AMERICAS BANKS: REGIONAL — Handbook: Analyzing key industry trends; Focus on NII growth, deposit costs, loan growth and adjusted capital

In this report we assess key performance metrics across our coverage, including: 1) NII / NIM trends, loan and deposit re-pricing, balance sheet dynamics, as well as various credit quality and profitability metrics, 2) NII and margins for 3Q and 4Q26 / 2027 expectations, including which company has ‘the lowest bar’ for reaching 2027 expectations, 3) loan growth trends in 3Q as well as expectations into 4Q, 4) deposit re-pricing expectations, including expectations for the 3Q hike and expectations for the remainder of the rising rate cycle, 5) aggregate bank commentary and guidance around 4Q26 and full-year 2026, 6) key credit metrics including loss expectations, criticized loans, and allowance ratios, 7) commentary on ROTCE expectations and how they compare to street expectations, and 8) how consensus estimates for 2027 have changed post 3Q EPS. Additionally, we look to assess capital opportunities across our coverage following the move in rates and improving clarity on where capital r