Risk Sleuth
FITB · 10-K filed 24 Feb 2026 · year to 31 Dec 2025

Fifth Third Bancorp

28 named things its latest annual report says its results depend on, each in the company's own words. 20 of them are also named by other companies we've read.

Read the filing on SEC.gov ↗

Customers

Government-sponsored enterprises (GSEs)

earns fromnamed as a risk
Market conditions can also affect Fifth Third’s contractual obligations related to residential mortgage loans sold to various parties, including government-sponsored enterprises and other financial institutions for investment or private-label securitization.Risk factors (Item 1A)

Also named by AUB, FNF, JEF, TFC, UBSI

Partners and platforms

Zelle

depends onnamed as a risk
The risks relating to security and availability of Fifth Third’s systems are further heightened through the increasing use of near real-time money movement solutions such as Zelle, and increase the difficulty to detect, prevent and recover fraudulent transactions.Risk factors (Item 1A)

Also named by BAC, FISV, HBAN, JKHY, V

RTP (The Clearing House) and FedNow

named as a risk
With the launch of real-time payments networks, such as RTP® from The Clearing House and FedNow® from the Federal Reserve, instantaneous cash settlement capabilities are available 24 hours a day and 7 days a week.Risk factors (Item 1A)

Federal Home Loan Bank (FHLB)

depends on
In addition to customer deposits, sources of liquidity include investments in the securities portfolio, Fifth Third’s sale or securitization of loans in secondary markets, the pledging of loans and investment securities to access secured borrowing facilities through the FHLB and the FRB and Fifth Third’s ability to raise funds in money markets and capital markets.Risk factors (Item 1A)

Also named by C, CUBI, EFSC, FHN, FSUN, HBAN, SF, UNM

Financial Services Information Sharing and Analysis Center

The Bancorp also participates in the federally recognized Financial Services Information Sharing and Analysis Center and requires its employees and contractors to complete various education and training programs related to information security.Cybersecurity (Item 1C)

Also named by TFC

Other companies

Mortgage servicing rights

exposed to its pricenamed as a risk
When rates fall, mortgage originations tend to increase and the value of MSRs tends to decline, also with some offsetting revenue effect.Risk factors (Item 1A)

Also named by FSUN, HBAN, JPM, NLY, RKT, SSB

Comerica Incorporated

named as a risk
Fifth Third has incurred and expects to incur a number of costs associated with the Comerica Merger and the integration of Comerica.Risk factors (Item 1A)

Places

Midwestern and Southeastern United States

concentrated innamed as a risk
Fifth Third’s footprint stretches from the upper Midwestern to lower Southeastern regions of the U.S., and it has offices in many other areas of the country.Risk factors (Item 1A)

Hazards

Hurricanes, tornadoes and wildfires

operates innamed as a risk
Some of these regions have experienced hurricanes, tornadoes, wildfires and other natural disasters.Risk factors (Item 1A)

Commodities and inputs

Core deposits

depends on · average core deposits funded 77% of average total assetsnamed as a risk
Core deposits, which include transaction deposits and certificates of deposit $250,000 or less, have historically provided Fifth Third with a sizeable source of relatively stable and low-cost funds (average core deposits funded 77% of average total assets for the year ended December 31, 2025).Risk factors (Item 1A)

SOFR

exposed to its pricenamed as a risk
Fifth Third may use hedging instruments tied to U.S. Treasury rates, SOFR or other benchmarks that may not perfectly correlate with the value or income being hedged.Risk factors (Item 1A)

Also named by AAP, AIOT, APG, APH, ARES, AXON, BGC, BR and 82 more

Regulators

Federal Deposit Insurance Corporation (FDIC)

subject tonamed as a risk
The FDIC may further increase the assessment rates or impose additional special assessments in the future, which may require the Bank to pay significantly higher FDIC premiums.Risk factors (Item 1A)

Also named by AFRM, BAC, BNY, CASH, CFG, CFR, COF, FCFS and 27 more

Federal Reserve Board (FRB)

subject tonamed as a risk
The Bancorp’s stress capital buffer under the FRB severely adverse scenario was 3.2% as of both December 31, 2025 and 2024.Business (Item 1)

Also named by ALLY, AMP, BPOP, C, CFG, CFR, CME, COMP and 9 more

Consumer Financial Protection Bureau (CFPB)

subject to
The Bancorp is subject to supervision and regulation by the CFPB with respect to federal consumer protection laws.Business (Item 1)

Also named by ABNB, AFRM, ALLY, AN, AUB, AXP, BAC, CASH and 61 more

Commodity Futures Trading Commission (CFTC)

subject to
The Bank is registered with the Commodity Futures Trading Commission (the “CFTC”) as a swap dealer.Business (Item 1)

Also named by AB, ADM, AGNC, AMG, BAC, BGC, BMNR, C and 35 more

Financial Industry Regulatory Authority (FINRA)

subject to
Financial Industry Regulation Authority (“FINRA”) is the primary self-regulatory organization for Fifth Third’s registered broker-dealer subsidiary.Business (Item 1)

Also named by AB, ADP, AGNC, AMG, AMP, BAM, BEN, BR and 23 more

Office of the Comptroller of the Currency (OCC)

subject to
The Bank is evaluated periodically by the OCC with respect to CRA obligations and must maintain comprehensive records of its CRA activities for purposes of these examinations to permit the OCC to evaluate its record of performance in meeting the credit needs of the entire community served, including low-and moderate-income neighborhoods.Business (Item 1)

Also named by ADP, AMP, AXP, BAC, BLK, C, CASH, CFG and 22 more

Laws and programs

FRB debit card interchange fee rule (Regulation II)

subject to · 21 cents plus 0.05% of the transactionnamed as a risk
On October 25, 2023, the FRB proposed to lower the maximum interchange fee that a large debit card issuer can receive for a debit card transaction.Business (Item 1)

GENIUS Act (stablecoins)

competes withnamed as a risk
For example, as a result of the GENIUS Act, passed in 2025 to provide a regulatory framework for stablecoins in the U.S., increased competition may emerge from issuers of stablecoins and providers of related technology.Risk factors (Item 1A)

Also named by AUB, C, CFR, COF, COIN, CUBI, EWBC, FCNCA and 15 more

Dodd-Frank Act

subject tonamed as a risk
Compensation paid by financial institutions such as Fifth Third is heavily regulated, particularly under Dodd-Frank, which affects the amount and form of compensation Fifth Third pays to hire and retain talented employees.Risk factors (Item 1A)

Also named by AFL, AN, BGC, CNX, CPAY, EPD, EQT, GS and 14 more

Tailoring Rules (Category III/IV)

subject tonamed as a risk
After the acquisition of Comerica Incorporated, the Bancorp and the Bank expect to become Category III institutions by the end of 2026 and do not expect any material financial impacts associated with this transition.Business (Item 1)

Also named by CFG, FCNCA

State anti-ESG legislation

subject tonamed as a risk
States throughout Fifth Third’s footprint have taken actions or proposed measures to limit the state’s ability to do business with financial institutions or other businesses identified as discriminating against certain industries or practices based on environmental or social criteria.Risk factors (Item 1A)

Also named by BLK, OWL

Orderly Liquidation Fund

subject tonamed as a risk
Any such assessments may adversely affect Fifth Third’s business, financial condition or results of operations.Risk factors (Item 1A)

Also named by MTB

Tariffs and U.S. trade policy

named as a risk
Changes in trade policies by the U.S. or other countries, such as tariffs or retaliatory tariffs, may cause inflation which could impact the prices of products sold by the Bancorp’s borrowers and have the potential to reduce demand for their products impacting their profitability and making it difficult for its borrowers to repay their loans.Risk factors (Item 1A)

Community Reinvestment Act (CRA)

subject to
The Bank’s most recent CRA performance rating was Outstanding.Business (Item 1)

Also named by ALLY, AMP, AUB, CFG, CFR, EFSC, EWBC, FCNCA and 20 more

Gramm-Leach-Bliley Act (GLBA)

subject to
The GLBA requires financial institutions to implement policies and procedures regarding the disclosure of nonpublic personal information about consumers.Business (Item 1)

Also named by BR, CINF, EFX, FICO, FIS, OMF, ORI, PAYC and 4 more

FDIC resolution planning rule

subject to
The final rule took effect on October 1, 2024, and the Bank submitted its resolution plan as required prior to the July 1, 2025 deadline.Business (Item 1)

Also named by CFR, PNFP, SSB

FDIC special deposit insurance assessment

subject to
The Bancorp expects to remit the final quarterly payment of the special assessment at the end of the first quarter of 2026 and believes the related expense has been fully recognized as of December 31, 2025.Business (Item 1)