Consumer And Business Banking — Provision for Credit Losses
U.S. Bancorp Consumer And Business Banking — Provision for Credit Losses increased by 24.6% to $76.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 3.8%, from $79.00M to $76.00M. Over 3 years (FY 2022 to FY 2025), Consumer And Business Banking — Provision for Credit Losses shows relatively stable performance with a 1.4% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
How to read this metric
An increase suggests deteriorating credit quality or a more conservative economic outlook, while a decrease suggests improved borrower health.
Detailed definition
An expense charged to the income statement to maintain the allowance for loan and lease losses at a level considered ade...
Peer comparison
Standard metric across all lending institutions; highly sensitive to macroeconomic cycles.
usb_segment_consumer_and_business_banking_provision_for_credit_lossesHistorical Data
| Q2 '21 | Q3 '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 | -$96.00M | -$25.00M | $49.00M | -$75.00M | $40.00M | $214.00M | $13.00M | $24.00M | $8.00M | $34.00M | $55.00M | $30.00M | $18.00M | $79.00M | $62.00M | $39.00M | $61.00M | $76.00M |
| QoQ Change | — | +74.0% | +296.0% | -253.1% | +153.3% | +435.0% | -93.9% | +84.6% | -66.7% | +325.0% | +61.8% | -45.5% | -40.0% | +338.9% | -21.5% | -37.1% | +56.4% | +24.6% |
| YoY Change | — | — | — | +21.9% | +260.0% | — | -73.5% | +132.0% | -80.0% | -84.1% | +323.1% | +25.0% | +125.0% | +132.4% | +12.7% | +30.0% | +238.9% | -3.8% |
Similar Metrics at Other Companies
Frequently Asked Questions
- What is U.S. Bancorp's consumer and business banking — provision for credit losses?
- U.S. Bancorp (USB) reported consumer and business banking — provision for credit losses of $76.00M in Q4 2025.
- How has U.S. Bancorp's consumer and business banking — provision for credit losses changed year-over-year?
- U.S. Bancorp's consumer and business banking — provision for credit losses decreased by 3.8% year-over-year, from $79.00M to $76.00M.
- What is the long-term trend for U.S. Bancorp's consumer and business banking — provision for credit losses?
- Over 3 years (2022 to 2025), U.S. Bancorp's consumer and business banking — provision for credit losses has grown at a 1.4% compound annual growth rate (CAGR), from $228.00M to $238.00M.
- What does consumer and business banking — provision for credit losses mean?
- The amount set aside to cover potential losses from bad loans.