FDIC Quarterly Banking Profile First Quarter 2026

[Pallas_Boreas]

Today, the FDIC is releasing first quarter 2026 performance results for FDIC-insured institutions.

The banking industry finished the quarter with higher earnings quarter-over-quarter, resulting in a return on assets ratio (ROA) of 1.26 percent. Domestic deposits increased for the seventh consecutive quarter and loan growth was strong. Asset quality metrics remained generally favorable despite continued weakness in certain portfolios, which the FDIC continues to monitor closely. Unrealized losses remained elevated.

The banking industry continued to have strong capital and liquidity levels, which support lending and protect against potential losses.

Link: https://www.fdic.gov/news/speeches/2026/fdic-quarterly-banking-profile-first-quarter-2026

The .pdf: quarterly-banking-profile-first-quarter-2026 is the Complete Quarterly Banking Profile – Q1 2026 file listed on the link above.

Net income for the 4,278 FDIC-insured commercial banks and savings institutions totaled $80.5 billion, up $2.8 billion (3.6 percent) from the prior quarter. The rise in quarterly earnings was driven by robust growth in noninterest income at larger institutions but was partially offset by higher noninterest expenses and lower net interest income. More than half of all banks (55.2 percent) reported net income higher than the prior quarter. The banking industry reported an aggregate return on assets (ROA) ratio of 1.26 percent in first quarter 2026, up from 1.23 percent in fourth quarter 2025 and up from 1.16 percent in the year-ago quarter.

[Pallas_Boreas]

Charts on the Performance and Trends for All FDIC-Insured Institutions, Community Banks, and the Deposit Insurance Fund

• All FDIC-Insured Institutions Charts and Data - qbp-all-fdic-insured-institutions-charts-and-data-first-quarter-2026.xlsx
• Community Bank Charts and Data, Q1 2026 - qbp-community-bank-performance-charts-and-data-first-quarter-2026.xlsx
• Deposit Insurance Fund Trends Charts and Data - qbp-deposit-insurance-fund-trends-charts-and-data-first-quarter-2026.xlsx