{"schema_version":"secwatch.filing_event.v1","accession":"0000036104-25-000025","form_type":"8-K","ticker":"USB","cik":"0000036104","company_name":"US BANCORP DE","filed_at":"2025-04-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.960366+00:00","generated_at":"2026-05-23T14:00:15.393956+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"U.S. Bancorp Q1 net income $1.71B, EPS $1.03, up from $0.78 YoY; NIM 2.72%","bullets":["Net income $1,709M, diluted EPS $1.03 vs $0.78 in Q1 2024 (+32% YoY).","Net revenue $6,958M (+3.6% YoY); net interest income $4,092M (+2.7%).","Net interest margin 2.72%, up 2 bps YoY; efficiency ratio improved to 60.8% from 66.4%.","CET1 ratio 10.8% (up from 10.0% a year ago); dividend declared $0.50/share.","Net charge-off ratio 0.59% vs 0.53% a year ago; loan growth 2.1% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0000036104-25-000025","json":"https://secwatch.observer/filing/0000036104-25-000025.json","markdown":"https://secwatch.observer/filing/0000036104-25-000025.md","text":"https://secwatch.observer/filing/0000036104-25-000025.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36104/000003610425000025/0000036104-25-000025-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36104/000003610425000025/usb-20250416.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T14:00:15.393956+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"}