---
title: "Summary of Q3 2025 financial reports of the four major US banks and verification of post conclusions"
type: "Topics"
locale: "en"
url: "https://longbridge.com/en/topics/35288253.md"
description: "X post (from @tonyhua64243679) discussed the latest financial reports of the four major U.S. banks (JPMorgan Chase, Bank of America, Citigroup, Wells Fargo), concluding that there is no need to panic. The banking system's balance sheet is far healthier than in 2008, and a financial crisis is unlikely to erupt at present. Below is a summary and verification based on the financial report data: The reports indicate that these banks released their Q3 results around October 14-15, 2025, showing strong overall performance. Driven by the resilience of the U.S. economy, investment banking, and trading activities, both profits and revenue grew, exceeding analysts' expectations..."
datetime: "2025-10-16T11:28:27.000Z"
locales:
  - [en](https://longbridge.com/en/topics/35288253.md)
  - [zh-CN](https://longbridge.com/zh-CN/topics/35288253.md)
  - [zh-HK](https://longbridge.com/zh-HK/topics/35288253.md)
author: "[老板的老板 AI Exec](https://longbridge.com/en/profiles/123.md)"
---

> Supported Languages: [简体中文](https://longbridge.com/zh-CN/topics/35288253.md) | [繁體中文](https://longbridge.com/zh-HK/topics/35288253.md)


# Summary of Q3 2025 financial reports of the four major US banks and verification of post conclusions

X post (from @tonyhua64243679) discussed the latest earnings reports of the four major U.S. banks (JPMorgan Chase, Bank of America, Citigroup, Wells Fargo), concluding that there is no need to panic as the banking system's balance sheets are far healthier than in 2008, making a financial crisis unlikely at present. Below is a summary and verification based on the earnings data:

#### Earnings Overview

These banks reported their Q3 results around October 14-15, 2025, showing strong overall performance driven by U.S. economic resilience, investment banking, and trading activities, with both profits and revenue growing and exceeding analyst expectations. Details are as follows:

**JPMorgan Chase**: Net profit of $14.39 billion, up 12% YoY; EPS of $5.07 (beating expectations of $4.85); revenue rose 9% to $47.12 billion. Trading and market revenue grew 25%, while investment banking fees increased 16%. Consumer spending and corporate transactions were strong, though credit losses rose slightly.

**Bank of America**: Net profit of $8.5 billion, up 23% YoY; EPS of $1.06 (beating expectations of $0.95); revenue rose 11% to $28.09 billion. Investment banking revenue surged 43% to $2.05 billion. Wealth management and trading fees improved, with optimism about economic growth despite deposit cost pressures.

**Citigroup**: Net profit of $3.8 billion; revenue grew 9% YoY (~$21-22 billion). All major divisions set quarterly records, including services, markets, and wealth management. Global operations were strong, while restructuring efforts to improve efficiency continued.

**Wells Fargo**: EPS of $1.66 (beating expectations); revenue of $21.43 billion (beating expectations of $21.14 billion). Housing loans and commercial banking performed well, with shares rising 7-9%, reflecting investor confidence in cost control and asset quality.

Overall, banks showed no major issues, such as large-scale loan defaults or liquidity crises. Although credit loss provisions increased slightly (due to rising delinquency rates in credit cards and commercial real estate), they remained manageable.

#### Post Conclusion Verification

The post's argument holds: Based on standard metrics and official reports, bank balance sheets are far superior to those during the 2008 financial crisis. The crisis then stemmed from subprime mortgage collapses, insufficient capital buffers, and high leverage, whereas today, the Dodd-Frank Act and Basel III reforms demand higher capital quality and stress tests, leading to:

**High Capital Ratios**: Common Equity Tier 1 (CET1) ratios far exceed regulatory minimums (4.5% plus buffers). For example, JPMorgan ~14.8-14.9%, Bank of America 11.6%, Citigroup 13.2%, Wells Fargo targeting 10-10.5% (actual higher). Pre-2008 equivalent ratios were only 8-10% and of lower quality; current ratios are near historical highs, providing strong buffers.

**Asset Quality & Liquidity**: Delinquency rates are higher in some areas but below 2008 peaks, with adequate loan loss provisions. Liquidity ratios are above pre-pandemic levels, and uninsured deposit reliance has normalized to pre-2022 levels. The Fed's April 2025 Financial Stability Report called the system "robust and resilient," with vulnerabilities "moderate."

However, a September 2025 New York Fed study using the "Economic Value Systemic Risk" (EVSR) metric suggested systemic risk may exceed 2008 levels, citing declining economic capital, fragile deposit bases (more uninsured deposits), commercial real estate refinancing, and shadow bank exposures. This view, based on forward-looking models, may overstate risks in a mild economic environment and represents a researcher's perspective, not Fed consensus.

Overall, strong Q3 results and reinforced capital support the post's "no need to panic" stance. There are no crisis signs currently, but economic changes (e.g., interest rates or recession) must be monitored.

Personal view: The rate-cut cycle is about to begin in full, the financial sector is broadly stable, and it's time to actively invest in mainstream core assets.

$Tesla(TSLA.US) $Coinbase(COIN.US) $Taiwan Semiconductor(TSM.US) $Robinhood(HOOD.US)

### Related Stocks

- [Wells Fargo & Company (WFC.US)](https://longbridge.com/en/quote/WFC.US.md)
- [Bank of America Corporation (BAC.US)](https://longbridge.com/en/quote/BAC.US.md)
- [JPMorgan Chase & Co. (JPM.US)](https://longbridge.com/en/quote/JPM.US.md)
- [Chase (300941.CN)](https://longbridge.com/en/quote/300941.CN.md)
- [Taiwan Semiconductor Manufacturing Company Limited (TSM.US)](https://longbridge.com/en/quote/TSM.US.md)
- [Citigroup Inc. (C.US)](https://longbridge.com/en/quote/C.US.md)
- [Robinhood Markets, Inc. (HOOD.US)](https://longbridge.com/en/quote/HOOD.US.md)
- [Tesla, Inc. (TSLA.US)](https://longbridge.com/en/quote/TSLA.US.md)
- [Coinbase Global, Inc. (COIN.US)](https://longbridge.com/en/quote/COIN.US.md)
- [GraniteShares 2x Short TSLA Daily ETF (TSDD.US)](https://longbridge.com/en/quote/TSDD.US.md)
- [Direxion Daily TSLA Bull 2X Shares (TSLL.US)](https://longbridge.com/en/quote/TSLL.US.md)
- [Tradr 2X Short TSLA Daily ETF (TSLQ.US)](https://longbridge.com/en/quote/TSLQ.US.md)
- [XI2CSOPTSLA-U (09366.HK)](https://longbridge.com/en/quote/09366.HK.md)
- [XL2CSOPTSLA (07766.HK)](https://longbridge.com/en/quote/07766.HK.md)
- [XI2CSOPTSLA (07366.HK)](https://longbridge.com/en/quote/07366.HK.md)
- [GraniteShares 2x Long TSLA Daily ETF (TSLR.US)](https://longbridge.com/en/quote/TSLR.US.md)
- [GraniteShares 2x Long COIN Daily ETF (CONL.US)](https://longbridge.com/en/quote/CONL.US.md)
- [XI2CSOPCOIN (07311.HK)](https://longbridge.com/en/quote/07311.HK.md)
- [WELLS FARGO & COMPANY DEP SHS REP 1/1000TH INT PFD SR AA (CLA) (WFC-A.US)](https://longbridge.com/en/quote/WFC-A.US.md)
- [WELLS FARGO & COMPANY DP SHS REP 1/1000TH INT NCUM PFD CL A CC (WFC-C.US)](https://longbridge.com/en/quote/WFC-C.US.md)
- [WELLS FARGO & COMPANY DP SHS REP 1/1000TH INT NCUM PFD CL A DD (WFC-D.US)](https://longbridge.com/en/quote/WFC-D.US.md)
- [WELLS FARGO & COMPANY 7.5% PERP CONV PRF CLS 'A' SERIES 'L' (WFC-L.US)](https://longbridge.com/en/quote/WFC-L.US.md)
- [WELLS FARGO & COMPANY DEP SHS REP 1/1000 INT PER PFD SER Y A (WFC-Y.US)](https://longbridge.com/en/quote/WFC-Y.US.md)
- [WELLS FARGO & COMPANY 4.75% DEP SHS 1/1000 NCUM PFD CL A SR Z (WFC-Z.US)](https://longbridge.com/en/quote/WFC-Z.US.md)
- [BANK OF AMERICA CORPORATION 6%NON CUM DEP SHS EACH REP 1/1000 SER GG (BAC-B.US)](https://longbridge.com/en/quote/BAC-B.US.md)
- [BANK OF AMERICA CORPORATION DEP SHARES REP 1/1000TH PERP PFD SER 'E' (BAC-E.US)](https://longbridge.com/en/quote/BAC-E.US.md)
- [BANK OF AMERICA CORPORATION 5.875%NON CUM DEP SHS REP1/1000TH SER HH (BAC-K.US)](https://longbridge.com/en/quote/BAC-K.US.md)
- [BANK OF AMERICA CORPORATION 7.25% NON-CUM PERP CONV PFD SER L (BAC-L.US)](https://longbridge.com/en/quote/BAC-L.US.md)
- [BANK OF AMERICA CORPORATION 5.375%DEP SHS REP 1/1000TH NON CUM SR KK (BAC-M.US)](https://longbridge.com/en/quote/BAC-M.US.md)
- [BANK OF AMERICA CORPORATION 5% DEP SHS REPR 1/1000TH NON CUM PFD LL (BAC-N.US)](https://longbridge.com/en/quote/BAC-N.US.md)
- [BANK OF AMERICA CORPORATION 4.375% DP SH RP 1/1000TH IN NON CU PF NN (BAC-O.US)](https://longbridge.com/en/quote/BAC-O.US.md)
- [BANK OF AMERICA CORPORATION 4.125%DEP SH REP 1/1000 PFD SER PP USD25 (BAC-P.US)](https://longbridge.com/en/quote/BAC-P.US.md)
- [BANK OF AMERICA CORPORATION DEP SHS REP 1/1000TH INT NON CUM PFD QQ (BAC-Q.US)](https://longbridge.com/en/quote/BAC-Q.US.md)
- [BANK OF AMERICA CORPORATION DEP SHS REP 1/1000TH NON CUM PFD SER SS (BAC-S.US)](https://longbridge.com/en/quote/BAC-S.US.md)
- [BANK OF AMERICA CORPORATION DEP SH REP 1/1200TH PRF SER 1 USD25 (BML-G.US)](https://longbridge.com/en/quote/BML-G.US.md)
- [BANK OF AMERICA CORPORATION DEP SHS REP 1/1200TH PRF SERIES '2' (BML-H.US)](https://longbridge.com/en/quote/BML-H.US.md)
- [BANK OF AMERICA CORPORATION DEP SHS REP 1/1200 PFD SER 4 USD25 (BML-J.US)](https://longbridge.com/en/quote/BML-J.US.md)
- [BANK OF AMERICA CORPORATION DEP SHS REP 1/1200TH PRF SERIES '5' (BML-L.US)](https://longbridge.com/en/quote/BML-L.US.md)
- [BANK OF AMERICA CORPORATION INCOME CAPITAL OBLIG NTS DUE 15/12/2066 (MER-K.US)](https://longbridge.com/en/quote/MER-K.US.md)
- [JPMORGAN CHASE & CO. 6%NON CUM DEP SHS REP 1/400TH PFD SER EE (JPM-C.US)](https://longbridge.com/en/quote/JPM-C.US.md)
- [JPMORGAN CHASE & CO. DEP REP 1/400TH (5.75% NON CUM PFD DD) (JPM-D.US)](https://longbridge.com/en/quote/JPM-D.US.md)
- [JPMORGAN CHASE & CO. 4.75 DEP SHS REP 1/400 NCUM PFD SR GG (JPM-J.US)](https://longbridge.com/en/quote/JPM-J.US.md)
- [JPMORGAN CHASE & CO. 4.55% DEP SHS REPSTG 1/400TH PFD SER JJ (JPM-K.US)](https://longbridge.com/en/quote/JPM-K.US.md)
- [JPMORGAN CHASE & CO. 4.625% DEP SH RE 1/400TH INT NO CU PF LL (JPM-L.US)](https://longbridge.com/en/quote/JPM-L.US.md)
- [JPMORGAN CHASE & CO. 4.20% DEP SHS REPSTG 1/400TH PFD SER MM (JPM-M.US)](https://longbridge.com/en/quote/JPM-M.US.md)

## Comments (17)

- **快活人 · 2025-10-17T09:05:08.000Z**: Regional banks suddenly collapsed! Is the wave of US bank failures coming? Wall Street's top dog... http://xhslink.com/o/Aa1XyPHDYZCCopy and open [Xiaohongshu] to view the note!
- **韩跑跑的交易员Luka · 2025-10-16T12:22:35.000Z**: Xi is going to make a soft landing🙈
- **我不想说 · 2025-10-16T11:54:09.000Z · 👍 2**: If it weren't for the continuous financial subsidies, Dongda Bank would have collapsed long ago.
- **老板的老板 AI Exec · 2025-10-16T11:46:56.000Z · 👍 6**: By contrast, banks in the east may face increasing risks, especially as uncertainties in local finances have yet to be effectively resolved. The debt entities centered on state-owned enterprises and the government, coupled with declining fiscal revenues due to the deflationary cycle, are making peop
- **一飞冲天绿色小宝石 · 2025-10-16T11:43:19.000Z**: Wishing the boss prosperity
- **招财 max · 2025-10-16T11:40:00.000Z**: Boss, I've already adopted the strategy of holding gold in my left hand and stocks in my right. It feels like a good choice too.
- **龍龙组合 · 2025-10-16T11:39:34.000Z**: ### One-sentence descriptionThe article revolves around the Q3 2025 earnings reports of the four major U.S. banks, pointing out strong performance with growth in both profits and revenue. It validates the "No Need to Panic" post, stating that bank balance sheets are better than in 2008, thou
- **Ethan.Zhang · 2025-10-16T11:39:06.000Z**: Wishing the boss to make a fortune
- **江汉南京 · 2025-10-16T11:34:02.000Z · 👍 3**: Wishing the boss to make a hundred million (USD) this year
- **海公牛 · 2025-10-16T11:30:32.000Z**: Find a class representative to translate into plain language and explain the boss's meaning
  - **月落西湖** (2025-10-16T11:32:46.000Z): Keep the music and keep dancing
  - **江汉南京** (2025-10-16T11:33:24.000Z): The boss saw the data that allows us to confidently go long on core assets, so he shared it with us.
  - **海公牛** (2025-10-16T11:34:21.000Z): Oh oh, got it, all in