The Federal Deposit Insurance Corporation published its Quarterly Banking Profile summarizing financial results for 4,336 insured commercial banks and savings institutions. FDIC-insured institutions reported a return on assets of 1.24 percent and aggregate net income of USD 77.7 billion in fourth quarter 2025, down USD 1.6 billion (2.0 percent) from the prior quarter, while FDIC-supervised institutions recorded full-year net income of USD 295.6 billion, up 10.2 percent from 2024. Net interest margin increased to 3.39 percent, driven by a 2.2 percent rise in net interest income. Community banks’ net income fell 3.8 percent from the prior quarter, loan growth accelerated to 2.0 percent with annual growth of 5.9 percent, and domestic deposits rose 1.8 percent for a sixth consecutive quarterly increase. Asset quality metrics were described as generally favorable, although some commercial real estate and consumer portfolios showed elevated delinquency rates, and the Deposit Insurance Fund reserve ratio increased 2 basis points to 1.42 percent.
Federal Deposit Insurance Corporation 2026-02-24
Federal Deposit Insurance Corporation releases Quarterly Banking Profile showing $77.7 billion net income and 1.24 percent ROA in Q4 2025
The FDIC's Quarterly Banking Profile reported a return on assets of 1.24% and net income of USD 77.7 billion for FDIC-insured institutions in Q4 2025, a 2.0% decrease from the previous quarter. Net interest margin rose to 3.39% due to a 2.2% increase in net interest income, while community banks saw a 3.8% decline in net income. Asset quality remained favorable despite elevated delinquency rates in some portfolios, and the Deposit Insurance Fund reserve ratio increased to 1.42%.