USB funds predominantly through sticky consumer and small-business deposits, enabling it to replace expensive time deposits with cheaper savings inflows. This behavioral deposit base limits funding-cost volatility and protects spread income relative to wholesale-funded peers.
the thesis · admitted · the reason above is the thesis, not printed twice
no findingread · nothing bore on it
It held on this filing. No finding was written because nothing in it bore on the reason — the sentences it was read against are below.
the evidence · every sentence checkedthree sentences · whole, uncut
the claims it rests on · in our words, not the filing’s
Average savings deposits for the second quarter of 2026 were $15.5 billion (26.7 percent) higher than the same period of 2025, primarily due to an increase in Consumer and Business Banking balances