{"schema_version":"secwatch.filing_event.v1","accession":"0000036104-24-000048","form_type":"8-K","ticker":"USB","cik":"0000036104","company_name":"US BANCORP DE","filed_at":"2024-07-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.521637+00:00","generated_at":"2026-05-31T20:18:53.410900+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"U.S. Bancorp Q2 net income $1.6B, adjusted EPS $0.98; CET1 ratio 10.3%","bullets":["Net income of $1,603M ($0.97 diluted EPS); adjusted net income $1,622M ($0.98 EPS) excluding $26M FDIC charge.","Net interest income (taxable-equivalent) $4,052M, up 0.9% linked quarter; net interest margin 2.67%.","Average total loans +1.0% and average total deposits +2.2% linked quarter; noninterest income +2.4% YoY.","Adjusted efficiency ratio 60.7%; return on tangible common equity 18.6%; return on assets 0.98%.","CET1 capital ratio improved to 10.3% from 10.0% in Q1; net charge-off ratio 0.58%."],"urls":{"canonical":"https://secwatch.observer/filing/0000036104-24-000048","json":"https://secwatch.observer/filing/0000036104-24-000048.json","markdown":"https://secwatch.observer/filing/0000036104-24-000048.md","text":"https://secwatch.observer/filing/0000036104-24-000048.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36104/000003610424000048/0000036104-24-000048-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36104/000003610424000048/usb-20240717.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T20:18:53.410900+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"}