Answered on the record on 30 October 2026, from the files as they stood that day Falling
BOK Financial falls furthest of the National Commercial Banks, from 6.8 in the past to 2.8 in the future. A part of the family's 83 graded listings falls end to end, and the 12 below fall most, a bank with two listings shown once.
How this list was made. A bank is on the list when its three tenses never rise from past to present to future and the future stands more than half a point below the past. The rows are the 12 that fall furthest, the past minus the future, in the family report of 29 October 2026, a bank with two listings shown once. A falling arc is the record's reading of the company, never a price or a move, and every bank here has all 9 of its metrics read as filed.
- BOKFBOK Financial Corporation past 6.8, present 6.5, future 2.8; headline 5.7Its tenses fall from 6.8 in the past to 2.8 in the future. Its weakest future metric is Expectations vs reality, at 2.4 of 10.
- OCFCOceanFirst Financial Corp. past 5.5, present 4.6, future 1.8; headline 4.3Its tenses fall from 5.5 in the past to 1.8 in the future. Its weakest future metric is Growth drivers, at 1.7 of 10.
- WSFSWSFS Financial Corporation past 7.5, present 6.9, future 3.9; headline 6.4Its tenses fall from 7.5 in the past to 3.9 in the future. Its weakest future metric is Growth drivers, at 1.0 of 10.
- WFCWells Fargo & Co. past 7.0, present 6.4, future 3.5; headline 5.9Its tenses fall from 7.0 in the past to 3.5 in the future. Its weakest future metric is Room to expand, at 1.5 of 10.
- FRMEFirst Merchants Corporation past 6.4, present 5.8, future 3.0; headline 5.3Its tenses fall from 6.4 in the past to 3.0 in the future. Its weakest future metric is Growth drivers, at 1.9 of 10; its depository shares, FRMEP, carry the same readings.
- BACBank of America Corporation past 7.4, present 6.1, future 4.2; headline 6.1Its tenses fall from 7.4 in the past to 4.2 in the future. Its weakest future metric is Room to expand, at 1.2 of 10.
- JPMJPMorgan Chase & Co. past 7.6, present 6.6, future 4.9; headline 6.6Its tenses fall from 7.6 in the past to 4.9 in the future. Its weakest future metric is Room to expand, at 4.3 of 10.
- FHNFirst Horizon Corporation past 7.4, present 6.3, future 4.8; headline 6.4Its tenses fall from 7.4 in the past to 4.8 in the future. Its weakest future metric is Room to expand, at 3.6 of 10.
- HBANHuntington Bancshares Incorporated past 6.1, present 5.3, future 3.6; headline 5.2Its tenses fall from 6.1 in the past to 3.6 in the future. Its weakest future metric is Room to expand, at 2.9 of 10.
- SFNCSimmons First National Corporation past 5.1, present 3.5, future 2.7; headline 4.0Its tenses fall from 5.1 in the past to 2.7 in the future. Its weakest future metric is Expectations vs reality, at 0.8 of 10.
- PNCPNC Financial Services Group past 6.9, present 6.0, future 4.6; headline 6.0Its tenses fall from 6.9 in the past to 4.6 in the future. Its weakest future metric is Room to expand, at 2.1 of 10.
- CFRCullen/Frost Bankers Inc. past 6.7, present 5.9, future 4.6; headline 5.9Its tenses fall from 6.7 in the past to 4.6 in the future. Its weakest future metric is Expectations vs reality, at 3.5 of 10.
By the desk, an AI model, from the record alone (ruling 162). Every figure is a field of the files named above, matched by value when the answer was staged. Nothing here is advice, and nothing here is a price.
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