{
  "report_rows": [
    {
      "kpi": "Diluted EPS",
      "prediction": "BEAT",
      "answer": "pred ~$0.43 vs. cons $0.42",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Net interest income, taxable-equivalent",
      "prediction": "IN-LINE",
      "answer": "pred ~$1.271B vs. cons $1.267B",
      "confidence": "HIGH"
    },
    {
      "kpi": "Net interest margin",
      "prediction": "IN-LINE",
      "answer": "pred ~2.93% vs. cons 2.92%",
      "confidence": "MEDIUM"
    }
  ],
  "guide_rows": [
    {
      "kpi": "Net interest income growth",
      "prediction": "UNCHANGED",
      "answer": "guide ~9.5% vs. cons 9.5% (FY2026)",
      "confidence": "HIGH"
    },
    {
      "kpi": "Fourth-quarter net interest margin",
      "prediction": "BETTER",
      "answer": "guide ~3.05% vs. cons 3.04% (Q4 2026)",
      "confidence": "MEDIUM"
    },
    {
      "kpi": "Adjusted noninterest expense growth",
      "prediction": "UNCHANGED",
      "answer": "guide ~3.5% vs. cons 3.5% (FY2026)",
      "confidence": "HIGH"
    },
    {
      "kpi": "Average commercial loan growth",
      "prediction": "UNCHANGED",
      "answer": "guide ~7.0% vs. cons 7.0% (FY2026)",
      "confidence": "MEDIUM"
    }
  ],
  "day1_residual_pct": 1.4,
  "day1_confidence": "MEDIUM",
  "day5_residual_pct": 0.8,
  "day5_path": "FADE",
  "day5_rationale": "Residual fades from ~+1.4% on day 1 to ~+0.8% cumulatively by day 5 because the modest EPS beat is largely driven by pre-announced Q2 NII momentum, while FY2026 NII guidance remains ~9.5% vs. cons 9.5%, limiting out-period estimate revisions.",
  "day5_confidence": "MEDIUM"
}