$FCNCA 8-K earnings — Q2 FY26

Adjusted EPS of $57.09 beat consensus estimates, with net income of $691M surging 29% from the linked quarter. Revenue quality was solid, driven by balanced loan and deposit growth, higher loan yields, and disciplined expense management. The market may miss that the beat was partly aided by a $7M increase in loan purchase accounting accretion (PAA), while NIM ex-PAA held flat at 3.01%, signaling core margin stability.

Adjusted EPS of $57.09 beat consensus estimates, with net income of $691M surging 29% from the linked quarter. Revenue quality was solid, driven by balanced loan and deposit growth, higher loan yields, and disciplined expense management. The market may miss that the beat was partly aided by a $7M increase in loan purchase accounting accretion (PAA), while NIM ex-PAA held flat at 3.01%, signaling core margin stability.