Overview
Fifth Third Bancorp Financial Statements FY2021-FY2026Q3
Fifth Third Bancorp's income statement and balance sheet, FY2021 through FY2026Q3, as a public, auditable plain-text Beancount ledger — reconstructed line by line from the company's own Form 10-K and 10-Q filings and version-controlled i… Ledger notes
Financial position
Net worth and the accounts that make it up
Money movement
Monthly income and spending by account category
Recent activity
Posting-aware activity from the journal
Income vs Expenses
Period data
| Period | Income | Expenses | Net Profit |
|---|---|---|---|
| 2021-12-31 | 7,888 MUSD | 5,118 MUSD | 2,770 MUSD |
| 2022-01-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2022-02-28 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2022-03-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2022-04-30 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2022-05-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2022-06-30 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2022-07-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2022-08-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2022-09-30 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2022-10-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2022-11-30 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2022-12-31 | 8,375 MUSD | 5,929 MUSD | 2,446 MUSD |
| 2023-01-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2023-02-28 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2023-03-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2023-04-30 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2023-05-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2023-06-30 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2023-07-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2023-08-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2023-09-30 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2023-10-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2023-11-30 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2023-12-31 | 8,708 MUSD | 6,359 MUSD | 2,349 MUSD |
| 2024-01-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2024-02-29 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2024-03-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2024-04-30 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2024-05-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2024-06-30 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2024-07-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2024-08-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2024-09-30 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2024-10-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2024-11-30 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2024-12-31 | 8,479 MUSD | 6,165 MUSD | 2,314 MUSD |
| 2025-01-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2025-02-28 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2025-03-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2025-04-30 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2025-05-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2025-06-30 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2025-07-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2025-08-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2025-09-30 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2025-10-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2025-11-30 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2025-12-31 | 9,017 MUSD | 6,495 MUSD | 2,522 MUSD |
| 2026-01-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2026-02-28 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2026-03-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2026-04-30 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2026-05-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2026-06-30 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2026-07-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2026-08-31 | 0 MUSD | 0 MUSD | 0 MUSD |
| 2026-09-30 | 3,279 MUSD | 2,413 MUSD | 866 MUSD |
Balance Sheet
Breakdown
| Account | Amount | Share of total |
|---|---|---|
| Assets:NonCurrent:PropertyPlantEquipment | 3,336 MUSD | 1.11% |
| Assets:NonCurrent:Other | 20,996 MUSD | 6.97% |
| Assets:NonCurrent:Loans | 180,272 MUSD | 59.85% |
| Assets:NonCurrent:InvestmentSecurities | 63,846 MUSD | 21.2% |
| Assets:NonCurrent:Goodwill | 9,984 MUSD | 3.31% |
| Assets:Current:ShortTermInvestments | 16,520 MUSD | 5.48% |
| Assets:Current:Cash | 4,086 MUSD | 1.36% |
| Other | 2,184 MUSD | 0.73% |
Breakdown
| Account | Amount | Share of total |
|---|---|---|
| Liabilities:NonCurrent:LongTermDebt | 16,938 MUSD | 6.32% |
| Liabilities:Current:Other | 7,330 MUSD | 2.74% |
| Liabilities:Current:Deposits | 239,486 MUSD | 89.39% |
| Liabilities:Current:AccountsPayable | 2,955 MUSD | 1.1% |
| Other | 1,200 MUSD | 0.45% |
Cash Flow
Loading account roles…
Fifth Third Bancorp (FITB) Financial Statements in Beancount — Open Ledger
Fifth Third Bancorp's income statement and balance sheet, FY2021 through FY2026Q3, as a public, auditable plain-text Beancount ledger — reconstructed line by line from the company's own Form 10-K and 10-Q filings and version-controlled in git. Part of the Open Ledger project on beancount.io.
Browse it live: beancount.io/ledger/open_ledger/fifth-third
Latest analysis: Fifth Third Q3 2026 Earnings: $0.90 GAAP, $1.13 Adjusted, and a Merger That Just Went Live
Key Figures
| Period | Period end | Revenue | Net income |
|---|---|---|---|
| FY2021 | 2021-12-31 | 7,888 | 2,770 |
| FY2022 | 2022-12-31 | 8,375 | 2,446 |
| FY2023 | 2023-12-31 | 8,708 | 2,349 |
| FY2024 | 2024-12-31 | 8,479 | 2,314 |
| FY2025 | 2025-12-31 | 9,017 | 2,522 |
| FY2026Q3 | 2026-09-30 | 3,279 | 866 |
Amounts in MUSD (millions of US dollars), exactly as the ledger records them.
What's Inside
| Period | File | Source |
|---|---|---|
| FY2021 | FY2021/FY2021.bean | Form 10-K for the fiscal year ended December 31, 2021 |
| FY2022 | FY2022/FY2022.bean | Form 10-K for the fiscal year ended December 31, 2022 |
| FY2023 | FY2023/FY2023.bean | Form 10-K for the fiscal year ended December 31, 2023 |
| FY2024 | FY2024/FY2024.bean | Form 10-K for the fiscal year ended December 31, 2024 |
| FY2025 | FY2025/FY2025.bean | Form 10-K for the fiscal year ended December 31, 2025 |
| FY2026Q3 | FY2026/FY2026Q3.bean | Current Report on Form 8-K dated October 19, 2026, Exhibit 99.1 |
Fiscal years end December 31 (SEC CIK 35527). FY2021–FY2025 come from Form 10-K filings and FY2026Q3 is the three months to September 30, 2026, from the 8-K earnings-release financial statements, Exhibit 99.1 (unaudited; no 10-Q was filed). The chart follows the fleet's bank mapping: all revenue is booked in Income:Revenue, the provision for credit losses in Expenses:CostOfRevenue and total noninterest expense in Expenses:OperatingExpenses, with trading assets, investment securities, loans and the loan-loss allowance, operating lease equipment, servicing rights, deposits and short-term borrowings in their own accounts. Fifth Third reports no noncontrolling interests in any period here, so net income is the consolidated amount with no NCI deduction. The FDIC special-assessment charges (FY2023–FY2024) and the Q3 2026 certain items ($215M merger-related charges, $19M technology impairments, $5M interchange litigation) are isolated as their own postings. The Comerica merger closed February 1, 2026 (~$12.7B all-stock), so FY2026Q3 is the combined company and every earlier period is Fifth Third standalone — year-over-year changes spanning the merger are acquisition effects first. Each annual is modeled from its own 10-K as filed, so three retrospective presentation changes step the detail lines with totals unchanged — see the Comparability note in main.bean.
Quick Start
uvx --from beancount bean-check main.bean
uvx --from beanquery bean-query main.bean \
"SELECT year, sum(position) WHERE account ~ '^Income:Revenue' GROUP BY year ORDER BY year"Zero output from bean-check means the ledger is internally consistent: every
income statement sums to zero and every balance-sheet snapshot reconciles to
the filed totals. The query prints revenue by calendar year; income is a
credit, so it shows as a negative number. Open main.bean in Fava
or import it into beancount.io to explore it visually.
Methodology
- Balance sheet —
pad/balancedirectives assert each period-end
figure against the filing named in that period file's source banner. - Income statement — one zero-sum transaction per period:
Income
negative (credit),Expensespositive (debit), with the arithmetic check in
a comment directly above it. - Unit —
MUSD;3,279 MUSDmeans 3,279 million US dollars. - Additional accounts —
Assets:Current:TradingAssets,
Assets:NonCurrent:InvestmentSecurities,Assets:NonCurrent:Loans,
Assets:NonCurrent:LoanAllowance,
Assets:NonCurrent:EquipmentOnOperatingLeases,
Assets:NonCurrent:LongTermInvestments,Liabilities:Current:Deposits,
Liabilities:Current:RepurchaseAgreements,
Liabilities:Current:TradingLiabilities,Expenses:OperatingExpenses, opened
beyond the standard chart (see each account'sopenline inmain.bean).
Analysis
- Fifth Third Q3 2026 Earnings: $0.90 GAAP, $1.13 Adjusted, and a Merger That Just Went Live — FY2026Q3
Corrections
Found a figure that does not match the filing? Email
[email protected] with the period, the account
and the filing page. Corrections are committed with the source cited.
About Open Ledger
Open Ledger is a growing library of public-company financial statements
published as plain-text accounting at
beancount.io/ledger — git-versioned, diffable
across companies, and auditable against primary filings. Read the analysis
behind the numbers on the beancount.io blog.
Disclaimer
This ledger is an independent reconstruction of Fifth Third Bancorp's publicly filed
financial statements, provided for educational and informational purposes
only. It is not investment, financial, legal, tax, or accounting advice, and
is not an offer or recommendation to buy or sell any security. Beancount.io is
not affiliated with, endorsed by, or sponsored by Fifth Third Bancorp; all trademarks
belong to their respective owners. Figures may contain errors, omissions, or
simplifications and may lag the latest filings — the company's own regulatory
filings are the authoritative source. Provided "as is" without warranty of any
kind; use at your own risk.