FDIC-Insured Institutions Reported Return on Assets of 1.26 Percent and Net Income of $80.5 Billion in First Quarter 2026

WASHINGTON-The Federal Deposit Insurance Corporation (FDIC) today released the results of its latest Quarterly Banking Profile, a comprehensive summary of financial results based on reports from 4,278 insured commercial banks and savings institutions.

In first quarter 2026, FDIC-insured institutions reported a return on assets (ROA) ratio of 1.26 percent and aggregate net income of $80.5 billion, an increase of $2.8 billion (3.6 percent) from the prior quarter. The banking industry continued to maintain strong capital and liquidity levels, which support lending and protect against potential losses. Other key findings of the FDIC's Quarterly Banking Profile include:

• Net income among community banks increased 3.9 percent from the prior quarter.
• Industry net interest margin declined 8 basis points from the prior quarter to 3.31 percent as earning asset yields declined faster than funding costs.
• Domestic deposits grew 2.1 percent, the seventh consecutive quarterly increase.
• Loan growth increased 1.6 percent from the prior quarter, and annual growth accelerated to 7.1 percent.
• Asset quality metrics remained generally favorable, though some commercial real estate and consumer portfolios continue to have elevated delinquency rates.
• The Deposit Insurance Fund reserve ratio increased 1 basis point to 1.43 percent.

For more information, read the FDIC's statement with accompanying charts. Additional charts and data are available for download.