Welcome to our dedicated page for Us Bancorp SEC filings (Ticker: USB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The U.S. Bancorp (USB) SEC filings page on Stock Titan brings together the company’s regulatory disclosures from the U.S. Securities and Exchange Commission, with AI-powered tools to help interpret them. As a large financial services holding company and parent of U.S. Bank National Association, U.S. Bancorp files a range of documents that shed light on its capital structure, risk profile, earnings, regulatory environment and strategic actions.
Key filings for U.S. Bancorp include annual reports on Form 10-K and quarterly reports on Form 10-Q, which provide detail on its diversified mix of consumer banking, business banking, commercial banking, institutional banking, payments and wealth management activities. These reports also discuss credit quality, funding, capital ratios and other factors relevant to a major banking organization. Stock Titan’s AI summaries can help readers navigate lengthy disclosures by highlighting segment information, risk factors and notable changes from prior periods.
Current reports on Form 8-K are especially important for tracking material events. Recent 8-K filings describe, for example, U.S. Bancorp’s agreement and plan of merger to acquire the parent of BTIG, including the structure of cash and stock consideration and the use of an exemption from registration for the shares to be issued. Other 8-Ks discuss topics such as quarterly financial results, stress capital buffer notifications from the Federal Reserve and planned capital actions, including changes to the common stock dividend.
U.S. Bancorp also has multiple classes of securities registered under Section 12(b) of the Exchange Act, including its common stock, several series of non-cumulative perpetual preferred stock represented by depositary shares, and senior notes. Filings related to these instruments, along with Forms 3, 4 and 5 for insider transactions, provide additional insight into ownership and capital structure. On Stock Titan, real-time updates from EDGAR and AI-generated explanations make it easier to locate specific documents, understand Form 4 insider trading reports, and interpret complex sections of 10-K and 10-Q filings without reading every page.
U.S. Bancorp is offering senior unsecured medium-term notes that pay a fixed interest rate of 5.50% per annum and are expected to mature on February 11, 2046, unless called earlier. Investors receive interest monthly, paid in arrears on the 11th day of each month, starting March 11, 2026.
The notes are callable at U.S. Bancorp’s option, in whole but not in part, on the 11th day of each month from February 11, 2027 through January 11, 2046 at 100% of principal plus accrued interest. The issue price is 100% of principal amount, with selling commissions up to $30 per $1,000 note, and certain institutional or fee-based accounts may pay between $970 and $1,000 per $1,000 note.
The notes rank as senior unsecured debt of U.S. Bancorp, are not FDIC insured, and all payments depend on the company’s creditworthiness. They will not be listed on any securities exchange, and the documents caution that a secondary market may be limited, that early redemption could force reinvestment at lower rates, and that potential conflicts of interest exist because an affiliate, U.S. Bancorp Investments, Inc., acts as agent, market maker, and hedging counterparty.
U.S. Bancorp is offering senior unsecured medium-term notes that pay a fixed interest rate of 5.40% per annum, maturing on February 11, 2042, unless redeemed earlier. Interest is paid annually on February 11, beginning in 2027, using a 30/360 day-count convention.
The notes are callable at U.S. Bancorp’s option at par plus accrued interest on February 11, May 11, August 11 and November 11 of each year, starting February 11, 2028 and ending November 11, 2041. Investors face reinvestment risk if the notes are redeemed early, potential price declines from interest rate or credit spread changes, and limited or no secondary market liquidity.
The notes rank as U.S. Bancorp’s senior unsecured debt and are subject to its credit risk. They are not bank deposits and are not insured by the FDIC or any government agency. U.S. Bancorp Investments, Inc., an affiliate and FINRA member, will distribute the notes and may earn selling commissions of up to $20 per $1,000 principal amount, creating a disclosed conflict of interest.
U.S. Bancorp is offering senior unsecured medium-term notes with a fixed interest rate of 5.60% per year and a final maturity expected on February 13, 2046. The notes pay annual interest on February 13, starting in 2027, using a 30/360 day-count convention.
The notes are callable at U.S. Bancorp’s option at par plus accrued interest on February 13, May 13, August 13 and November 13 of each year from February 13, 2029 through November 13, 2045. They are issued in $1,000 minimum denominations, are not FDIC insured, will not be listed on any exchange, and all payments depend on U.S. Bancorp’s credit. U.S. Bancorp Investments, Inc. will distribute the notes and may receive selling commissions of up to $30 per $1,000 principal amount.
U.S. Bancorp is offering senior unsecured medium-term notes that pay a fixed interest rate of 5.40% per year and are scheduled to mature on February 6, 2046, unless redeemed earlier at the company’s option.
Interest is paid annually on February 6, beginning in 2027, using a 30/360 day-count. Starting February 6, 2029, and on the 6th of February, May, August and November through November 6, 2045, U.S. Bancorp may redeem the notes at 100% of principal plus accrued interest. The notes are not FDIC insured, will not be listed on any exchange, and investors face credit, call, liquidity, and tax-law change risks.
U.S. Bancorp is offering senior unsecured medium-term notes that pay fixed interest of 5.05% per year, with interest payable in arrears each February 11 beginning in 2027, and a scheduled maturity on February 11, 2037, subject to the stated business day and interest accrual conventions.
The notes are callable at U.S. Bancorp’s option, in whole but not in part, on specified quarterly redemption dates from February 11, 2028 through November 11, 2036 at 100% of principal plus accrued interest. They are issued in $1,000 minimum denominations, will not be listed on an exchange, and all payments depend on U.S. Bancorp’s credit.
U.S. Bancorp announced a planned change in board leadership. Andrew Cecere, Chairman of the Board, told the board on January 27, 2026 that he will not stand for re-election when his current term ends at the 2026 Annual Meeting of Shareholders.
The company states his decision is for personal reasons after 40 years of service and is not due to any disagreement about operations, policies, or practices. Gunjan Kedia, currently Chief Executive Officer, President, and a director, has been elected to become Chairman effective upon Mr. Cecere’s retirement from the board on April 21, 2026.
U.S. Bancorp is offering $1,000,000,000 of 5.033% Fixed-to-Floating Rate Senior Notes due January 26, 2037. The notes pay a fixed 5.033% annual interest rate, with semi-annual payments from the issue date to January 26, 2036, then switch to a floating rate of compounded SOFR plus 110.1 basis points with quarterly payments until maturity.
The notes may be redeemed at U.S. Bancorp’s option starting July 25, 2026 at a make-whole redemption price, and at 100% of principal on the reset date or on or after October 26, 2036, in each case plus accrued interest. The price to the public is 100% of principal, generating net proceeds of $997,000,000 after a $3,000,000 selling commission. The notes are unsecured, not deposits, and are not insured by any governmental agency.
U.S. Bancorp is issuing $1,250,000,000 of 4.481% fixed-to-floating rate senior notes due January 26, 2032. The notes pay a fixed interest rate of 4.481% per year, with semi-annual payments on January 26 and July 26 from the issue date to the reset date on January 26, 2031.
After the reset date, interest converts to a floating rate based on Compounded SOFR with an observation period shift, plus a spread of 86.7 basis points, paid quarterly until maturity. The notes are unsecured, are not bank deposits and are not insured by the FDIC or any government agency. U.S. Bancorp may redeem the notes at specified times before maturity, including a make-whole call from July 25, 2026 to the reset date and par redemptions on the reset date and during the final month before maturity.
U.S. Bancorp filed an 8-K to report that it has released its financial results for the quarter ended December 31, 2025. The company issued a press release, attached as Exhibit 99.1, and a 4Q25 Earnings Supplement, attached as Exhibit 99.2, providing additional detail on quarterly performance. It also plans to host an investor conference call and webcast to discuss these results, supported by a 4Q25 Earnings Conference Call Presentation attached as Exhibit 99.3. Certain exhibits are designated as filed or furnished under the Exchange Act, and all materials include forward-looking statements with related cautionary language.
U.S. Bancorp reported that it has signed an Agreement and Plan of Merger to acquire Condor Trading LP (BTIG Parent), making BTIG Parent a subsidiary of the bank. The deal combines upfront cash, stock and performance-based payments, and will close only after required conditions, including regulatory approvals, are satisfied.
The consideration includes