Data source: CET1 ratio sourced from FDIC Call Reports (bank-subsidiary level). Published figures from investor relations may differ by 1–2pp as those reflect the bank holding company level. For precise regulatory CET1 figures, refer to each bank's quarterly earnings release.

U.S. Bancorp

USB

US · USRegulated by OCCLatest: 2025-Q4

3LOW

CET1 Ratio

13.02%-0.36pp QoQ

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$471.4B

+3.37% QoQ growth

Total Loan Book

$386.3B

+3.1% YoY growth

Leverage Ratio

9.38%

Tier 1 / Average assets

CET1 Ratio Trend

8 quarters · regulatory minimum 8% · scoring threshold 12%

RWA Growth

Bars = total ($B) · Line = QoQ growth %

Loan Book Composition

Latest quarter · 2025-Q4

Comm. Real Estate46.6%

Consumer13.3%

SME / C&I22.1%

Other18.0%

Metric History

8 quarters · FDIC Call Report data

Quarter	CET1 %	Leverage %	RWA	Loan Book	Loans YoY	RWA QoQ	CRE %	Consumer %	SME %	SRT Score
2025-Q4latest	13.02%	9.38%	$471.4B	$386.3B	+3.1%	+3.37%	46.6%	13.3%	22.1%	3
2025-Q3	13.38%	9.34%	$456.0B	$377.5B	+2.1%	+0.88%	47.2%	13.2%	22.3%	—
2025-Q2	13.34%	9.35%	$452.1B	$375.0B	+1.0%	+2.17%	47.3%	13.2%	22.5%	—
2025-Q1	13.53%	9.33%	$442.5B	$376.0B	—	-0.22%	48.1%	13.3%	22.2%	—
2024-Q4	13.50%	9.28%	$443.4B	$374.8B	—	+0.89%	48.5%	14.0%	25.2%	—
2024-Q3	13.55%	9.34%	$439.5B	$369.8B	—	-0.20%	49.6%	14.8%	26.5%	—
2024-Q2	13.38%	9.20%	$440.4B	$371.2B	—	—	49.3%	14.7%	26.3%	—
2024-Q1	13.11%	9.25%	$444.6B	$369.2B	—	—	49.3%	14.7%	26.5%	—

Score Breakdown

3/100 —LOW

Live score · base 7 pts -4 macro adj

Capital Pressure7/40

CET1 13.02% — above 12%, no pressure

-1.02pp above 8% regulatory floor

CET1 declined 1 quarter (13.38% → 13.02%)

Loan Book Growth12/30

Loan book grew 3.1% YoY

RWA grew 3.4% QoQ — rapid RWA expansion strains capital

Highest concentration: CRE at 46.6% — above 30% threshold

Historical SRT0/20

No prior SRT deals on record

Macro Context3/10

Live macro signal: UNFAVORABLE (sentiment -10/20) — 3/10 pts

Large Bank

>$500B total assets — deep capital buffers reduce SRT urgency

-15

Macro environment · UNFAVORABLE-4

Sentiment -10/20 · global -4 pts

Overall SRT likelihood3/100

AI Investment Memo

Llama will analyze U.S. Bancorp across 4 data dimensions and write a structured memo

Score: 3/100·Model: llama-3.3-70b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

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