{"schema_version":"secwatch.filing_event.v1","accession":"0000035527-24-000154","form_type":"8-K","ticker":"FITB","cik":"0000035527","company_name":"FIFTH THIRD BANCORP","filed_at":"2024-04-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.580745+00:00","generated_at":"2026-06-03T17:11:29.654771+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Fifth Third Q1 2024 EPS $0.70 down 10% YoY; NIM compressed, deposits grew 5%","bullets":["Net income available to common shareholders $480M ($0.70 diluted EPS) vs $535M ($0.78) year-ago.","Net interest margin (FTE) 2.86% vs 3.29% year-ago, down 43 bps; NII fell 9% YoY to $1.39B.","Average deposits increased 5% YoY to $168.1B; core deposits up 4%; loan-to-core deposit ratio 71%.","Net charge-off ratio 0.38% (0.26% year-ago); NPA ratio 0.64%; credit remains below historical levels.","CET1 capital ratio improved 15 bps QoQ to 10.44%; transferred $12.6B securities from AFS to HTM."],"urls":{"canonical":"https://secwatch.observer/filing/0000035527-24-000154","json":"https://secwatch.observer/filing/0000035527-24-000154.json","markdown":"https://secwatch.observer/filing/0000035527-24-000154.md","text":"https://secwatch.observer/filing/0000035527-24-000154.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/35527/000003552724000154/0000035527-24-000154-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/35527/000003552724000154/fitb-20240419.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T17:11:29.654771+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"aad87368fe9d0321d53cf4f2fe0b79215ce46527","claim":"FIFTH THIRD BANCORP reported first quarter 2024 results: net income $520 million, EPS $0.70 per diluted share.","evidence_excerpt":"Fifth Third Bancorp Reports First Quarter 2024 Diluted Earnings Per Share of $0.70","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/35527/000003552724000154/0000035527-24-000154-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter 2024"},{"label":"Net income","value":"$520 million"},{"label":"EPS","value":"$0.70 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}