Other
Loans modified after 12 months
U.S. Bancorp Loans modified after 12 months increased by 6.4% to $3.46B in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 9.8%, from $3.84B to $3.46B. Over 2 years (FY 2023 to FY 2025), Loans modified after 12 months shows an upward trend with a 7.1% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementBalance Sheet Statement
SectionOther
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ1 2023
Last reportedQ3 2025
How to read this metric
An increase may indicate rising credit stress in the long-term loan portfolio, while a decrease suggests improved borrower stability.
Detailed definition
Represents the total amortized cost of financing receivables that have undergone a formal modification or restructuring...
Peer comparison
Commonly reported by large custody and commercial banks as part of credit quality disclosures.
Metric ID:
other_financing_receivable_excluding_accrued_interest_mo_1faa0fHistorical Data
12 periods
| 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 | $717.00M | $1.37B | $2.30B | $3.02B | $3.66B | $4.17B | $4.03B | $3.84B | $3.60B | $3.59B | $3.25B | $3.46B |
| QoQ Change | — | +90.8% | +68.1% | +31.3% | +21.4% | +13.8% | -3.4% | -4.7% | -6.3% | -0.2% | -9.3% | +6.4% |
| YoY Change | — | — | — | — | +411.0% | +204.7% | +75.2% | +27.1% | -1.9% | -13.9% | -19.2% | -9.8% |
Range$717.00M – $4.17B
CAGR+77.2%
Avg YoY Growth+84.1%
Median YoY Growth+12.6%
Loans modified after 12 months at Other Companies
Frequently Asked Questions
- What is U.S. Bancorp's loans modified after 12 months?
- U.S. Bancorp (USB) reported loans modified after 12 months of $3.46B in Q4 2025.
- How has U.S. Bancorp's loans modified after 12 months changed year-over-year?
- U.S. Bancorp's loans modified after 12 months decreased by 9.8% year-over-year, from $3.84B to $3.46B.
- What is the long-term trend for U.S. Bancorp's loans modified after 12 months?
- Over 2 years (2023 to 2025), U.S. Bancorp's loans modified after 12 months has grown at a 7.1% compound annual growth rate (CAGR), from $3.02B to $3.46B.
- What does loans modified after 12 months mean?
- The value of loans that were restructured or modified more than one year after origination.