{"schema_version":"secwatch.filing_event.v1","accession":"0000035527-25-000102","form_type":"8-K","ticker":"FITB","cik":"0000035527","company_name":"FIFTH THIRD BANCORP","filed_at":"2025-04-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.952985+00:00","generated_at":"2026-05-23T12:31:25.837188+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Fifth Third Q1 EPS $0.71, NIM expands 6 bps, avg loans up 3% QoQ","bullets":["Diluted EPS $0.71 ($478M net income); impact of certain items -$0.02 (Visa total return swap mark).","Net interest income (FTE) $1,442M stable QoQ, up 4% YoY; NIM 3.03% (+6 bps QoQ, +17 bps YoY).","Avg portfolio loans $121.3B, +3% QoQ and YoY; avg deposits $164.2B, -2% QoQ and YoY.","NCO ratio 0.46% (flat QoQ, +8 bps YoY); NPA ratio 0.81% (+10 bps QoQ, +17 bps YoY).","CET1 ratio 10.45% (-12 bps QoQ); repurchased $225M stock; tangible book $19.92, +7% QoQ."],"urls":{"canonical":"https://secwatch.observer/filing/0000035527-25-000102","json":"https://secwatch.observer/filing/0000035527-25-000102.json","markdown":"https://secwatch.observer/filing/0000035527-25-000102.md","text":"https://secwatch.observer/filing/0000035527-25-000102.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/35527/000003552725000102/0000035527-25-000102-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/35527/000003552725000102/fitb-20250417.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T12:31:25.837188+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}