{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-258045","form_type":"8-K","ticker":"USB","cik":"0000036104","company_name":"US BANCORP DE","filed_at":"2023-10-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:31.669214+00:00","generated_at":"2026-06-09T22:06:01.748006+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"U.S. Bancorp Q3 2023 net income $1.523B, EPS $0.91, down from $1.16 YoY","bullets":["Net income $1.523B ($0.91 diluted EPS) vs $1.812B ($1.16) in Q3 2022, a 16% decline.","Net interest income (tax-eq) $4.268B, up 10.7% YoY; noninterest income $2.764B, up 11.9%.","Net interest margin 2.81% vs 2.83% YoY; efficiency ratio deteriorated to 64.4% from 57.5%.","Average loans $376.9B, deposits $512.3B; net charge-off ratio rose to 0.44% from 0.19%.","CET1 ratio held at 9.7%; dividend maintained at $0.48 per common share."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-258045","json":"https://secwatch.observer/filing/0001193125-23-258045.json","markdown":"https://secwatch.observer/filing/0001193125-23-258045.md","text":"https://secwatch.observer/filing/0001193125-23-258045.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36104/000119312523258045/0001193125-23-258045-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36104/000119312523258045/d575514d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T22:06:01.748006+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":"50b794aadcd6ca8c4c6ec702b7e560bc1bf4d886","claim":"US BANCORP DE reported financial results for quarter ended September 30, 2023.","evidence_excerpt":"On October 18, 2023, U.S. Bancorp (the “Company”) issued a press release reporting quarter-ended September 30, 2023 results","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/36104/000119312523258045/0001193125-23-258045-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"quarter ended September 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"}