Fifth Third Bancorp reports Q2 2025 EPS $0.88, net charge-off ratio declines 4 bps YoY.

• Fifth Third Bancorp reports Q2 2025 EPS of $0.88 • Net charge-off ratio down 4 bps YoY • Net interest margin expands • Loan growth accelerates • Efficiency ratio at 56.2% • CET1 at 10.56% • Interest-bearing liabilities costs down 2 bps • DDA growth at 4% • NPAs decrease 11% sequentially

Title: Fifth Third Bancorp Reports Strong Q2 2025 Results

CINCINNATI, Ohio – Fifth Third Bancorp (NASDAQ: FITB) reported its second-quarter 2025 financial results, highlighting robust performance across key metrics. The company reported diluted earnings per share (EPS) of $0.88, marking a 24% year-over-year increase [1].

Key financial highlights include a 4% year-over-year (YoY) decrease in the net charge-off ratio to 0.45%, indicating improved credit quality. The net interest margin (NIM) expanded to 3.12%, the sixth consecutive quarter of growth, driven by a 6% increase in loan growth compared to the same period last year [1].

Fifth Third's efficiency ratio, a measure of operational efficiency, stood at 56.2%, an improvement of 130 basis points (bps) from the previous year. The company's Common Equity Tier 1 (CET1) capital ratio reached 10.56%, up 13 bps from the prior year, reflecting a strong capital position [1].

The bank's interest-bearing liabilities costs decreased by 2 bps, contributing to the overall profitability. Deposits under demand and other accounts (DDA) grew by 4% year-over-year, while nonperforming assets (NPAs) decreased by 11% sequentially, including a 18% decline in commercial NPAs [1].

Fifth Third's CEO, Tim Spence, commented on the results, stating, "Fifth Third's financial results underscore our strong balance sheet, diverse revenue streams, and disciplined expense management. We've expanded our net interest margin, improved credit metrics, and strengthened our efficiency ratio. Our ongoing investments in strategic growth priorities continue to drive robust results."

The company's net interest income (NII) increased by 4% compared to the prior quarter, primarily due to higher average loan balances and strategic deposit management actions. Noninterest income also increased by 8% year-over-year, driven by growth in consumer banking revenue and other noninterest income [1].

Fifth Third's balance sheet remains well-diversified, with assets under management reaching $73 billion, up 12% compared to the same period last year. The company's focus on developing high-quality deposits, diversified loan originations, and consistent improvements in operating scalability is expected to continue generating strong, stable returns for shareholders.

References
[1] https://www.stocktitan.net/news/FITB/fifth-third-bancorp-reports-second-quarter-2025-diluted-earnings-per-m0os6c3em2iu.html