Risk Review
The Risk Review provides a summary of risks that may ultimately affect FDIC-insured institutions and the FDIC's Deposit Insurance Fund. Much of the discussion in the report focuses on risks that may affect community banks, as FDIC is the primary federal regulator for the majority of community banks in the United States. The Risk Review contributes to the FDIC's mission to maintain stability in the nation's financial system.
2024
The 2024 Risk Review provides an overview of banking conditions in 2023 in five broad categories: market risks, credit risks, operational risks, crypto-asset risks, and climate-related financial risks. The market risks areas discussed are liquidity, deposits and funding, and net interest margins and interest rate risk. The credit risks areas discussed are commercial real estate, residential real estate, consumer, agriculture, small business, corporate debt and leveraged lending, nonbanks, and energy.
2023
The 2023 Risk Review provides a comprehensive summary of key developments and risks in the U.S. banking system, as in prior reports, and includes a new section focused on crypto-asset risk. This year's report incorporates data for 2022 through first quarter 2023, with insights related to the stress to the banking sector that emerged in March 2023.
2022
The 2022 Risk Review expands coverage of risks from prior reports by examining operational risk to banks from cyber threats and illicit activity and climate-related financial risks to banking organizations. Monitoring these risks is among the FDIC's top priorities.
2021
The 2021 Risk Review continues the FDIC's coverage of the credit and market risk topics covered in the 2019 report. New to the 2021 Risk Review are coverage of consumer debt and small business lending in the credit risk section and a focus on banking sector performance during the COVID-19 pandemic.
2019
The 2019 Risk Review summarizes conditions in the U.S. economy, financial markets, and banking industry, and presents key risks to banks in two broad categories: credit risk and market risk. Among the credit risk areas discussed are agriculture, commercial real estate, energy, housing, leveraged lending and corporate debt, and nonbank lending. Market risks discussed in the report include interest rate risk and deposit competition, and liquidity.