Provision for Credit Losses
U.S. Bancorp Provision for Credit Losses increased by 1.1% to $577.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 3.0%, from $560.00M to $577.00M. Over 4 years (FY 2021 to FY 2025), Provision for Credit Losses shows an upward trend with a 16.8% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
How to read this metric
An increase suggests deteriorating credit quality or portfolio growth, while a decrease may indicate improved borrower health or more conservative lending.
Detailed definition
This is an expense set aside to cover expected future losses on loans and credit card receivables. It reflects managemen...
Peer comparison
Standard for all lenders and credit card issuers.
is_provision_for_credit_lossesHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | -$170.00M | -$163.00M | -$13.00M | $112.00M | $311.00M | $362.00M | $1.19B | $427.00M | $821.00M | $515.00M | $512.00M | $553.00M | $568.00M | $557.00M | $560.00M | $537.00M | $501.00M | $571.00M | $577.00M |
| QoQ Change | — | +4.1% | +92.0% | +961.5% | +177.7% | +16.4% | +229.3% | -64.2% | +92.3% | -37.3% | -0.6% | +8.0% | +2.7% | -1.9% | +0.5% | -4.1% | -6.7% | +14.0% | +1.1% |
| YoY Change | — | — | — | — | +282.9% | +322.1% | >999% | +281.3% | +164.0% | +42.3% | -57.0% | +29.5% | -30.8% | +8.2% | +9.4% | -2.9% | -11.8% | +2.5% | +3.0% |
Business Segments
| Segment | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 |
|---|---|---|---|---|---|---|---|---|
| Payment Services | $359.00M | $388.00M | $404.00M | $463.00M | $317.00M | $384.00M | $408.00M | $461.00M |
| Wealth Corporate Commercial And Institutional Banking | $138.00M | $100.00M | $94.00M | $53.00M | $10.00M | $183.00M | $197.00M | $156.00M |
| Consumer And Business Banking | $55.00M | $30.00M | $18.00M | $79.00M | $62.00M | $39.00M | $61.00M | $76.00M |
| Treasury And Corporate Support | $1.00M | $50.00M | $41.00M | — | $148.00M | — | — | — |
| Total | $553.00M | $568.00M | $557.00M | $560.00M | $537.00M | $501.00M | $571.00M | $577.00M |
Consolidated Company, Corporate And Commercial Banking, Payments Services, Treasury And Corporate Support, Wealth Management And Investment Services were previously reported and have since been discontinued or reclassified. Only currently active segments are shown in the chart.
Provision for Credit Losses at Other Companies
Frequently Asked Questions
- What is U.S. Bancorp's provision for credit losses?
- U.S. Bancorp (USB) reported provision for credit losses of $577.00M in Q4 2025.
- How has U.S. Bancorp's provision for credit losses changed year-over-year?
- U.S. Bancorp's provision for credit losses increased by 3.0% year-over-year, from $560.00M to $577.00M.
- What is the long-term trend for U.S. Bancorp's provision for credit losses?
- Over 4 years (2021 to 2025), U.S. Bancorp's provision for credit losses has grown at a 16.8% compound annual growth rate (CAGR), from -$1.17B to $2.19B.
- What does provision for credit losses mean?
- The amount of money set aside to cover potential losses from unpaid loans.