USB 8-K: Reg FD slides and webcast for Boston analyst event

Rhea-AI Filing Summary

U.S. Bancorp (USB) furnished an 8‑K under Regulation FD announcing that senior leaders will present at the BancAnalysts Association of Boston Conference at 9:50 a.m. Eastern on November 7, 2025.

Presentation slides are attached as Exhibit 99.1 and available via the Investor Relations site under “News & events” > “Webcasts & presentations.” A live audio webcast will be provided at the same location, and a replay will remain posted for one year.

8-K Event Classification

2 items: 7.01, 9.01

2 items

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

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Accepted by SEC EDGAR 11/06/2025 - 04:30 PM Learn about SEC filing dates

FAQ

What did U.S. Bancorp (USB) announce in this 8-K?

U.S. Bancorp furnished a Regulation FD update about a conference presentation, with slides attached as Exhibit 99.1.

When and where is USB’s conference presentation?

It is scheduled for 9:50 a.m. Eastern on November 7, 2025 at the BancAnalysts Association of Boston Conference.

Which U.S. Bancorp executives are presenting?

John Stern (Vice Chair & CFO), Mark Runkel (Vice Chair, Head of Payments: Merchants & Institutional), and Courtney Kelso (SEVP, Head of Payments: Consumer & Small Business).

How can investors access U.S. Bancorp’s slides and webcast?

Through the IR site at ir.usbank.com under “News & events” > “Webcasts & presentations.”

Will a replay be available and for how long?

Yes. A replay of the live audio webcast will be available at the same location for one year.

Is the information considered filed with the SEC?

No. The information, including Exhibit 99.1, is being furnished and is not deemed filed under Section 18 of the Exchange Act.

What other exhibits are included?

The filing includes Exhibit 99.1 (conference slides) and Exhibit 104 (Cover Page Inline XBRL data file).

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): November 6, 2025

U.S. BANCORP

(Exact name of registrant as specified in its charter)

1-6880

(Commission File Number)

Delaware			41-0255900
(State or other jurisdiction of incorporation)			(I.R.S. Employer Identification Number)

800 Nicollet Mall

Minneapolis, Minnesota 55402

(Address of principal executive offices and zip code)

(651) 466-3000

(Registrant’s telephone number, including area code)

(not applicable)

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading symbol			Name of each exchange on which registered
Common Stock, $.01 par value per share			USB			New York Stock Exchange
Depositary Shares (each representing 1/100th interest in a share of Series A Non-Cumulative Perpetual Preferred Stock, par value $1.00)			USB PrA			New York Stock Exchange
Depositary Shares (each representing 1/1,000th interest in a share of Series B Non-Cumulative Perpetual Preferred Stock, par value $1.00)			USB PrH			New York Stock Exchange
Depositary Shares (each representing 1/1,000th interest in a share of Series K Non-Cumulative Perpetual Preferred Stock, par value $1.00)			USB PrP			New York Stock Exchange
Depositary Shares (each representing 1/1,000th interest in a share of Series L Non-Cumulative Perpetual Preferred Stock, par value $1.00)			USB PrQ			New York Stock Exchange
Depositary Shares (each representing 1/1,000th interest in a share of Series M Non-Cumulative Perpetual Preferred Stock, par value $1.00)			USB PrR			New York Stock Exchange
Depositary Shares (each representing 1/1,000th interest in a share of Series O Non-Cumulative Perpetual Preferred Stock, par value $1.00)			USB PrS			New York Stock Exchange
Floating Rate Notes, Series CC (Senior), due May 21, 2028			USB/28			New York Stock Exchange
4.009% Fixed-to-Floating Rate Notes, Series CC (Senior), due May 21, 2032			USB/32			New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule l2b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

☐ Emerging growth company

☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section l3(a) of the Exchange Act.

Item 7.01    Regulation FD Disclosure.

As previously announced, John Stern, U.S. Bancorp’s Vice Chair and Chief Financial Officer, Mark Runkel, U.S. Bancorp’s Vice Chair and Head of Payments: Merchants and Institutional, and Courtney Kelso, U.S. Bancorp’s Senior Executive Vice President and Head of Payments: Consumer and Small Business, will make a presentation at the BancAnalysts Association of Boston Conference in Boston at 9:50 a.m. Eastern time on Friday, November 7, 2025. A copy of the presentation slides, which will be discussed during the presentation, is attached hereto as Exhibit 99.1. These slides can also be accessed by clicking on “News & events” then “Webcasts & presentations” from U.S. Bancorp’s Investor Relations website at ir.usbank.com. A live audio webcast of the presentation can also be accessed at this location on the website, and a replay of the webcast will be available at the same location on the website and will remain posted for one year.

The information in this Current Report on Form 8-K, including Exhibit 99.1 attached hereto, is being furnished and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section. The information in this Current Report on Form 8-K, including Exhibit 99.1 attached hereto, shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended, except as otherwise expressly stated in such filing.

Item 9.01    Financial Statements and Exhibits.

(d) Exhibits.

			99.1			BancAnalysts Association of Boston Conference Slides.
			104			Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

U.S. BANCORP

By:     /s/ James L. Chosy                     

James L. Chosy

Senior Executive Vice President and General Counsel

Date: November 6, 2025