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U.S. Bancorp USB Consumer and Business Banking — Provision for Credit Losses

Other segment segments

Payment Services
$385M+0.3%
Wealth, Corporate, Commercial and Institutional Banking
$129M-27.5%

Similar metrics at other companies

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$1.51M-0.6%
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$3.4M+29.9%
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WFCConsumer Banking and Lending — Provision for Credit Losses
$945M0.0%
JPMorgan Chase logo
JPMConsumer & Community Banking — Provision for Credit Losses
$2.16B+3.6%
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NEWTBanking — Provision for Credit Losses
$9.61M-28.9%
Washington Trust Bancorp logo
WASHBanking — Provision for Credit Losses
$1.6M+167%

Other financials

Income statement

See full
Revenue$7.7B+10.2%
Net income$2.2B+19.9%
EPS (diluted)$1.35+21.6%

Balance sheet

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Cash & equivalents$66.5B+15.0%
Total debt$96.0B+21.4%
Total equity$67.4B+9.8%
Total assets$725.92B+5.8%

Cash flow

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Operating cash flow$4.8B+152%

Valuation

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Market cap$100.02B+44.5%
Enterprise value$129.54B+43.2%
P/E12.3×+2.2×
P/S3.4×+0.9×

Profitability

See full
Net margin27.6%+2.7pp

Returns & leverage

See full
Return on equity12.7%+1.0pp
Debt / equity1.4×+0.1×

Where this comes from

Reported directly by U.S. Bancorp in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForLoanLeaseAndOtherLosses.

The source filing: U.S. Bancorp’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 4:17 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000036104-26-000044
(Dollars in Millions)Wealth, Corporate, Commercial and Institutional Banking / 2026Wealth, Corporate, Commercial and Institutional Banking / 2025Consumer and Business Banking / 2026Consumer and Business Banking / 2025Payment Services / 2026Payment Services / 2025Treasury and Corporate Support / 2026Treasury and Corporate Support / 2025Consolidated Company / 2026Consolidated Company / 2025
Other direct expenses(e)2812463453423482436556261,6291,457
Total noninterest expense1,6021,4771,5101,5171,1271,0161891714,4284,181
Income (loss) before provision and income taxes2,1691,743863859685698(433)(477)3,2842,823
Provision for credit losses1291787837385384(54)(98)538501
Income (loss) before income taxes2,0401,565785822300314(379)(379)2,7462,322
Income taxes and taxable-equivalent adjustment5103911962067579(218)(175)563501
Net income (loss)1,5301,174589616225235(161)(204)2,1831,821
Net (income) loss attributable to noncontrolling interests(6)(6)(6)(6)

Item 1. )

FAQ

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 $78M in Q2 2026.
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 increased by 110.8% year-over-year, from $37M to $78M.
What is the long-term trend for U.S. Bancorp's consumer and business banking — provision for credit losses?
Over 4 years (2021 to 2025), U.S. Bancorp's consumer and business banking — provision for credit losses has grown at a 14.8% compound annual growth rate (CAGR), from -$136M to $236M.
What does consumer and business banking — provision for credit losses mean?
An expense charged to the income statement to maintain the allowance for loan and lease losses at a level considered adequate to cover estimated credit losses. It reflects management's assessment of the credit quality and risk profile of the segment's loan portfolio.

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