U.S. Bancorp (USB) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.177 Welcome to the U.S. Bancorp fourth quarter 2025 earnings conference call. 00:00:05.177 -- 00:00:09.763 Following a review of the results, there will be a formal question and answer session. 00:00:09.763 -- 00:00:13.888 If you would like to ask a question, please press star then one on your phone. 00:00:13.888 -- 00:00:16.872 If you wish to withdraw your question, please press star then one again. 00:00:16.872 -- 00:00:18.334 This 00:00:18.334 -- 00:00:22.599 call will be recorded and available for replay beginning today at approximately 11 a.m. 00:00:22.599 -- 00:00:24.361 Central Time. 00:00:24.361 -- 00:00:28.046 I will now turn the conference over to George Anderson, Director of Investor Relations 00:00:28.046 -- 00:00:30.068 for U.S. Bancorp. 00:00:30.068 -- 00:00:32.550 Thank you, Julianne, and good morning, everyone. 00:00:32.550 -- 00:00:36.894 In our boardroom today, I'm joined by our Chief Executive Officer, Gunjan Ketia, and 00:00:36.894 -- 00:00:41.899 Vice Chair and CFO, John Stern. In a moment, Gunjan and John will be referencing a 00:00:41.899 -- 00:00:45.102 slide presentation together with their prepared remarks. 00:00:45.102 -- 00:00:49.446 A copy of the presentation, our press release, and supplemental analyst schedules can 00:00:49.446 -- 00:00:53.147 be found on our website at ir.usbank.com. 00:00:53.530 -- 00:00:57.113 Please note that any forward-looking statements made during today's call are subject 00:00:57.113 -- 00:01:01.751 to risk and uncertainty. Factors that could materially change our current forward-looking 00:01:01.751 -- 00:01:07.299 assumptions are described on page two of today's earnings presentation, our press release, 00:01:07.299 -- 00:01:12.327 and in reports on file at the SEC. Following o...