{"schema_version":"secwatch.filing_event.v1","accession":"0000036104-26-000021","form_type":"8-K","ticker":"USB","cik":"0000036104","company_name":"US BANCORP DE","filed_at":"2026-04-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.582928+00:00","generated_at":"2026-05-15T05:57:14.012443+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":"USB Q1 net income $1.95B (+14% YoY); EPS $1.18 (+15% YoY); NIM 2.77%","bullets":["Net revenue $7,288M; net interest income $4,291M (+4.1% YoY); fee revenue $2,997M (+5.7% YoY)","Return on avg assets 1.15% vs 1.04% YoY; efficiency ratio 58.2% vs 60.8% YoY; positive operating leverage 440 bps","Average loans +3.8% YoY to $393.6B; average deposits +1.7% YoY to $515.1B; CET1 ratio 10.8%","Provision for credit losses $576M vs $537M YoY; net charge-off ratio 0.56% vs 0.59% YoY","Dividend declared $0.52 per share, unchanged from prior quarter"],"urls":{"canonical":"https://secwatch.observer/filing/0000036104-26-000021","json":"https://secwatch.observer/filing/0000036104-26-000021.json","markdown":"https://secwatch.observer/filing/0000036104-26-000021.md","text":"https://secwatch.observer/filing/0000036104-26-000021.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36104/000003610426000021/0000036104-26-000021-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36104/000003610426000021/usb-20260416.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T05:57:14.012443+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":[{"claim_id":"d6c878a1fd1789b20c1359bef20db4a1f011799a","claim":"US BANCORP DE reported financial results for the quarter ended March 31, 2026.","evidence_excerpt":"On April 16, 2026, U.S. Bancorp (the “Company”) issued a press release reporting financial results for the quarter ended March 31, 2026. The press release is attached as Exhibit 99.1 hereto and is incorporated herein by reference.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/36104/000003610426000021/0000036104-26-000021-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2026"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}