{"schema_version":"secwatch.filing_event.v1","accession":"0000036104-26-000005","form_type":"8-K","ticker":"USB","cik":"0000036104","company_name":"US BANCORP DE","filed_at":"2026-01-20T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.392399+00:00","generated_at":"2026-05-16T09:39:49.365124+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 Q4 2025 record net revenue $7.365B, net income $2.045B up 23% YoY, EPS $1.26","bullets":["Record net revenue of $7,365M in Q4 2025; net income $2,045M up 23.0% YoY.","Diluted EPS $1.26, up 18% YoY as adjusted; full year 2025 diluted EPS $4.62.","Net interest margin 2.77%, up 6 bps YoY; efficiency ratio 57.4% improved from 61.5%.","CET1 capital ratio 10.8% at Dec 31, 2025; return on tangible common equity 18.4%.","Positive operating leverage of 440 bps as adjusted; record full year net revenue $28,656M."],"urls":{"canonical":"https://secwatch.observer/filing/0000036104-26-000005","json":"https://secwatch.observer/filing/0000036104-26-000005.json","markdown":"https://secwatch.observer/filing/0000036104-26-000005.md","text":"https://secwatch.observer/filing/0000036104-26-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36104/000003610426000005/0000036104-26-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36104/000003610426000005/usb-20260120.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:39:49.365124+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"}