The Federal Deposit Insurance Corporation (FDIC) has released its latest Quarterly Banking Profile, detailing the financial performance of 4,336 insured commercial banks and savings institutions for the fourth quarter of 2025.
According to the report, FDIC-insured institutions recorded a return on assets (ROA) ratio of 1.24 percent in the fourth quarter. Aggregate net income for these institutions reached $77.7 billion, representing a decrease of $1.6 billion or 2 percent compared to the previous quarter.
For the entire year, FDIC-supervised institutions reported net income totaling $295.6 billion, which marks a 10.2 percent increase from 2024 levels. The report also notes that banks continued to maintain strong capital and liquidity positions during this period.
The FDIC stated that these levels help support lending activities and provide protection against potential losses.
Further details and accompanying charts are available through the FDIC’s official statement and data resources.
