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Big Bank Earnings Are In: What They Reveal About Your Mortgage Stress

  August 26, 2026 Canada's biggest banks are in the middle of reporting Q3 2026 results, and so far the headline numbers look strong. BMO and Scotiabank both beat analyst estimates this week, and National Bank of Canada reported this morning. RBC, TD, and CIBC follow Thursday, closing out the sector's earnings season. But the number that actually matters to most Canadians isn't profit — it's what the banks are setting aside for loans that might go bad, and what they're saying about who's struggling to keep up. That's where the picture gets more interesting than the headlines suggest. The headline numbers BMO kicked off the week with adjusted profit up 22% year-over-year and return on equity climbing to 14%, with the bank reiterating its target of 15% ROE by the end of fiscal 2027. Scotiabank posted what CEO Scott Thomson called a record quarter: net income of $3 billion, up 21% year-over-year, with adjusted ROE hitting 14.2% — clearing the bank's own med...
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Brewing Change: Why Your Tim Hortons Coffee Costs More

 


For the first time in three years, Tim Hortons is raising the price of its coffee. The increase is modest—about three cents per cup, or roughly 1.5 per cent—but it comes at a time when Canadians are already feeling the pinch of higher grocery bills and rising food costs.

The chain points to global pressures as the main culprit. Coffee bean prices have more than doubled in recent years, driven by poor weather in major producing countries like Brazil and Colombia, as well as tariffs that have disrupted international trade. While grocery store coffee prices have surged nearly 28 per cent in the past year, Tim Hortons insists its adjustment is “more than reasonable” and well below overall inflation.

Still, for many Canadians, the daily double-double is more than just a beverage—it’s a ritual. Even a few extra cents may be noticed, especially by regulars who stop in multiple times a day. Economists suggest that while most people won’t give up their caffeine fix, some may shift habits, perhaps brewing more at home or cutting back on extra visits.

Tim Hortons says its long-term goal remains the same: to balance affordability with the realities of a volatile global coffee market. For now, Canadians will have to swallow a little “Timflation” along with their morning brew.


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