FDIC Quarterly | FDIC.gov

The FDIC Quarterly provides a comprehensive summary of the most current financial results for the banking industry, along with feature articles. These articles range from timely analysis of economic and banking trends at the national and regional level that may affect the risk exposure of FDIC-insured institutions to research on issues affecting the banking system and the development of regulatory policy. The FDIC Quarterly brings together data and analysis that were previously available through three retired publications -- the FDIC Outlook, the FDIC Banking Review, and the FYI: An Update on Emerging Issues in Banking. Past issues of these publications are archived under their original publication names.

FDIC Quarterly, 2025, Volume 19, Number 2

Quarterly Banking Profile: First Quarter 2025
Net income for the 4,462 FDIC-insured commercial banks and savings institutions increased $3.8 billion (5.8 percent) from the prior quarter to $70.6 billion. The quarterly increase in net income was led by higher noninterest income (up $5.4 billion, or 7 percent). Lower losses on the sale of securities also contributed to the increase in net income. The banking industry reported an aggregate return on assets (ROA) of 1.16 percent in first quarter 2025, up from 1.11 percent in fourth quarter 2024 and up from 1.09 percent in the year-ago quarter.

Community Bank Performance
Community banks—which represent 90 percent of insured institutions—reported quarterly net income of $6.8 billion in first quarter 2025, an increase of $621.0 million (10.0 percent) from the previous quarter. Higher net interest income (up $315.7 million, 1.4 percent), lower losses on the sale of securities (up $313.7 million, 54.8 percent), lower noninterest expenses (down $423.2 million, 2.3 percent), and lower provision expenses (down $249.7 million, 19.0 percent) more than offset the lower noninterest income (down $476.6 million, 9.1 percent). The pretax ROA at community banks increased 11 basis points from one quarter earlier and increased 6 basis points from one year earlier to 1.18 percent.
Insurance Fund Indicators
The Deposit Insurance Fund (DIF) balance increased by $3.8 billion to $140.9 billion. The rise in the DIF was primarily driven by assessment income of $3.2 billion. Interest earned on securities, negative provisions, and unrealized gains on securities also contributed a combined $1.2 billion to the fund during the quarter. These gains were partially offset by operating expenses of $0.6 billion. One institution failed during the first quarter. The DIF’s reserve ratio was 1.31 percent on March 31, 2025, up 3 basis points from the previous quarter and 14 basis points higher than the previous year.

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FDIC Quarterly, 2025, Volume 19, Number 2

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