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• Changes in trade policy, including the imposition of tariffs or the impacts of retaliatory tariffs;
Read in the filing ↗ Also in 8-K of Apr 16, 2025, 8-K of Jul 17, 2025, 10-Q of Aug 7, 2025, 8-K of Oct 16, 2025, 10-Q of Nov 5, 2025, 8-K of Jan 20, 2026, 10-K of Feb 23, 2026, 8-K of Apr 16, 2026, 10-Q of May 4, 2026, 8-K of Jul 16, 2026
• Changes in trade policy, including the imposition of tariffs or the impacts of retaliatory tariffs, or the effects of related litigation;
Read in the filing ↗ Also in 8-K of Oct 15, 2026, 10-Q of Nov 5, 2026
The Company’s provision for credit losses for the first quarter of 2025 was $537 million, compared with $560 million in the fourth quarter of 2024 and $553 million in the first quarter of 2024. The first quarter of 2025 provision was $23 million (4.1 percent) lower than the fourth quarter of 2024 and $16 million (2.9 percent) lower than the first quarter of 2024. The decrease in provision expense on a year-over-year basis was primarily driven by improved credit quality and portfolio mix. The decrease in provision expense on a linked quarter basis reflected lower commercial real estate net charge-offs. The Company continues to monitor economic uncertainty related to interest rates, inflationary pressures, including those related to changing tariff policies, and other economic factors that may affect the financial strength of corporate and consumer borrowers.
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The Company’s provision for credit losses for the third quarter of 2025 was $571 million, compared with $501 million in the second quarter of 2025 and $557 million in the third quarter of 2024. The third quarter of 2025 provision was $70 million (14.0 percent) higher than the second quarter of 2025 and $14 million (2.5 percent) higher than the third quarter of 2024. The increase in provision expense on a year-over-year basis was primarily driven by portfolio growth. The increase on a linked quarter basis was attributed to portfolio growth as well as the effect of loan sales in the second quarter of 2025. The Company continues to monitor economic uncertainty related to interest rates, inflationary pressures, including those related to changing tariff policies, the government shutdown, and other economic factors that may affect the financial strength of corporate and consumer borrowers.
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The allowance for credit losses was $7.9 billion at both June 30, 2025 and December 31, 2024. The $63 million (0.8 percent) decrease in the allowance for credit losses at June 30, 2025, compared with December 31, 2024, was primarily driven by the impact of loan portfolio sales during the second quarter of 2025, along with improved credit quality and portfolio mix. The Company continued to monitor economic uncertainty related to interest rates, inflationary pressures, including those related to changing tariff policies, and other economic factors that may affect the financial strength of corporate and consumer borrowers. The Company also continued to monitor the commercial real estate office portfolio and maintained an allowance to loan coverage ratio of approximately 11 percent at June 30, 2025. In addition to these broad economic factors, the Company considered various factors for determining its expected loss estimates, including customer specific information impacting changes in risk ratings, projected delinquencies and the impact of economic deterioration on selected borrowers’ liquidity and ability to repay.
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The allowance for credit losses was $7.9 billion at both September 30, 2025 and December 31, 2024. The $28 million (0.4 percent) decrease in the allowance for credit losses at September 30, 2025, compared with December 31, 2024, was primarily driven by the impact of loan sales during the second quarter of 2025, along with improved credit quality and portfolio mix. The Company continued to monitor economic uncertainty related to interest rates, inflationary pressures, including those related to changing tariff policies, the government shutdown and other economic factors that may affect the financial strength of corporate and consumer borrowers. The Company also continued to monitor the commercial real estate office portfolio and reflected an allowance to loan coverage ratio of approximately 10 percent at September 30, 2025. In addition to these broad economic factors, the Company considered various factors for determining its expected loss estimates, including customer specific information impacting changes in risk ratings, projected delinquencies and the impact of economic deterioration on selected borrowers’ liquidity and ability to repay.
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The Company’s provision for credit losses for the second quarter of 2025 was $501 million, compared with $537 million in the first quarter of 2025 and $568 million in the second quarter of 2024. The second quarter of 2025 provision was $36 million (6.7 percent) lower than the first quarter of 2025 and $67 million (11.8 percent) lower than the second quarter of 2024. The decrease in provision expense on a year-over-year basis was primarily driven by the impact of loan portfolio sales during the second quarter of 2025 and improved credit quality. The decrease in provision expense on a linked quarter basis was primarily driven by the impact of loan portfolio sales during the second quarter of 2025 and improved credit quality, partially offset by higher commercial real estate net charge-offs. The Company continues to monitor economic uncertainty related to interest rates, inflationary pressures, including those related to changing tariff policies, and other economic factors that may affect the financial strength of corporate and consumer borrowers.
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… Bancorp’s ability to address or satisfy those requirements and other requirements or conditions imposed by regulatory entities; changes in trade policy, including the imposition of tariffs or the impacts of retaliatory tariffs; changes in interest rates; increases in unemployment rates; deterioration in the credit quality of U.S. Bancorp’s loan portfolios or in the value of the collateral …
Read in the filing ↗ Also in 8-K of Apr 16, 2025, 8-K of Jul 17, 2025
… Bancorp’s ability to address or satisfy those requirements and other requirements or conditions imposed by regulatory entities ; changes in trade policy, including the imposition of tariffs or the impacts of retaliatory tariffs , or the effects of related litigation ; changes in interest rates ; increases in unemployment rates ; deterioration in the credit quality of U.S . Bancorp’s loan portfolios or …
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… Bancorp’s ability to address or satisfy those requirements and other requirements or conditions imposed by regulatory entities; changes in trade policy, including the imposition of tariffs or the impacts of retaliatory tariffs; changes in interest rates; increases in unemployment rates; deterioration in the credit quality of U.S. Bancorp’s loan portfolios or in the value of the collateral …
Read in the filing ↗ Also in 8-K of Jan 20, 2026, 8-K of Jul 16, 2026, 8-K of Oct 15, 2026, 8-K of Apr 16, 2026