2Q26 Earnings Chart Pack: Week 2

Research evidence excerpt

2Q26 Earnings Chart Pack: Week 2

UpdateMExhibit 28: Midcap Banks: Drivers of beats/misses of 2Q EPS

2Q26 A vs. E AUB CBSH CFG CUBI EWBC FITB FLG HBAN KEY MTB OZK SFNC VLY ZION Better Worse In-Line

NIM BETTER BETTER WORSE WORSE WORSE WORSE WORSE WORSE WORSE BETTER BETTER WORSE IN-LINE WORSE 29% 64% 7%

Avg Loans BETTER BETTER BETTER BETTER WORSE BETTER WORSE WORSE WORSE BETTER WORSE BETTER BETTER IN-LINE 57% 36% 7%

Avg Earning Assets BETTER WORSE BETTER WORSE BETTER IN-LINE WORSE WORSE IN-LINE BETTER WORSE WORSE BETTER BETTER 43% 43% 14%

NII BETTER BETTER BETTER WORSE BETTER WORSE WORSE WORSE WORSE BETTER WORSE WORSE BETTER WORSE 43% 57% 0%

Fees BETTER BETTER BETTER BETTER BETTER BETTER BETTER BETTER BETTER BETTER BETTER BETTER BETTER BETTER 100% 0% 0%

Total Revs BETTER BETTER BETTER WORSE BETTER WORSE WORSE BETTER WORSE BETTER BETTER WORSE BETTER WORSE 57% 43% 0%

Expenses WORSE WORSE WORSE WORSE WORSE WORSE BETTER WORSE BETTER BETTER WORSE WORSE WORSE WORSE 21% 79% 0%

PPOP BETTER BETTER BETTER WORSE WORSE WORSE WORSE WORSE BETTER BETTER WORSE WORSE WORSE WORSE 36% 64% 0%

Provision WORSE BETTER BETTER BETTER BETTER BETTER BETTER BETTER BETTER BETTER BETTER WORSE WORSE BETTER 79% 21% 0%

NCOs WORSE BETTER IN-LINE BETTER BETTER IN-LINE WORSE BETTER BETTER BETTER WORSE BETTER BETTER BETTER 64% 21% 14%

Reserve Build/Release WORSE BETTER BETTER BETTER WORSE BETTER BETTER WORSE BETTER WORSE BETTER WORSE WORSE BETTER 57% 43% 0%

Pretax Income BETTER BETTER BETTER WORSE BETTER WORSE WORSE BETTER BETTER BETTER BETTER WORSE WORSE BETTER 64% 36% 0%

Net Income BETTER BETTER BETTER BETTER BETTER WORSE BETTER WORSE BETTER BETTER BETTER WORSE WORSE BETTER 71% 29% 0%

Avg Diluted Shares WORSE BETTER WORSE WORSE WORSE IN-LINE WORSE IN-LINE WORSE WORSE WORSE IN-LINE WORSE BETTER 14% 64% 21%