| Quarter | Call date | Disclosure | Financial quality | Kept | Missed | |
|---|---|---|---|---|---|---|
| Q3'26 | October 16, 2026 | 8/12 | 1 high, 4 medium, 1 low flags | 1 | 1 | Call sheet → |
| Q2'26 | July 15, 2026 | 9/12 | 1 high, 4 medium, 1 low flags | 2 | 1 | Call sheet → |
| Q1'26 | April 15, 2026 | 10/12 | 1 high, 4 medium, 2 low flags | 2 | 3 | Call sheet → |
| Q4'25 | January 16, 2026 | 11/12 | 2 medium, 5 low flags | 5 | 1 | Call sheet → |
| Marked | Status | Promise |
|---|---|---|
| Q3'26 | Pending | We expect to operate the CET1 ratio in the lower part of the 10%-10.5% range unless market conditions start to deteriorate Ongoing capital target, not a period that has ended; Q3 actual of 10.16% is consistent with the range, and management has now tightened the forward range to 10-10.25% for the rest of the year. |
| Q3'26 | Pending | Second half of the year, the new servicing is $35 million additional revenue in that line item Second-half 2026 period has not fully ended (only Q3 reported); mortgage banking/residential revenue rose $23M to $119M on subservicing in Q3, partial but incomplete evidence toward the $35M full-half target. |
| Q3'26 | Pending | We now expect full-year net charge-offs of 37 basis points Full-year period has not ended; actual full-year result is not stated on this call. |
| Q3'26 | Missed | I think third quarter, they're going to have to rebuild pipelines. I think we'll grow, but probably more modestly third quarter C&I (CNI) loans came in largely unchanged at $65.9 billion in Q3, not the 'more modest growth' that was promised. |
| Q3'26 | Delivered | We expect all those portfolios to continue to grow in the third and the fourth quarter CRE (+$1.6B/7%), residential mortgage (+$0.4B/1%), and consumer (+$0.6B/2%) all grew in Q3 as promised. |
| Q2'26 | Delivered | Would bring CET1 down to 10% range At 10.19% with $465M buybacks executed |
| Q2'26 | Delivered | Interest-bearing deposit beta low-to-mid 50s At 56%, slightly above mid-point but within range |
| Q2'26 | Pending | Expenses at high end of $5.5B-$5.6B Maintaining discipline despite investments |
| Q2'26 | Pending | Fee income $2.8B-$2.85B for full year Now tracking to high end with Bayview and sub-servicing additions |
| Q2'26 | Missed | CRE would grow in Q2 Average balances barely moved (+$57M), though June surge sets up Q3 |
| Q2'26 | Pending | NII of $7.2B-$7.35B for full year Tracking to lower half of range, still achievable but tightening |
| Q1'26 | Missed | Efficiency ratio improvement while investing in enterprise initiatives Efficiency ratio deteriorated to 58.3% from 55.1% due to seasonal comp and lower revenue. |
| Q1'26 | Delivered | Fee income growth to be broad-based across categories 13% YoY growth with momentum across trust, mortgage, treasury management. |
| Q1'26 | Delivered | Broad-based deposit growth across business lines Customer deposits grew and outpaced loan growth by $1B+. |
| Q1'26 | Pending | CRE balances to be lower than 2025 full-year average but point-to-point growth Still declining but March originations of $1B+ suggest potential inflection. |
| Q1'26 | Missed | NII of $7.2-7.35B implying NIM in low 3.70s Guidance cut to 'high 3.60s' despite Q1 coming in at 3.71%. |
| Q1'26 | Missed | Point-to-point growth in each of the four main loan portfolios CRE declined 3% in Q1, consumer down 1%. Only C&I and mortgage delivered growth. |
| Q4'25 | Delivered | Fourth quarter NIM approximately 3.7% Achieved 3.69%, essentially on target |
| Q4'25 | Delivered | Fourth quarter NII approximately $1.8B Came in at $1.79B, within guidance range |
| Q4'25 | Missed | $400M to $900M in share repurchases Q4 Only did $507M, Bible cited being 'price sensitive' due to stock performance |
| Q4'25 | Delivered | Operating with CET1 ratio 10.75% to 11% for remainder of year Ended at 10.84%, within range despite $507M of repurchases |
| Q4'25 | Delivered | Full year net charge-offs of less than 40 basis points Came in under 40 bps for 2025 despite 54 bps in Q4 |
| Q4'25 | Delivered | Pulling criticized slides from presentation in a quarter or two Announced they will exclude detailed criticized information going forward |
| Q4'25 | Pending | CRE growth coming in the next quarter or two Delivered record production but pushed timeline to Q2 2026 for net growth |
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