When do the big banks report Q2 earnings?

The five largest US banks report their Q2 2026 earnings on Tuesday.

What is net interest income and why is it important?

Net interest income is the difference between what banks earn on loans and pay on deposits. It is a key driver of bank profitability in a high-rate environment.

How do interest rates affect bank earnings?

Higher interest rates typically boost net interest income, but can also increase funding costs and loan loss provisions.

5 Big US Banks Report Q2 Earnings Tuesday: What to Watch

Q: Which banks are reporting earnings?

The banks are JPMorgan Chase (JPM), Bank of America (BAC), Wells Fargo (WFC), and Citigroup (C).

Five of America's largest banks report Q2 2026 earnings on Tuesday. Analysts are zeroing in on net interest income as interest rates remain elevated.

Wall Street is bracing for a busy Tuesday as five of America's biggest banks—JPMorgan Chase (JPM), Bank of America (BAC), Wells Fargo (WFC), and Citigroup (C)—report their second-quarter 2026 earnings.

Analysts are focused on a short list of numbers, with net interest income (NII) at the top. NII measures the difference between what banks earn on loans and what they pay on deposits. With interest rates still high, banks are expected to benefit from wider net interest margins, but funding costs and loan loss provisions could pressure profits.

Key Financial Results

Results have not been released yet. The table below will be updated after the announcements.

Bank	Expected Revenue	Expected Net Income	Expected EPS
JPM	$41.5B	$12.8B	$4.15
BAC	$25.2B	$7.1B	$0.85
WFC	$20.3B	$4.9B	$1.25
C	$19.8B	$3.5B	$1.65

Note: Figures are analyst estimates, not actual results.

Key Metrics to Watch

Net Interest Income: The most important driver of bank profitability in a high-rate environment.
Loan Loss Provisions: Indicates banks' expectations for defaults.
Investment Banking Fees: Activity in capital markets and advisory.
Deposits: Growth or shrinkage of deposit base and their cost.

Guidance

No official guidance has been issued yet. Analysts will focus on management commentary regarding interest rate outlook and loan demand.

Impact on Stocks

Bank stocks typically react to earnings surprises and guidance. Any deviation from expectations could cause significant volatility.

What This Means for Investors

Big bank earnings are a bellwether for the financial sector and the broader economy. Investors should watch net interest income and loan loss provisions to gauge bank performance in a high-rate environment.