Group 1 - The core viewpoint is that US bank earnings are continuing to grow, supported by improving net interest margins, which contribute to strong returns [3] - Despite the positive earnings growth, there are concerns among investors regarding potential declines in credit quality, which may overshadow the benefits of improved margins [2] Group 2 - The expansion of net interest margins is a significant factor in the strong performance of banks, indicating a favorable environment for profitability [2] - Investors are increasingly cautious, reflecting worries about the sustainability of credit quality amidst the backdrop of rising interest rates [2][3]