{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-217564","form_type":"8-K","ticker":"USB","cik":"0000036104","company_name":"US BANCORP DE","filed_at":"2024-09-12T23:59:59+00:00","discovered_at":"2026-05-14T18:03:15.522273+00:00","generated_at":"2026-05-31T05:20:16.717462+00:00","sec_items":["7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"U.S. Bancorp sets medium-term targets: ROA 0.9-1.1%, ROTCE 14-17%","bullets":["Medium-term ROTCE target of 14-17% and ROA target of 0.9-1.1% (non-GAAP).","Fee income growth target of mid-single digits annually; efficiency ratio target ~55-57%.","Digital engagement: core consumer digital active users up 2x since 2019; mobile app sales 6x.","Credit quality: NCOs expected through-the-cycle 35-55 bps; office reserves at 5% of loans."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-217564","json":"https://secwatch.observer/filing/0001193125-24-217564.json","markdown":"https://secwatch.observer/filing/0001193125-24-217564.md","text":"https://secwatch.observer/filing/0001193125-24-217564.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36104/000119312524217564/0001193125-24-217564-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36104/000119312524217564/d875032d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T05:20:16.717462+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"}