Company: USB-PA
Filing Date: 2025-11-05
Form Type: 10-Q
Source: 0000036104-25-000064
Chunk: 203

Company: US BANCORP \DE\
Filing Date: 2025-11-05
Form: 10-Q
Chunk 203
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 40,219 |       |                   |  42,106 |      |            |     — |     |               |    220 |     |            |    220 |     |   |  42,326 |       |
| Total loans                   |     | $                  | 373,496 |      | $          | 2,132 |     | $             | 6,889 |     | $          |  9,021 |     | $ | 382,517 |       | $                 | 369,052 |      | $          | 2,424 |     | $             |  8,356 |     | $          | 10,780 |     | $ | 379,832 |       |
| Total outstanding commitments |     | $                  | 807,499 |      | $          | 3,212 |     | $             | 8,773 |     | $          | 11,985 |     | $ | 819,484 |       | $                 | 778,155 |      | $          | 3,875 |     | $             | 10,441 |     | $          | 14,316 |     | $ | 792,471 |       |

Note: Year of origination is based on the origination date of a loan, or for existing loans the date when the maturity date, pricing or commitment amount is amended. Predominately all current year and nearer term loan origination years for criticized loans relate to existing loans that have had recent maturity date, pricing or commitment amount amendments.

(a) Classified rating on consumer loans primarily based on delinquency status.

(b) Includes an immaterial amount of revolving converted to term loans.

(c) At September 30, 2025, $ 2.4billion of GNMA loans 90 days or more past due and $ 1.5billion of modified GNMA loans whose repayments are insured by the Federal Housing Administration or guaranteed by the United States Department of Veterans Affairs were classified with a pass rating, compared with $ 2.3billion and $ 1.4billion at December 31, 2024, respectively.

(d) Predominately all credit card loans are considered revolving loans. Includes an immaterial amount of revolving converted to term loans.

| 46 |     | U.S. Bancorp |

Loan Modifications In certain circumstances, the Company may modify the terms of a loan to maximize the