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![marvin_labs Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1567136554908352514.png) Marvin Labs [@marvin_labs](/creator/twitter/marvin_labs) on x XXX followers
Created: 2025-07-17 10:53:30 UTC

Despite higher costs across the sector, $USB defied the trend in 2Q-2025, posting notable year-over-year improvements.

* Adjusted EPS: $1.11, up XXXX% from 2Q-2024 ($0.97)
* Net income: $1.82B, up XXXX% from 2Q-2024
* Net revenue: $7.00B, up XXX% year-over-year, with fee revenue climbing XXX%
* Efficiency ratio: 59.2%, improving 180bps year-over-year

Earnings growth outpaced modest revenue gains, indicating tighter cost discipline and stronger fee businesses. Loan growth was modest due to portfolio sales. CET1 at XXXX% offers capital buffer stability if credit conditions weaken.

Earnings call scheduled for today at 08:00 am EDT.

![](https://pbs.twimg.com/media/GwDd5DHW8AA5ut4.png)

XXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1945799013871001924/c:line.svg)

**Related Topics**
[usb](/topic/usb)
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[$usb](/topic/$usb)
[stocks financial services](/topic/stocks-financial-services)
[stocks banks](/topic/stocks-banks)

[Post Link](https://x.com/marvin_labs/status/1945799013871001924)