{
  "report_rows": [
    {
      "kpi": "Adjusted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$0.66 vs. cons $0.64",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net interest income",
      "prediction": "IN-LINE",
      "answer": "pred ~$1.282B vs. cons $1.273B",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Adjusted noninterest income",
      "prediction": "BEAT",
      "answer": "pred ~$665M vs. cons $656.5M",
      "confidence": "LOW"
    }
  ],
  "guide_rows": [
    {
      "kpi": "Net interest income growth",
      "prediction": "BETTER",
      "answer": "guide ~3.5% vs. cons 3.4% (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Average loan growth",
      "prediction": "BETTER",
      "answer": "guide ~3.0% vs. cons 2.5% (FY2026)",
      "confidence": "LOW"
    },
    {
      "kpi": "Net charge-off ratio",
      "prediction": "BETTER",
      "answer": "guide ~45 bps vs. cons 47 bps (FY2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Adjusted noninterest expense growth",
      "prediction": "UNCHANGED",
      "answer": "guide ~2.5% vs. cons 2.6% (FY2026)",
      "confidence": "MEDIUM"
    }
  ],
  "day1_residual_pct": 1.3,
  "day1_confidence": "LOW",
  "day5_residual_pct": 0.6,
  "day5_path": "FADE",
  "day5_rationale": "Q2 adjusted EPS of ~$0.66 vs. $0.64 consensus should initially support the shares, but NII of ~$1.282B vs. $1.273B consensus is only in-line and FY2026 NII growth of ~3.5% vs. 3.4% consensus implies limited out-period estimate revisions after the pre-earnings rally.",
  "day5_confidence": "LOW"
}