[8-K] US BANCORP \DE\ Reports Material Event

Rhea-AI Filing Summary

U.S. Bancorp reported that it issued a press release with financial results for the quarter ended September 30, 2025, and made an earnings supplement and conference call presentation available.

The press release is treated as filed under the Exchange Act, while the earnings supplement and presentation are furnished. The company will host an investor call and webcast to discuss the third‑quarter results. Each item includes forward‑looking statements with accompanying cautionary language.

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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): October 16, 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 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

On October 16, 2025, U.S. Bancorp (the “Company”) issued a press release reporting financial results for the quarter ended September 30, 2025. The press release is attached as Exhibit 99.1 hereto and is incorporated herein by reference. The press release contains forward-looking statements regarding the Company and includes a cautionary statement identifying important factors that could cause actual results to differ materially from those anticipated. The Company has also made available on its website materials that contain additional information about the Company’s financial results for the quarter ended September 30, 2025 (the “3Q25 Earnings Supplement”), which is attached as Exhibit 99.2 hereto and is incorporated herein by reference.

The information included in Exhibit 99.1 shall be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”). The information included in Exhibit 99.2 is being furnished and shall not be deemed “filed” for the purposes of Section 18 of the Exchange Act and shall not be deemed incorporated by reference in any filings under the Securities Act of 1933, as amended (the “Securities Act”), except as otherwise expressly stated in such filing.

ITEM 7.01 REGULATION FD DISCLOSURE.

On October 16, 2025, the Company will hold an investor conference call and webcast to discuss financial results for the quarter ended September 30, 2025. The Company has also made available on its website presentation materials containing certain additional historical and forward-looking information related to the Company (the “3Q25 Earnings Conference Call Presentation”). The 3Q25 Earnings Conference Call Presentation is attached as Exhibit 99.3 and is incorporated herein by reference. The 3Q25 Earnings Conference Call Presentation contains forward-looking statements regarding the Company and includes a cautionary statement identifying important factors that could cause actual results to differ materially from those anticipated.

The information provided in Item 7.01 of this report, including Exhibit 99.3, is being furnished and shall not be deemed “filed” for the purposes of Section 18 of the Exchange Act and shall not be deemed incorporated by reference in any filings under the Securities Act, except as otherwise expressly stated in such filing.

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS.

(d) Exhibits.

99.1 Press Release issued by U.S. Bancorp on October 16, 2025, deemed “filed” under the Exchange Act.

99.2 3Q25 Earnings Supplement, deemed “furnished” under the Exchange Act.

99.3 3Q25 Earnings Conference Call Presentation, deemed “furnished” under the Exchange Act.

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/ Lisa R. Stark

Lisa R. Stark

Executive Vice President and

Controller

DATE: October 16, 2025

FAQ

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

The company issued a press release reporting financial results for the quarter ended September 30, 2025, and provided related presentation materials.

Which period do the results cover for U.S. Bancorp (USB)?

The results cover the quarter ended September 30, 2025.

What exhibits accompany the disclosure for USB?

A press release (Exhibit 99.1), a 3Q25 earnings supplement (Exhibit 99.2), and a 3Q25 conference call presentation (Exhibit 99.3).

Which USB materials are filed versus furnished?

The press release (Exhibit 99.1) is filed; the earnings supplement (Exhibit 99.2) and the presentation (Exhibit 99.3) are furnished.

Is U.S. Bancorp holding an investor call for Q3 2025?

Yes. The company will hold an investor conference call and webcast to discuss the quarter ended September 30, 2025.

Do the materials include forward-looking statements?

Yes. They include forward-looking statements and a cautionary statement about factors that could cause actual results to differ materially.