Risk Review
The Risk Review provides an overview of funding, interest rate, and credit risks banks faced in 2025. Changes in interest rates can present risks for banks stemming from changes in securities values, declines in profitability, and funding challenges. The discussion of funding and interest rate risk covers net interest margins, unrealized losses on securities, liquidity, deposit growth, and wholesale funding. Credit risks are inherent in lending exposures and represent potential for losses from loans, particularly as borrower financial conditions deteriorate. The report covers credit risks and trends in commercial real estate, nondepository financial institution lending, business lending, consumer lending, residential real estate, and agriculture.
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- Introduction
- Section 1: Executive Summary
- Section 2: Overview of Market Conditions and Banking Performance
- 2.1 Economic and Financial Market Conditions
- 2.2 Banking Performance Overview
- Section 3: Funding and Interest Rate Risk
- Section 4: Credit Risks
- 4.1 Commercial Real Estate
- 4.2 Nondepository Financial Institution Lending
- 4.3 Business Lending
- 4.4 Consumer Lending
- 4.5 Residential Real Estate
- 4.6 Agriculture
- Acronyms and Abbreviations
- Glossary of Terms