{"schema_version":"secwatch.filing_event.v1","accession":"0000036104-25-000060","form_type":"8-K","ticker":"USB","cik":"0000036104","company_name":"US BANCORP DE","filed_at":"2025-10-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.757981+00:00","generated_at":"2026-05-17T03:37:40.759784+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 Q3 net income $2,001M, EPS $1.22, up 18.4% YoY; record revenue","bullets":["Record net revenue of $7,329M; net income $2,001M (+16.7% YoY); diluted EPS $1.22 vs $1.03.","Return on tangible common equity 18.6% vs 17.9% a year ago; efficiency ratio 57.2% improved 300 bps YoY.","Net interest margin 2.75%, up 9 bps linked quarter; average loans +1.4% YoY; CET1 ratio 10.9%.","Dividend declared $0.52 per common share, up from $0.50 in prior quarter.","Fee revenue grew 9.5% YoY; trust and investment mgmt fees $730M (+9.4% YoY)."],"urls":{"canonical":"https://secwatch.observer/filing/0000036104-25-000060","json":"https://secwatch.observer/filing/0000036104-25-000060.json","markdown":"https://secwatch.observer/filing/0000036104-25-000060.md","text":"https://secwatch.observer/filing/0000036104-25-000060.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36104/000003610425000060/0000036104-25-000060-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36104/000003610425000060/usb-20251016.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:37:40.759784+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"}