The Office of the Comptroller of the Currency published its Semiannual Risk Perspective for Fall 2025, setting out key issues facing the federal banking system. The report characterises the system as sound, with satisfactory balance sheets and high capital and liquidity ratios positioned to absorb potential stress, while noting that financial innovation presents opportunities but underinvestment in new technologies, products and services could create material risks to long-term performance and institutional viability. The report highlights credit, market, operational and compliance risks as key themes. It notes that commercial and retail loan portfolio delinquencies, loss rates, and noncurrent and classified levels remain manageable, and that liquidity remains sound. It also flags an increase in threats from foreign state-sponsored actors and sophisticated cybercriminal groups targeting the financial sector, alongside challenges from elevated and increasingly sophisticated fraud, including scams.
Office of the Comptroller of the Currency 2025-12-16
Office of the Comptroller of the Currency publishes Fall 2025 Semiannual Risk Perspective highlighting cyber threats, fraud and core risk themes
The Office of the Comptroller of the Currency's Semiannual Risk Perspective for Fall 2025 affirms the federal banking system's soundness with strong balance sheets and high capital and liquidity ratios. It identifies credit, market, operational, and compliance risks as key themes, highlights manageable loan delinquencies and sound liquidity, and warns of rising threats from foreign state-sponsored actors, sophisticated cybercriminals, and increasing fraud challenges.