Company: FITBI
Filing Date: 2025-11-04
Form Type: 10-Q
Source: 0000035527-25-000212
Chunk: 38

Company: FIFTH THIRD BANCORP
Filing Date: 2025-11-04
Form: 10-Q
Item: Item 7
Chunk 38
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 CDs over $250,000 decreased $1.3 billion, or 36%, for the three months ended September 30, 2025 compared to the same period in the prior year primarily due to maturities of retail brokered CDs.

Contractual maturities

The contractual maturities of CDs as of September 30, 2025 are summarized in the following table:

TABLE 21:  Contractual Maturities of CDs(a)($ in millions)Next 12 months$12,380 13-24 months213 25-36 months20 37-48 months10 49-60 months17 After 60 months2 Total CDs$12,642 

(a)Includes CDs $250,000 or less and CDs over $250,000.

Deposit insurance

The FDIC generally provides a standard amount of insurance of $250,000 per depositor, per insured bank, for each account ownership category defined by the FDIC. As of September 30, 2025 and December 31, 2024, approximately $98.8 billion, or 59%, and $100.6 billion, or 60%, respectively, of the Bancorp’s domestic deposits were estimated to be insured. As of September 30, 2025 and December 31, 2024, approximately $67.7 billion and $66.5 billion, respectively, of the Bancorp’s domestic deposits were estimated to be uninsured. At September 30, 2025 and December 31, 2024, approximately $1.4 billion and $1.1 billion, respectively, of time deposits were estimated to be uninsured. Where information is not readily available to determine the amount of insured deposits, the amount of uninsured deposits is estimated, consistent with the methodologies and assumptions utilized in providing information to the Bank’s regulators.

24

Table of ContentsManagement’s Discussion and Analysis of Financial Condition and Results of Operations (continued)

Borrowings

The Bancorp accesses a variety of short-term and long-term funding sources. Borrowings with original maturities of one year or less are classified as short-term and include federal funds purchased and other short-term borrowings. Total average borrowings as a percent of average interest-bearing liabilities was 14% for both the three months ended September 30, 2025 and 2024.

The following table summarizes the end of period components of borrowings:

TABLE 22:  Components of BorrowingsAs of ($ in millions)September 30