About the FDIC
The Federal Deposit Insurance Corporation (FDIC) is an independent agency created by the Congress to maintain stability and public confidence in the nation’s financial system. The FDIC insures deposits; examines and supervises financial institutions for safety, soundness, and consumer protection; makes large and complex financial institutions resolvable; and manages receiverships.
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Consumers
The FDIC provides tools, education, and news updates to help consumers make informed decisions and protect their assets.
#GetBanked
If you are in one of the millions of U.S. households without a bank account, and you are looking to open an account, there are resources available to help you get started. Banking relationships generally begin with a checking or savings account, and may lead to low-interest loans and mortgages. Learn more about the top reasons to open a bank account.
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Consumer Resources
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Bankers
The FDIC provides extensive resources for bankers, including guidance on regulations, information on examinations, legislation insights, and training programs.
FDIC Launches Mission-Driven Bank Fund The FDIC today announced the launch of a new Mission-Driven Bank Fund, a capital investment vehicle being developed by the FDIC to support insured Minority Depository Institutions (MDIs) and Community Development Financial Institutions (CDFIs).
Banker Resources
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Analysts
The FDIC is proud to be a pre-eminent source of U.S. banking industry research for analysts, including quarterly banking profiles, working papers, and state banking performance data.
Banking on Data Webinar 3: Ethics of Artificial Intelligence and Machine Learning
This series, in partnership with the Santa Clara University (SCU) Leavey School of Business, builds on the themes of the 2019 FDIC FinTech Research Conference, highlighting the opportunities and challenges for financial institutions, consumers, and the financial system created by the use of big data and applied technologies.
Analyst Resources
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Latest News
Data & Insights
Quarterly Net Income
The banking industry reported quarterly net income of $59.7 billion in the first quarter, a decrease of $17 billion (22.2%) from a year ago.
Number of Insured Banks
4,796 insured institutions filed Call Reports in first quarter 2022, a decline of 43 institutions from fourth quarter 2021.
DIF Funding
The Deposit Insurance Fund balance was $123.0 billion on March 31, down $100 million from December 31.
Community Bank Growth
Community banks reported quarterly net income of $7.0 billion, a decrease of 14% from a year ago.
DIF Reserve Ratio
The reserve ratio – the amount in the DIF relative to insured deposits – decreased 4 basis points from the previous quarter.
Number of “Problem Banks”
The number of banks on the FDIC’s “Problem Bank List” declined to 40 during this quarter.