The latest Quarterly Banking Profile from the Federal Deposit Insurance Corporation (FDIC) found that the agency’s insured institutions saw a modest return on their assets in the last quarter of 2025.
The FDIC said its comprehensive summary of financial results from its more than 4,300 insured commercial banks and savings institutions saw an overall 1.24 percent return on assets. However, the report found that the institution’s aggregate net income fell to $77.7 billion, down $1.6 billion (2 percent) from the prior quarter.
For the full year, FDIC-supervised institutions reported a net income of $295.6 billion, an increase of about 10 percent over 2024.
“The banking industry continued to maintain strong capital and liquidity levels, which support lending and protect against potential losses,” the agency said.
The report also found that net interest for the institutions rose to 3.39 percent, driven by a 2.2 percent increase in net interest income. Loan growth accelerated to 20 percent over Q3, and annual growth increased to 5.9 percent.
Domestic deposits grew by 1.8 percent, the report found, the sixth consecutive quarterly increase. However, net income amongst community banks fell 3.8 percent from the prior quarter. Overall, the FDIC reported, asset quality metrics remained generally favorable, even though some commercial real estate and consumer portfolios have elevated delinquency rates.
The report said the Deposit Insurance Fund Reserve Ratio increased 2 basis points to 1.42 percent.