Review of FDIC Quarterly Banking Profile for 4Q of 2025
The U.S. banking industry had solid performance in the 4Q of 2025 according to the FDIC. ROA and Net Income improved significantly from 2024, Net Interest Margin improved to 3.39%, loan growth continued to expand up 5.9%, domestic deposits increased for a sixth straight quarter, and asset quality metrics remained generally favorable, but some weakness is beginning to show. Unrealized losses on securities decreased both quarterly and annually. The Deposit Insurance Fund Reserve Ratio increased to 1.42%. The FDIC Quarterly Banking Profile breaks down the financial performance of the U.S…
The skinny
The skinny isn't ready yet — notes appear once the transcript is processed.