The company said its efficiency ratio was 57.2% in Q3 2025, compared with 59.2% in Q2 2025 and 60.2% in Q3 2024, and its return on tangible common equity was 18.6% in Q3.

8-KRegulation FD DisclosureFiled Nov 6, 2025Period of report Nov 6, 2025Summary published (UTC) Oct 24, 2026

Key points

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The company said its efficiency ratio was 57.2% in Q3 2025, compared with 59.2% in Q2 2025 and 60.2% in Q3 2024, and its return on tangible common equity was 18.6% in Q3.
The company said noninterest income, excluding securities gains (losses), rose 9.5% year over year in Q3 2025, and its operating leverage (YoY) for Q3 was 530 basis points.
U.S. Bancorp said its Q3 2025 CET1 capital ratio was 10.9%, compared with 10.7% in Q2 and 10.5% in Q3 2024, and its AOCI-inclusive ratio was 9.2%. The company also set its CET1 medium-term target at about 10%.

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Analysis scope · Filing body and confirmed press-release exhibitWe analyzed the filing body and confirmed exhibits. This is not a review of other exhibits, investor presentations or the full earnings call. Some paragraphs were omitted because their support in the source could not be confirmed.

Efficiency Ratio and Return on Tangible Common Equity in Q3 2025

The company said its efficiency ratio was 57.2% in Q3 2025, compared with 59.2% in Q2 2025 and 60.2% in Q3 2024, and its return on tangible common equity was 18.6% in Q3.

Source · Based on the filing body and exhibits

Fee Income Growth and Operating Leverage in Q3

The company said noninterest income, excluding securities gains (losses), rose 9.5% year over year in Q3 2025, and its operating leverage (YoY) for Q3 was 530 basis points.

Source · Based on the filing body and exhibits

CET1 Capital Ratio

U.S. Bancorp said its Q3 2025 CET1 capital ratio was 10.9%, compared with 10.7% in Q2 and 10.5% in Q3 2024, and its AOCI-inclusive ratio was 9.2%. The company also set its CET1 medium-term target at about 10%.

Source · Based on the filing body and exhibits

AI summarized the filing and translated the summary into English; it may differ from the original. For reference only, not investment advice. AI translated the published Korean report into English. Figures are copied as filed, not recalculated.

Original filing

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