---
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"
generated_at: "2026-05-18T06:03:53.474440+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# U.S. Bancorp Q2 2025 net income $1.82B (+13% YoY), EPS $1.11 vs $0.97

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000036104-25-000044
- JSON: https://secwatch.observer/filing/0000036104-25-000044.json
- Plain text: https://secwatch.observer/filing/0000036104-25-000044.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.