Bank of America is scheduled to report third-quarter 2026 results on October 14, with the provision for credit losses serving as a key line item reflecting reserve builds against its loan portfolio. Analysts project an increase from the $1.366 billion recorded in Q2, driven by elevated geopolitical risks from Middle East conflicts, volatile oil prices, persistent inflation, and the Federal Reserve’s higher-for-longer policy stance, which together support expectations for higher nonperforming loans and leases (consensus $6.46 billion, up roughly 21% year-over-year). Loan growth remains solid in commercial segments, while consumer credit metrics have stayed relatively stable with charge-offs near or below pre-pandemic levels. Traders will focus on management commentary around qualitative reserves, delinquency trends, and any shifts in the economic outlook embedded in CECL modeling.