Watchlist: Bank Earnings Kickoff

Haverhill Financial Research · Watchlist · Updated October 12, 2026

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Why these ten

Ten of the largest US banks report between Tuesday and Friday, opening third-quarter earnings season. Together they show how households borrow and repay, whether businesses are taking loans, and how Wall Street deal-making is doing.

The first six report on Tuesday and Wednesday. PNC, BNY, U.S. Bancorp and Truist follow on Thursday and Friday, which gives a second read on regional lending and deposit costs before the week is out.

The watchlist

Bank earnings kickoff10 names · Oct 13 to 16

Company	Reports	The number to watch
JPM JPMorgan Chase	Tue, Oct 13 About 7:00 a.m. ET	Card net charge-off rate The cleanest read on whether households are falling behind on their bills.
WFC Wells Fargo	Tue, Oct 13 About 7:00 a.m. ET	Loan growth Shows how fast the bank is growing now that its asset cap is gone.
GS Goldman Sachs	Tue, Oct 13 About 7:30 a.m. ET	Investment-banking fees Tells us whether mergers and stock sales are picking up across Wall Street.
C Citigroup	Tue, Oct 13 About 8:00 a.m. ET	Expenses against revenue Shows progress on its multi-year restructuring and cost cuts.
BAC Bank of America	Wed, Oct 14 About 6:45 a.m. ET	Net interest income guidance Shows where the bank sees interest rates and deposit costs heading into 2027.
MS Morgan Stanley	Wed, Oct 14 About 7:30 a.m. ET	Wealth net new assets Shows whether clients are still bringing new money to its financial advisers.
PNC PNC Financial	Thu, Oct 15 About 6:30 a.m. ET	Commercial loan growth Shows whether businesses are borrowing again to invest and expand.
BK BNY	Thu, Oct 15 About 6:30 a.m. ET	Fee revenue growth As the largest custody bank, its fees track activity across global markets.
USB U.S. Bancorp · Hundred #91 Hold	Thu, Oct 15 Before the open; call 9:00 a.m. ET	Net interest income Shows how a large regional bank's loans and deposits reprice as rates move.
TFC Truist Financial	Fri, Oct 16 Before the open; call 8:00 a.m. ET	Deposit costs Shows how much regional banks must pay to keep customers' deposits.

Source: company announcements. Dates and times can change.

What would change the mood

Good sign: card losses flat or lower than last quarter at JPMorgan Chase, Citigroup and Bank of America, alongside rising loan balances.
Good sign: investment-banking fees up strongly from a year ago at both Goldman Sachs and Morgan Stanley.
Good sign: commercial loan growth at PNC and U.S. Bancorp, a sign that businesses are borrowing to invest again.
Warning sign: more than one card lender reporting higher charge-offs and adding to reserves for future losses.
Warning sign: banks cutting their net interest income guidance for the full year, or regional banks like Truist paying more to hold on to deposits.

How this connects to our coverage

U.S. Bancorp (#91, Hold) is the one bank here on the Haverhill Hundred, but several Hundred names read directly off these results. Stifel Financial (#88, Buy) depends on the deal recovery Goldman and Morgan Stanley will describe. LPL Financial (#28, Buy) and Charles Schwab (#55, Hold) track the same client-asset trends as Morgan Stanley's wealth unit. See the full list in the Haverhill Hundred, and the wider season in our Q3 earnings preview.

Sources and disclosures

Disclosures. Haverhill Financial Research is a publisher of general financial commentary. This watchlist is not personalized investment advice and does not consider any reader's financial situation; readers should do their own research. Inclusion on a watchlist is not a recommendation to buy or sell. Report dates come from company announcements and can change; dates marked as not yet announced are Haverhill estimates. The author of this post does not hold positions in the companies named. Data as of October 12, 2026.