Episode Details

The semiannual OCC report on risks to the U.S. banking system found that bank financials remain sound but risks around cyber threats and fraud continue to be a concern.  Bank earnings, balance sheets, liquidity, and capital levels remain strong by historical standards. Credit risk is manageable but there are concerns such as the maturity wall and private credit. Past-due, nonaccrual, and charge-offs remain below long-term averages. Cyber and various types of fraud threats remain a concern. Recent developments in AI present opportunities and challenges. This episode reviewed the OCC Semiannual Risk Perspective report for Spring 2026. A link to the report is included below.

Link: OCC’s Semiannual Risk Perspective Highlights Key Risks in Federal Banking System | OCC