Week 4 gave the 2026 college football season a little more clarity, and it also made the AP Top 25 look shaky in a few places.
Six ranked teams fell on Saturday, with No. 16 Louisville’s home loss to Wake Forest standing out as the biggest jolt. Iowa and Oregon also went on the road and came away with top-25 wins, while Florida kept climbing after a lopsided win over Ole Miss in Gainesville.
But not every team in the poll is holding up its end of the bargain. A few rankings feel more like reputation than reality right now.
Indiana got the kind of test it should have handled cleanly, and instead Northwestern kept things uncomfortable. At home and favored by three touchdowns, the Hoosiers never fully shook loose. Northwestern trimmed the margin to 15-13 in the fourth quarter before failing on the two-point try, and Indiana escaped 29-23.
The Hoosiers did control the yardage and scored on three of their last four possessions, but this doesn’t look like the same unbeatable outfit from last season. Curt Cignetti’s team should still get through Rutgers and Nebraska, but the October 17 trip to Ohio State is the one that will tell the real story.
Utah has stayed a little out of the spotlight because so many of its games kick off late on the East Coast, but the Utes haven’t exactly blown the doors off anyone. They handled Arkansas, though the Razorbacks won’t be much in 2026, and then went on the road for a 31-17 win over Iowa State.
Even there, the second half was a concern. The Cyclones outscored Utah 14-7 after halftime. The schedule should help the Utes hang around for a while, too, since they don’t face another ranked team until October 24, when Houston comes to town.
USC’s ranking looks even harder to justify. The Trojans slipped after a 41-27 loss to Oregon, but the bigger issue is that they never looked sharp before that. They were mediocre against Louisiana and Rutgers, and the Oregon game only reinforced the same problem.
A dirty targeting call knocked Dante Moore out of the game, and even after that USC still couldn’t keep things close. Jayden Maiava completed barely 50% of his passes, the Trojans averaged 3.6 yards per carry, and the defense continues to be a mess. USC has now allowed 30 or more points in three straight games and at least 26 in four of five.
Houston is another team getting a little too much benefit of the doubt. The Cougars opened with a shaky showing against Oregon State, then earned some respect in a top-25 loss to Texas Tech. But the follow-up was underwhelming: a 42-28 win over Georgia Southern on the road.
That’s not the kind of performance that should move a team up two spots. Georgia Southern entered at 1-3 and had scored just 34 points combined against its last two FBS opponents. Houston now gets back-to-back ranked games in October against Oklahoma State and Utah.
SMU has its own warning signs. The Mustangs trailed Missouri State 10-0 at home before pulling out a 34-24 win, and that was after a Week 0 escape against Florida State in which they outgained the Seminoles by more than 200 yards.
Against Missouri State, SMU finished with a 592-239 edge in total yards, but the game still wasn’t the kind of clean statement it needed after losing to Louisville. Kevin Jennings has thrown at least one interception in each of SMU’s three games against FBS opponents, including two picks apiece against Florida State and Louisville.
The schedule may soften for a while, with no other ranked opponent until a trip to South Bend on November 21. Even so, the Mustangs are not playing to their ceiling right now.
In Other News...
USC Quarterback's Response To Dante Moore Injury Has Oregon Fans Talking
The late sequence between USC and Oregon turned into more than just a targeting call when Dante Moore stayed down after a hit by linebacker Desman Stephens, who was ejected from the game. In the aftermath, USC quarterback Jayden Maiavas decision to remain nearby while Moore was being tended to drew attention, adding a human moment to an otherwise heated Pac-12-style collision. Moore was later diagnosed with a concussion, though scans came back clean, and Stephens was suspended for the next game.
Maiava still had to finish the job on the field, and he did so with a strong day through the air, throwing for 326 yards and two touchdowns. Afterward, he also made clear he was sympathetic to what Moore went through, a response that has resonated beyond the box score and given Oregon fans plenty to discuss after a rivalry-type matchup that ended with both injury concern and disciplinary fallout. [Read more 🡒]
USC Is Suddenly Leaning On A Freshman More Than Expected
An injury to Trent Mosley has pushed Kayden Dixon-Wyatt into a much bigger role than USC likely envisioned for a true freshman this early in the season, but the wideout has handled it with the kind of production that changes expectations fast. Against Oregon, he turned in his second 100-yard game, catching seven passes for 114 yards and a touchdown while earning an 81.0 Pro Football Focus grade for Week 4.
Through four games, Dixon-Wyatt now leads the Trojans with 25 receptions, 272 yards and three touchdowns, a striking start for a player still getting his footing at the college level. The bigger question for USC is no longer whether he can contribute, but how much of the passing game will continue to flow through him as the schedule moves forward and the Trojans adjust to life without Mosley in the mix. [Read more 🡒]
USCs Big-Budget Vision Is Facing A Credibility Test Already
USCs push to modernize the program has been one of the defining stories of the Lincoln Riley era, and it has been easy to see why the school poured so much into the effort. Early in 2023, the Trojans overhauled their personnel operation with Chad Bowden leading the new staff, added assistant coaches, and opened the Bloom Football Performance Center, all of it aimed at giving the program a more comprehensive, forward-looking foundation. The early returns were encouraging enough to justify the investment, with recruiting rankings trending upward and the win total improving in 2025.
But the selling point of a big-budget rebuild has always been credibility on the field, and that is where the conversation has started to turn. The loss to Oregon, along with persistent defensive issues, has made it harder to separate the long-term plan from the week-to-week reality, and it has put Riley under a more skeptical microscope. For a program that has been trying to show it can operate like a heavyweight again, the next stretch matters less for optics than for whether the overhaul is actually producing the kind of football USC says it is building. [Read more 🡒]