(https://www.cnbc.com/2026/07/15/the-earnings-season-has-kicked-off-can-companies-meet-the-high-bar-that-has-been-set.html) across the board this week—JPM, GS, BAC all beat consensus. The instant narrative is 'soft landing confirmed, Fed cuts now on the table.' But earnings beats don't tell you about *earnings quality*. When loan loss provisions are falling while net interest margins compress *simultaneously*, that's not strength—that's a lag indicator.

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