{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-189190","form_type":"8-K","ticker":"USB","cik":"0000036104","company_name":"US BANCORP DE","filed_at":"2023-07-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.331375+00:00","generated_at":"2026-06-13T06:36:49.967878+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"USB Q2 2023 net income falls to $1.36B ($0.84 EPS) from $1.53B YoY; NIM up to 2.90%","bullets":["Net income $1.361B, diluted EPS $0.84, down from $0.99 YoY; ROAA 0.81% vs 1.06%.","Net interest income (taxable-equiv) $4.449B, up 28% YoY; NIM 2.90% vs 2.59%.","Average loans $388.8B (+20% YoY), deposits $497.3B (+9% YoY); net charge-off ratio 0.67% vs 0.20%.","CET1 ratio (standardized) 9.1% vs 9.7% YoY; tangible common equity return 17.1% vs 18.6%.","Dividend declared $0.48 per share, unchanged from prior quarter, up from $0.46 YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-189190","json":"https://secwatch.observer/filing/0001193125-23-189190.json","markdown":"https://secwatch.observer/filing/0001193125-23-189190.md","text":"https://secwatch.observer/filing/0001193125-23-189190.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36104/000119312523189190/0001193125-23-189190-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36104/000119312523189190/d513385d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T06:36:49.967878+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":"c61819d2e1646136bb26a9267bfa37a1f11b4870","claim":"US BANCORP DE reported financial results for quarter-ended June 30, 2023.","evidence_excerpt":"On July 19, 2023, U.S. Bancorp (the “Company”) issued a press release reporting quarter-ended June 30, 2023 results","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/36104/000119312523189190/0001193125-23-189190-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"quarter-ended June 30, 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"}