{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-105633","form_type":"8-K","ticker":"USB","cik":"0000036104","company_name":"US BANCORP DE","filed_at":"2023-04-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:41.824519+00:00","generated_at":"2026-06-16T23:58:21.414541+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"USB Q1 net income $1.70B, EPS $1.04, NIM rises to 3.10%","bullets":["Diluted EPS $1.04 vs $0.99 YoY; net income $1,698M up 9% from $1,557M.","Net interest income (tax-equivalent) $4,668M vs $3,200M YoY, NIM 3.10% vs 2.44%.","Average loans $386.8B up 24% YoY; average deposits $510.3B up 12%.","Return on average common equity 14.1% vs 12.7% YoY; efficiency ratio 63.2% vs 62.8%.","CET1 ratio 8.5% vs 9.8% YoY; net charge-off ratio 0.39% vs 0.21%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-105633","json":"https://secwatch.observer/filing/0001193125-23-105633.json","markdown":"https://secwatch.observer/filing/0001193125-23-105633.md","text":"https://secwatch.observer/filing/0001193125-23-105633.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36104/000119312523105633/0001193125-23-105633-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36104/000119312523105633/d496669d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T23:58:21.414541+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":"69c2541552d0d76bf80666e11338d904c8939b26","claim":"US BANCORP DE reported financial results for quarter-ended March 31, 2023.","evidence_excerpt":"On April 19, 2023, U.S. Bancorp (the “Company”) issued a press release reporting quarter-ended March 31, 2023 results, and posted on its website its 1Q23 Earnings Conference Call Presentation, which contains certain additional historical and forward-looking information relating to the Company.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/36104/000119312523105633/0001193125-23-105633-index.htm","confidence":0.7,"family_label":"Earnings Releases","details":[{"label":"Period","value":"quarter-ended March 31, 2023"},{"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"}