March		December		September
		2026		2026		2026		2025		2025
Net interest income		$2,271		$2,215		$1,934		$1,529		$1,520
Add: Taxable equivalent adjustment		5		5		5		4		5
Net interest income (FTE) (a)		2,276		2,220		1,939		1,533		1,525

Net interest income (annualized) (b)		9,010		8,884		7,843		6,066		6,030
Net interest income (FTE) (annualized) (c)		9,030		8,904		7,864		6,082		6,050

Interest income		3,498		3,372		2,972		2,468		2,519
Add: Taxable equivalent adjustment		5		5		5		4		5
Interest income (FTE)		3,503		3,377		2,977		2,472		2,524
Interest income (FTE) (annualized) (d)		13,898		13,545		12,073		9,807		10,014

Interest expense (annualized) (e)		4,868		4,641		4,210		3,725		3,963
Average interest-earning assets (f)		270,023		264,989		237,961		194,144		193,500
Average interest-bearing liabilities (g)		194,663		190,452		172,326		143,518		143,096

Net interest margin (b) / (f)		3.34	%	3.35	%	3.30	%	3.12	%	3.12	%
Net interest margin (FTE) (c) / (f)		3.34	%	3.36	%	3.30	%	3.13	%	3.13	%
Net interest rate spread (FTE) (d) / (f) - (e) / (g)		2.65	%	2.67	%	2.63	%	2.45	%	2.41	%

Income before income taxes		$1,108		$1,036		$207		$912		$837
Add: Taxable equivalent adjustment		5		5		5		4		5
Income before income taxes (FTE)		1,113		1,041		212		916		842

Net income available to common shareholders		828		763		128		699		608
Add: Intangible amortization, net of tax		48		48		34		5		5
Tangible net income available to common shareholders (h)		876		811		162		704		613
Tangible net income available to common shareholders (annualized) (i)		3,475		3,253		657		2,793		2,432

Average Bancorp shareholders’ equity		34,338		34,260		30,108		21,527		21,216
Less:	Average preferred stock	(2,182)		(2,182)		(2,040)		(1,770)		(2,112)
	Average goodwill	(9,976)		(9,973)		(8,686)		(4,947)		(4,937)
	Average intangible assets	(1,221)		(1,257)		(841)		(72)		(77)
Average tangible common equity, including AOCI (j)		20,959		20,848		18,541		14,738		14,090
Less:	Average AOCI	3,813		3,376		3,080		3,137		3,520
Average tangible common equity, excluding AOCI (k)		24,772		24,224		21,621		17,875		17,610

Total Bancorp shareholders’ equity		33,315		34,482		34,106		21,724		21,107
Less:	Preferred stock	(2,182)		(2,182)		(2,182)		(1,770)		(1,770)
	Goodwill	(9,984)		(9,990)		(9,966)		(4,947)		(4,947)
	Intangible assets	(1,190)		(1,253)		(1,233)		(69)		(76)
Tangible common equity, including AOCI (l)		19,959		21,057		20,725		14,938		14,314
Less:	AOCI	4,919		3,286		3,234		3,110		3,276
Tangible common equity, excluding AOCI (m)		24,878		24,343		23,959		18,048		17,590
Add:	Preferred stock	2,182		2,182		2,182		1,770		1,770
Tangible equity (n)		27,060		26,525		26,141		19,818		19,360

Total assets		301,224		300,180		297,039		214,376		212,903
Less:	Goodwill	(9,984)		(9,990)		(9,966)		(4,947)		(4,947)
	Intangible assets	(1,190)		(1,253)		(1,233)		(69)		(76)
Tangible assets, including AOCI (o)		290,050		288,937		285,840		209,360		207,880
Less:	AOCI, before tax	6,472		4,324		4,255		4,092		4,311
Tangible assets, excluding AOCI (p)		$296,522		$293,261		$290,095		$213,452		$212,191

Common shares outstanding (q)		907		907		906		661		661

Tangible equity (n) / (p)		9.13	%	9.04	%	9.01	%	9.28	%	9.12	%
Tangible common equity (excluding AOCI) (m) / (p)		8.39	%	8.30	%	8.26	%	8.46	%	8.29	%
Tangible common equity (including AOCI) (l) / (o)		6.88	%	7.29	%	7.25	%	7.14	%	6.89	%
Tangible book value per share (including AOCI) (l) / (q)		$22.01		$23.22		$22.88		$22.60		$21.66
Tangible book value per share (excluding AOCI) (m) / (q)		$27.43		$26.84		$26.44		$27.30		$26.61