Episode Details

The FDIC Quarterly Banking Profile shows the performance of the bank industry but also breaks down the performance of community banks for the quarter and the performance of the Deposit Insurance Fund or DIF. The banking had the following results for the second quarter: Net income rose, net interest margin increased, net operating revenue increased, noninterest expense increased, provision expense declined, asset quality metrics improved, unrealized losses on securities increased and remain an issue for the industry, industry assets increased, loan growth was broad-based, domestic deposits increased for the eight consecutive quarter, capital ratios declined, but are still strong, the number of problem banks decreased, and four banks opened in the 2nd quarter. The number of FDIC insured institutions decreased to 4,238. Community bank performance was equally strong. DIF increased by $3.7 billion to $161.1 billion. DIF reserve ratio increased to 1.48%. One institution failed in the 2nd quarter. This episode reviewed the FDIC Quarterly Banking Profile for the 2nd quarter of 2026. Links to the report and charts are included below.  

Link: FDIC Quarterly Banking Profile - Second Quarter 2026

Link: FDIC Quarterly Banking Profile Second Quarter 2026 | FDIC.gov