What is U.S. Bancorp's unused credit available?

U.S. Bancorp (USB) reported unused credit available of $416M in Q1 2026.

How has U.S. Bancorp's unused credit available changed year-over-year?

U.S. Bancorp's unused credit available increased by 14.0% year-over-year, from $365M to $416M.

What is the long-term trend for U.S. Bancorp's unused credit available?

Over 2 years (2023 to 2025), U.S. Bancorp's unused credit available has grown at a 20.4% compound annual growth rate (CAGR), from $283M to $410M.

What does unused credit available mean?

The total amount of credit that the bank has promised to lend to borrowers who are currently experiencing financial difficulty.

Other

Unused credit available

U.S. Bancorp Unused credit available increased by 1.5% to $416M in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 14.0%, from $365M to $416M. Over 2 years (FY 2023 to FY 2025), Unused credit available shows an upward trend with a 20.4% 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 reportedQ4 2018

Last reportedQ1 2026May 4, 2026

How to read this metric

An increase indicates higher potential future credit risk and liquidity pressure, while a decrease suggests reduced exposure to distressed borrowers.

Detailed definition

This represents the total amount of undrawn credit facilities or commitments extended to borrowers whose loans have been...

Peer comparison

Large regional and national banks typically disclose these as part of their unfunded commitment and credit risk management notes.

Metric ID: other_loans_and_leases_receivable_impaired_commitment_to_lend

Historical Data

10 periods

	Q4 '23	Q1 '24	Q2 '24	Q3 '24	Q4 '24	Q1 '25	Q2 '25	Q3 '25	Q4 '25	Q1 '26
Value	$283M	$435M	$371M	$437M	$510M	$365M	$438M	$368M	$410M	$416M
QoQ Change	—	+53.7%	-14.7%	+17.8%	+16.7%	-28.4%	+20.0%	-16.0%	+11.4%	+1.5%
YoY Change	—	—	—	—	+80.2%	-16.1%	+18.1%	-15.8%	-19.6%	+14.0%

Range$283M – $510M

CAGR+18.7%

Avg YoY Growth+10.1%

Median YoY Growth-0.9%

Current Streak2 quarters growth

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Frequently Asked Questions

What is U.S. Bancorp's unused credit available?: U.S. Bancorp (USB) reported unused credit available of $416M in Q1 2026.
How has U.S. Bancorp's unused credit available changed year-over-year?: U.S. Bancorp's unused credit available increased by 14.0% year-over-year, from $365M to $416M.
What is the long-term trend for U.S. Bancorp's unused credit available?: Over 2 years (2023 to 2025), U.S. Bancorp's unused credit available has grown at a 20.4% compound annual growth rate (CAGR), from $283M to $410M.
What does unused credit available mean?: The total amount of credit that the bank has promised to lend to borrowers who are currently experiencing financial difficulty.