{"schema_version":"secwatch.filing_event.v1","accession":"0000036104-26-000039","form_type":"8-K","ticker":"USB","cik":"0000036104","company_name":"US BANCORP DE","filed_at":"2026-07-16T10:59:35+00:00","discovered_at":"2026-07-16T11:05:00.281889+00:00","generated_at":"2026-07-16T11:05:13.278985+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"U.S. Bancorp Q2 2026: record revenue $7.7B, EPS $1.35 (+22% YoY), NIM expands 13bps","bullets":["Record net revenue of $7,712M; net income $2,177M; diluted EPS $1.35, up 22% YoY.","Net interest margin 2.79% (+13bps YoY); efficiency ratio 57.1% improved from 59.2% YoY.","Average loans +7.1% YoY to $405.5B; average deposits +2.4% YoY to $515.1B.","Completed BTIG acquisition; contributed ~$98M fee revenue and $84M noninterest expense.","CET1 ratio 10.8%; net charge-off ratio 0.53% vs 0.59% a year ago."],"urls":{"canonical":"https://secwatch.observer/filing/0000036104-26-000039","json":"https://secwatch.observer/filing/0000036104-26-000039.json","markdown":"https://secwatch.observer/filing/0000036104-26-000039.md","text":"https://secwatch.observer/filing/0000036104-26-000039.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36104/000003610426000039/0000036104-26-000039-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36104/000003610426000039/usb-20260716.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-16T11:05:13.278985+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"}