{"schema_version":"secwatch.filing_event.v1","accession":"0000036104-25-000044","form_type":"8-K","ticker":"USB","cik":"0000036104","company_name":"US BANCORP DE","filed_at":"2025-07-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.077756+00:00","generated_at":"2026-05-18T06:03:53.474440+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"U.S. Bancorp Q2 2025 net income $1.82B (+13% YoY), EPS $1.11 vs $0.97","bullets":["Net income $1,815M ($1.11 diluted EPS) vs $1,603M ($0.97) in Q2 2024, up 13.2%.","Net revenue $7,004M (+2.0% YoY); fee revenue $2,924M (+4.6%).","Noninterest expense $4,181M, down 0.2% YoY adjusted; efficiency ratio 59.2%.","Average loans $378.5B (+1.0% YoY); CET1 ratio 10.7%.","Dividend declared $0.50/common share, up from $0.49 in Q2 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0000036104-25-000044","json":"https://secwatch.observer/filing/0000036104-25-000044.json","markdown":"https://secwatch.observer/filing/0000036104-25-000044.md","text":"https://secwatch.observer/filing/0000036104-25-000044.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36104/000003610425000044/0000036104-25-000044-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36104/000003610425000044/usb-20250717.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T06:03:53.474440+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"}