{"schema_version":"secwatch.filing_event.v1","accession":"0000036104-26-000054","form_type":"8-K","ticker":"USB","cik":"0000036104","company_name":"US BANCORP DE","filed_at":"2026-10-15T10:59:47+00:00","discovered_at":"2026-10-15T11:05:00.392653+00:00","generated_at":"2026-10-15T11:05:49.407081+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"U.S. Bancorp 3Q26: diluted EPS $1.34 (+9.8% YoY), record revenue $7.97B, net income $2.20B","bullets":["Record net revenue of $7,970M; net interest income $4,490M (+5.6% YoY) and fee revenue up 14.9% YoY, driving 240 bps positive operating leverage.","Net income of $2,202M, up 10.0% YoY; diluted EPS $1.34 vs $1.22; efficiency ratio improved to 55.9% and ROA was 1.25%.","Net interest margin 2.84%, up 9 bps YoY; CET1 ratio 10.8%; average total loans +8.0% YoY to $409.5B and deposits +2.9% to $526.6B.","Quarterly common dividend raised to $0.54 per share from $0.52; net charge-off ratio improved to 0.51% from 0.56%, provision $654M vs $571M.","Capital markets revenue jumped to $640M from $378M a year ago; trust and investment management fees $802M vs $730M."],"urls":{"canonical":"https://secwatch.observer/filing/0000036104-26-000054","json":"https://secwatch.observer/filing/0000036104-26-000054.json","markdown":"https://secwatch.observer/filing/0000036104-26-000054.md","text":"https://secwatch.observer/filing/0000036104-26-000054.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36104/000003610426000054/0000036104-26-000054-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36104/000003610426000054/usb-20261015.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-15T11:05:49.407081+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"}