美国银行业巨头表示，尽管总统特朗普的关税政策引发市场震荡，消费者财务状况仍保持稳健，但高管们警告未来可能出现疲软迹象。 摩根大通首席财务官杰里米·巴纳姆在分析师电话会议中指出："消费者整体状况良好。"该行第二季度信贷损失拨备为28.5亿美元，较上年同期减少约6.5%。 摩根大通、花旗集团和富国银行第二季度利润均超分析师预期，这得益于交易活动反弹及消费者支出展现的韧性。富国银行首席执行官查理·沙夫向分析师强调："失业率低位运行且通胀受控，消费者与企业持续强劲；信用卡支出增长虽在第二季度微幅放缓，但仍高于去年同期水平。" 汽车贷款与信用卡还款超预期增长，促使富国银行减少冲销额及潜在贷款损失拨备。 然而，高管们对消费者应对进口商品关税上升的冲击表示忧虑。最新消费者价格指数显示，6月美国消费者物价上涨0.3%，创五个月来最大涨幅，暗示关税正开始推高通胀。 花旗集团首席执行官马克·梅森向记者预测，下半年支出将趋缓："消费者健康度依然稳固，但随着关税效应逐步显现，我们预计下半年消费将进一步降温。"该行第二季度信贷成本升至29亿美元，主要源于美国信用卡业务的净损失。
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