Discontinued — last reported Q3 '23
Allowance for credit losses
U.S. Bancorp Allowance for credit losses increased by 0.6% to $7.61B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 0.3%, from $7.58B to $7.61B. Over 3 years (FY 2022 to FY 2025), Allowance for credit losses shows relatively stable performance with a 3.1% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
How to read this metric
An increase often signals management's expectation of deteriorating credit quality or economic headwinds, while a decrease may suggest improved borrower health.
Detailed definition
A contra-asset account representing the bank's estimate of uncollectible amounts within its loan portfolio. This reserve...
Peer comparison
Required by accounting standards (e.g., CECL or IFRS 9) for all banks; essential for comparing risk-adjusted performance.
bank_allowance_for_credit_lossesHistorical Data
| Q4 '22 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Value | $6.94B | $7.38B | $7.51B | $7.55B | $7.56B | $7.58B | $7.58B | $7.54B | $7.56B | $7.61B |
| QoQ Change | — | +6.4% | +1.8% | +0.5% | +0.1% | +0.3% | +0.0% | -0.6% | +0.3% | +0.6% |
| YoY Change | — | +6.4% | — | — | — | +2.8% | +0.9% | -0.2% | -0.0% | +0.3% |
Allowance for credit losses at Other Companies
Frequently Asked Questions
- What is U.S. Bancorp's allowance for credit losses?
- U.S. Bancorp (USB) reported allowance for credit losses of $7.61B in Q4 2025.
- How has U.S. Bancorp's allowance for credit losses changed year-over-year?
- U.S. Bancorp's allowance for credit losses increased by 0.3% year-over-year, from $7.58B to $7.61B.
- What is the long-term trend for U.S. Bancorp's allowance for credit losses?
- Over 3 years (2022 to 2025), U.S. Bancorp's allowance for credit losses has grown at a 3.1% compound annual growth rate (CAGR), from $6.94B to $7.61B.
- What does allowance for credit losses mean?
- The amount of money the bank has set aside to cover potential losses from loans that may not be repaid.