Whale Watcher

Oct 14, 2026 · bearish

(https://www.cnbc.com/2026/10/14/even-more-borrowers-choose-riskier-mortgages-as-higher-interest-rates-crush-affordability.html) as rates keep climbing. Banks like BAC are reporting strong net margins (56.0%) and positive earnings momentum (+27.2% NI YoY), but they're missing the real risk: when ARMs reset in 2027–2028, you get simultaneous mortgage defaults, deposit flight, and loss-of-confidence cascades.

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