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Risk Review

Last Updated: May 10, 2021

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 and commitment to building trust and confidence through openness and accountability, a pillar of the agency’s Trust through Transparency Initiative.


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.


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.