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FDIC-Insured Institutions Reported Return on Assets of 1.24 Percent and Net Income of $77.7 Billion in Fourth Quarter 2025

February 24, 2026

WASHINGTON— The Federal Deposit Insurance Corporation (FDIC) today released the results of its latest Quarterly Banking Profile, a comprehensive summary of financial results based on reports from 4,336 insured commercial banks and savings institutions. 

In fourth quarter 2025, FDIC-insured institutions reported a return on assets (ROA) ratio of 1.24 percent and aggregate net income of $77.7 billion, a decrease of $1.6 billion (2.0 percent) from the prior quarter. For the full year, FDIC-supervised institutions reported net income of $295.6 billion, a 10.2 percent increase from 2024. The banking industry continued to maintain strong capital and liquidity levels, which support lending and protect against potential losses. Other key findings of the FDIC’s Quarterly Banking Profile include:

  • The net interest margin rose from the previous quarter to 3.39 percent, driven by a 2.2 percent increase in net interest income.
  • Net income among community banks decreased 3.8 percent from the prior quarter.
  • Loan growth accelerated to 2.0 percent from the prior quarter, and annual growth increased to 5.9 percent.
  • Domestic deposits grew 1.8 percent, the sixth consecutive quarterly increase.  
  • Asset quality metrics remained generally favorable, though some commercial real estate and consumer portfolios have elevated delinquency rates.
  • The Deposit Insurance Fund Reserve Ratio increased 2 basis points to 1.42 percent.

For more information, read the FDIC’s statement with accompanying charts. Additional charts and data are available for download.

Contact(s)

MediaRequests@fdic.gov

Last Updated: February 24, 2026