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Analyst
Ben Gerlinger
Period: Reporting periods mapped to calendar 2026 Q2 – 2026 Q3 (2 quarters).
- Questions
- 3on tracked calls
- Challenge rate
- 0%none of 3 questionsLimited sample
- Companies
- 2questioned at least once
- Reporting periods
- 2with questions
These figures cover the whole profile: every tracked question, all reporting periods.
How to read these numbers
Challenge rate is the share of questions that pushed back, pressed for specifics or questioned management’s assumptions. It describes how questions were asked on the calls tracked here; it does not measure whether any view turned out to be right.
Rounding. Rates are rounded to whole percentages, so a small share can show as 0% even when some questions were challenging. The count beside each rate is exact; “none of N questions” means no question was challenging.
No questions recorded. “—” means there is nothing to calculate: no questions were recorded for that period on the calls tracked here. It does not mean there was no activity.
Fewer than 3 questions. A company-level rate is withheld when fewer than 3 questions were recorded for that company; the questions are still counted everywhere else.
Small samples. Profiles with fewer than 10 questions are marked Limited sample.
Reporting periods. Questions are grouped by the calendar quarter each company’s fiscal reporting period maps to, not by the date of the call. Periods without a calendar mapping are listed separately under their fiscal label.
Questions asked
Grouped by company, most questions first. Open a company to read its questions, newest reporting period first.
Showing 3 of 3 questions from 2 companies
BACBank of America2 questions · 2 reporting periods · 0 of 2 challenging
Calendar 2026 Q3
can you also unpack some of the deposit betas you might be assuming in next year's NII?
Show response
Assumes low single digit deposit growth with continued non-interest-bearing growth and symmetric betas on the way up.
Calendar 2026 Q2
is the guidance based on a static balance sheet or the continuation of a little bit more loans
Show response
Alastair detailed the guide's assumptions: modest deposit growth, continued loan growth, and fixed-rate asset repricing; directly answered.
FITBFifth Third Bancorp1 question · 1 reporting period · 0 of 1 challenging
Calendar 2026 Q2
what would you point to in terms of the shareholders to see the successes of those branches other than just market share
Show response
Spence named average deposits per branch as the metric and walked through the Southeast build economics since 2018.
Challenge rate by company
Every company this analyst questioned, most questions first. A company-level rate is shown from 3 questions; below that it is withheld.
| Company | Questions | Challenge rate |
|---|---|---|
| BAC Bank of America | 2 | —Rate withheld: fewer than 3 questions |
| FITB Fifth Third Bancorp | 1 | —Rate withheld: fewer than 3 questions |
Activity by reporting period
Questions recorded for each calendar quarter that companies’ reporting periods map to (not the call date), with the challenge rate for that period. Periods inside the range with no questions are shown as “No questions recorded”.
| Calendar period | Questions | Challenge rate | Companies |
|---|---|---|---|
| 2026 Q2 | 2 | 0%none of 2 questions | 2 |
| 2026 Q3 | 1 | 0%none of 1 question | 1 |
- 2026 Q22 questions · challenge rate 0% (none of 2 questions) · 2 companies
- 2026 Q31 question · challenge rate 0% (none of 1 question) · 1 company
Topics
Topics tagged on this analyst’s questions.
- Margin1
- Pricing1
- Guidance Reliability1
- Demand1
- Geographic Expansion1
- Capex Investment1