Industry-wide results for the 4,238 FDIC-insured banks and savings institutions, for the quarter ended June 30, 2026. The FDIC published these figures on August 25, 2026; they are quarterly snapshots, not live data.
Banks earned $90.1 billion in the second quarter of 2026, up 12 percent from the first quarter. The FDIC attributed much of the increase to higher trading and fee income and to securities gains, mostly one-time gains on equity securities; trading revenue and one-time gains can swing from quarter to quarter. Return on assets, a common measure of profitability, rose to 1.37%.
Lending grew quickly: total loans rose 1.8 percent in the quarter and 6.8 percent over the year, with the biggest gains in loans to nonbank financial firms, business loans and margin loans. Measures of loan trouble improved slightly. The share of loans at least 30 days late or no longer accruing interest fell to 1.44%, and net charge-offs, the loans banks wrote off as losses, were 0.57% of loans on an annualized basis.
For depositors, the Deposit Insurance Fund, which backs insured deposits up to the legal limit, grew to $161.1 billion, or 1.48% of estimated insured deposits. The number of banks the FDIC rates as “problem banks” fell to 47, about 1.1 percent of all banks, which the FDIC describes as within the normal range for non-crisis periods.
Limits: these are totals across thousands of very different institutions, dominated by the 18 banks with more than $250 billion in assets. An improving industry average can sit alongside weakness at individual banks or in particular loan types, and the FDIC notes continued weakness in certain portfolios and elevated unrealized securities losses. The data come from banks’ quarterly reports and can be revised in later releases.
As of June 30, 2026 · USD billions
Securities gains of $5.5 billion, mostly one-time gains on equity security transactions, and higher trading and fee income drove much of the quarterly increase.
Source: FDIC statement, Chart 1As of June 30, 2026 · percent (quarterly, annualized)
As of June 30, 2026 · percent (quarterly, annualized)
As of June 30, 2026 · USD trillions
As of June 30, 2026 · percent of total loans and leases
Loans 90 or more days past due or on nonaccrual status. Noncurrent balances fell $4.7 billion (3.5 percent) from the prior quarter.
Source: FDIC QBP Q2 2026, Table V-AAs of June 30, 2026 · percent of total loans and leases
Loans 30 or more days past due or on nonaccrual status.
Source: FDIC statement, Chart 9As of June 30, 2026 · percent of loans (quarterly, annualized)
As of June 30, 2026 · banks
1.11 percent of banks. Problem banks have a CAMELS composite rating of 4 or 5; the FDIC does not name them.
Source: FDIC statement, Chart 13As of June 30, 2026 · USD billions
Not reported: the Q2 2026 problem-institution table gives the number of problem banks but no asset total for them.
Source: FDIC QBP Q2 2026, Table II-CAs of June 30, 2026 · USD billions
As of June 30, 2026 · percent of estimated insured deposits
As of June 30, 2026 · institutions
Four banks opened, 36 were absorbed by mergers, four were sold to non-FDIC-insured institutions and one failed during the quarter. Excludes insured branches of foreign banks.
Source: FDIC QBP Q2 2026, Table II-AAs of June 30, 2026 · USD billions
5.5 percent of amortized cost. Covers only the gap between market and book value of non-equity securities.
Source: FDIC statement, Chart 7As of June 30, 2026 · percent
Quarterly values from the chart data the FDIC published with its Q2 2026 report, as reported in that release (earlier quarters may differ slightly from figures first published at the time).
| Quarter | Return on assets |
|---|---|
| Q1 ’24 | 1.09% |
| Q2 ’24 | 1.20% |
| Q3 ’24 | 1.09% |
| Q4 ’24 | 1.10% |
| Q1 ’25 | 1.16% |
| Q2 ’25 | 1.14% |
| Q3 ’25 | 1.27% |
| Q4 ’25 | 1.23% |
| Q1 ’26 | 1.26% |
| Q2 ’26 | 1.37% |
| Quarter | Net interest margin |
|---|---|
| Q1 ’24 | 3.18% |
| Q2 ’24 | 3.16% |
| Q3 ’24 | 3.23% |
| Q4 ’24 | 3.27% |
| Q1 ’25 | 3.25% |
| Q2 ’25 | 3.26% |
| Q3 ’25 | 3.34% |
| Q4 ’25 | 3.39% |
| Q1 ’26 | 3.31% |
| Q2 ’26 | 3.32% |
| Quarter | Net charge-off rate |
|---|---|
| Q1 ’24 | 0.65% |
| Q2 ’24 | 0.68% |
| Q3 ’24 | 0.67% |
| Q4 ’24 | 0.71% |
| Q1 ’25 | 0.67% |
| Q2 ’25 | 0.60% |
| Q3 ’25 | 0.61% |
| Q4 ’25 | 0.63% |
| Q1 ’26 | 0.59% |
| Q2 ’26 | 0.57% |
| Quarter | Past-due and nonaccrual rate |
|---|---|
| Q1 ’24 | 1.48% |
| Q2 ’24 | 1.48% |
| Q3 ’24 | 1.54% |
| Q4 ’24 | 1.60% |
| Q1 ’25 | 1.59% |
| Q2 ’25 | 1.50% |
| Q3 ’25 | 1.49% |
| Q4 ’25 | 1.56% |
| Q1 ’26 | 1.53% |
| Q2 ’26 | 1.44% |
| Quarter | Problem banks |
|---|---|
| Q1 ’24 | 63 |
| Q2 ’24 | 66 |
| Q3 ’24 | 68 |
| Q4 ’24 | 66 |
| Q1 ’25 | 63 |
| Q2 ’25 | 59 |
| Q3 ’25 | 57 |
| Q4 ’25 | 60 |
| Q1 ’26 | 54 |
| Q2 ’26 | 47 |
| Quarter | DIF reserve ratio |
|---|---|
| Q1 ’24 | 1.17% |
| Q2 ’24 | 1.21% |
| Q3 ’24 | 1.25% |
| Q4 ’24 | 1.28% |
| Q1 ’25 | 1.31% |
| Q2 ’25 | 1.36% |
| Q3 ’25 | 1.40% |
| Q4 ’25 | 1.42% |
| Q1 ’26 | 1.43% |
| Q2 ’26 | 1.48% |
Credit card loans 30 or more days past due or on nonaccrual fell 27 basis points from the prior quarter to 2.81 percent. The net charge-off rate on credit card loans was 4.00 percent for the first half of 2026, the highest among the major loan categories in the FDIC loan-performance table. FDIC QBP Q2 2026, Insured Institution Performance and Table V-A
At banks with more than $250 billion in assets, the past-due and nonaccrual rate on non-owner-occupied commercial real estate loans declined for a seventh straight quarter to 3.08 percent. That is below a 4.99 percent peak in the third quarter of 2024 but above the 0.59 percent average of 2015 through 2019. The same rate was 1.48 percent at banks with $100 million to $1 billion in assets and 2.10 percent at banks under $100 million. Across all banks, the nonfarm nonresidential net charge-off rate was 0.12 percent for the first half of 2026. FDIC statement, Chart 10, and QBP Table V-A
Unrealized losses on securities totaled $326.7 billion, or 5.5 percent of amortized cost, compared with 6.8 percent a year earlier. Held-to-maturity securities accounted for $216.9 billion of the losses. FDIC QBP Q2 2026, Insured Institution Performance
Domestic deposits rose 0.8 percent, an eighth straight quarterly increase. Estimated uninsured domestic deposits rose $317.4 billion (3.8 percent) and accounted for all of the increase, while estimated insured deposits fell 1.0 percent. FDIC statement, Chart 12, and QBP Insurance Fund Indicators
Loans to nondepository financial institutions rose $49.8 billion (3.4 percent) in the quarter and $279.1 billion (22.4 percent) from a year earlier. FDIC QBP Q2 2026, Insured Institution Performance
The next Quarterly Banking Profile will cover the third quarter of 2026. The FDIC says the QBP is published about 55 days after the end of each quarter, around late May, late August, late November and late February. A specific Q3 2026 release date was not posted on the QBP page when checked. FDIC Quarterly Banking Profile
Source: Federal Deposit Insurance Corporation (FDIC), Quarterly Banking Profile, Second quarter 2026, released August 25, 2026. Original Q2 2026 Quarterly Banking Profile release of August 25, 2026: the FDIC statement with chart data, the press release and the full report PDF. The FDIC 2Q 2026 QBP page shows a last-updated date of September 1, 2026; no restated headline figures were found on it when checked. Figures last checked against FDIC pages on October 12, 2026. Industry figures exclude insured branches of foreign banks except where the FDIC notes otherwise (the Deposit Insurance Fund table includes them). FDIC statement with chart data, Q2 2026 · FDIC press release, August 25, 2026 · Quarterly Banking Profile, Q2 2026 (PDF) · Q2 2026 QBP data downloads