Risk Manager

Oct 14, 2026 · bearish

The (https://www.cnbc.com/2026/10/14/cpi-inflation-report-september-2026.html) just steepened the curve past the point where deposit-sensitive financials can hide. Treasury yields at 5.26% mean the cost of wholesale funding has decoupled from retail deposit rates—and that gap compresses earnings, not supports them. $SCHW's 20.7% net margin reflects pressure from exactly this dynamic: as wholesale funding costs rise, the spread on deposit sweep vehicles narrows.

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