FITB Fifth Third Bancorp (FITB) Q3 FY26 earnings call
Fifth Third Bancorp delivered strong Q3 FY26 results, showcasing the profitability of the combined company post-Comerica integration, with adjusted ROTCE and efficiency ratio already exceeding 2027 targets. The bank demonstrated robust core deposit growth and disciplined expense management, positioning it for continued organic growth and market share gains, particularly in the high-growth Southeast and Southwest regions, despite a fluid interest rate environment.
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FITB operating KPIs by quarter
| KPI | Mar 2025 Q1 FY25 | Jun 2025 Q2 FY25 | Mar 2026 Q1 FY26 | Jun 2026 Q2 FY26 | This call Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|---|---|---|
| Common equity tier 1 ratio (CET1) | 10.5%Our strong profitability allowed us to maintain our CET1 ratio at 10.5%, consistent with our near-term target while growing our period-end loans by $2.4 billion, executing a $225 million share repurchase and absorbing the 7 basis point impact from the final CECL phase-in.Source: earnings call transcript | 10.6%We ended the quarter with a CET1 ratio of 10.6%, an increase of 13 basis points and consistent with our near-term target of 10.5%.Source: earnings call transcript | 10%CET1 ended at 10% and reflecting the impact of the Comerica transaction and strong RWA growth.Source: earnings call transcript | 9.93%CET1 ended the quarter at 9.93%, an increase of 4 basis points sequentially despite strong period-end loan growth and absorbing $175 million of after-tax charges related to the merger and other items.Source: earnings call transcript | 10%CET1 ended the quarter at 10%, up 9 basis points as earnings more than offset risk-weighted asset growth of 1% and the impact of $211 million of after-tax charges related to the integration and other items.Source: earnings call transcript | +0.1 pt |
| Common equity tier 1 ratio (CET1) Pro forma including AOCI | 8.3%Our pro forma CET1 ratio, including the AOCI impact of the securities portfolio is 8.3% up 52 basis points year-over-year.Source: earnings call transcript | 8.6%Our pro forma CET1 ratio including the AOCI impact of securities is 8.6%, up 60 basis points year-over-year.Source: earnings call transcript | — | 8.7%Our CET1 ratio, including the AOCI impact of our securities portfolio, was 8.7%, and tangible common equity, including AOCI, improved to 7.3%.Source: earnings call transcript | — | — |
| Net interest margin | — | — | — | 3.36%Net interest income was $2.22 billion, and net interest margin expanded 6 basis points sequentially to 3.36%.Source: earnings call transcript | 3.34%Net interest margin was 3.34%, down 2 basis points.Source: earnings call transcript | 0 pt |
| Assets under management (AUM) | — | — | $119BLooking further at wealth, fees were $233 million and total AUM ended the quarter at $119 billion.Source: earnings call transcript | $128BTotal assets under management were [ $128 billion ], and on a legacy Fifth Third basis, AUM was $85 billion, up 16% from the prior year.Source: earnings call transcript | $125BTotal assets under management were $125 billion at quarter end.Source: earnings call transcript | -2.3% |
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