The U.S. Office of the Comptroller of the Currency (OCC) released its Semiannual Risk Perspective for Fall 2025.
The publication reported on the key issues facing banks and the federal banking system. Specifically, it reported that the strength of the federal banking system remains sound. Balance sheets remain satisfactory with high capital and liquidity ratios that are well-positioned to absorb potential stress.
Further, the review revealed that financial innovation presents banking opportunities. In addition, a lack of investment in new technologies, products, and services may present material risks to long-term bank performance and viability of institutions.
The OCC points out that it seeks to foster a regulatory environment that enables banks to advance their businesses and client interests while managing financial risks and operating in a safe and sound manner.
In the report, the OCC highlighted credit, market, operational, and compliance risks, as key risk themes. Highlights from the report include:
- Commercial and retail loan portfolio delinquencies, loss rates, and non current and classified levels remain manageable.
- Liquidity remains sound.
- The OCC has observed an increase in threats posed by foreign state-sponsored actors and sophisticated cybercriminal groups, targeting the financial sector.
- Banks continue to face challenges from elevated levels and sophistication of fraud, including scams.
The Office of the Comptroller of the Currency charters, regulates, and supervises national banks and federal savings associations and licenses, regulates, and supervises the federal branches and agencies of foreign banking organizations.