U.S. Bancorp Carrying value of unfunded commitments, deferred non-yield related loan fees and standby letters of credit increased by 0.8% to $377.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 0.3%, from $376.00M to $377.00M. Over 5 years (FY 2020 to FY 2025), Carrying value of unfunded commitments, deferred non-yield related loan fees and standby letters of credit shows a downward trend with a -13.4% CAGR.
An increase indicates higher potential future credit exposure and liquidity requirements, while a decrease may signal reduced lending activity or tighter credit standards.
This represents the carrying value of off-balance sheet obligations, including unfunded loan commitments and standby let...
Commonly found in bank regulatory filings and footnotes; used to calculate total credit risk exposure.
other_unfunded_commitments_deferred_non_yield_related_lo_cae078| 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 | $656.00M | $577.00M | $495.00M | $504.00M | $486.00M | $499.00M | $498.00M | $536.00M | $564.00M | $604.00M | $489.00M | $420.00M | $416.00M | $399.00M | $376.00M | $360.00M | $358.00M | $374.00M | $377.00M |
| QoQ Change | — | -12.0% | -14.2% | +1.8% | -3.6% | +2.7% | -0.2% | +7.6% | +5.2% | +7.1% | -19.0% | -14.1% | -1.0% | -4.1% | -5.8% | -4.3% | -0.6% | +4.5% | +0.8% |
| YoY Change | — | — | — | — | -25.9% | -13.5% | +0.6% | +6.3% | +16.0% | +21.0% | -1.8% | -21.6% | -26.2% | -33.9% | -23.1% | -14.3% | -13.9% | -6.3% | +0.3% |