The country’s biggest banks said American consumers appeared to be on steadier financial footing in the third quarter, with executives suggesting the economy has either reached or neared a soft landing. JPMorgan Chase Bank of America Citigroup and Wells Fargo said consumers continued to spend and borrow at a healthy clip, helped by a resilient job market and wage growth that has outpaced inflation. The banks appeared more confident than in previous quarters that the trend would hold up against still-elevated interest rates and several years of price increases.