U.S. Bancorp Financing Receivable, Allowance For Credit Loss And Off-Balance Sheet, Credit Loss, Liability, Excluding Accrued Interest increased by 0.6% to $7.95B in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 0.3%, from $7.93B to $7.95B. Over 5 years (FY 2020 to FY 2025), Financing Receivable, Allowance For Credit Loss And Off-Balance Sheet, Credit Loss, Liability, Excluding Accrued Interest shows relatively stable performance with a -0.2% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
An increase suggests management expects deteriorating credit conditions or is growing riskier segments, while a decrease suggests improving credit quality or portfolio runoff.
This represents the total reserve established to cover expected credit losses for both on-balance sheet loans and off-ba...
Standard CECL-compliant metric for all US banks; peers report this as the Allowance for Credit Losses (ACL).
other_financing_receivable_allowance_for_credit_loss_and_6d79d2| Q4 '21 | 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 | $6.16B | $7.40B | $7.52B | $7.70B | $7.79B | $7.84B | $7.90B | $7.93B | $7.93B | $7.93B | $7.92B | $7.86B | $7.90B | $7.95B |
| QoQ Change | — | +20.3% | +1.6% | +2.3% | +1.2% | +0.6% | +0.8% | +0.4% | -0.1% | -0.0% | -0.1% | -0.7% | +0.4% | +0.6% |
| YoY Change | — | +20.3% | — | — | — | +5.9% | +5.1% | +3.1% | +1.8% | +1.1% | +0.1% | -0.9% | -0.4% | +0.3% |