FDIC Quarterly | FDIC.gov

The FDIC Quarterly provides a comprehensive summary of the most current financial results for the banking industry, along with feature articles. These articles range from timely analysis of economic and banking trends at the national and regional level that may affect the risk exposure of FDIC-insured institutions to research on issues affecting the banking system and the development of regulatory policy. The FDIC Quarterly brings together data and analysis that were previously available through three retired publications -- the FDIC Outlook, the FDIC Banking Review, and the FYI: An Update on Emerging Issues in Banking. Past issues of these publications are archived under their original publication names.

FDIC Quarterly, 2025, Volume 19, Number 1

Quarterly Banking Profile: Fourth Quarter 2024
Net income for the 4,487 FDIC-insured commercial banks and savings institutions increased $1.5 billion (2.3 percent) from the prior quarter to $66.8 billion. The quarterly increase in net income was largely driven by the increase in net interest income, as declining short-term interest rates reduced interest expense more than interest income. The banking industry reported an aggregate return-on-assets ratio (ROA) of 1.11 percent in fourth quarter 2024, up 2 basis points from one quarter earlier and up 50 basis points from one year earlier.

Community Bank Performance
Community banks—which represent 90 percent of insured institutions—reported quarterly net income of $6.4 billion in fourth quarter 2024, a decrease of $440.7 million (6.5 percent) from third quarter 2024. Higher noninterest expense (up $931.1 million, or 5.4 percent), higher provision expenses (up $154.9 million, or 14.5 percent), and losses on the sale of securities (down $565.9 million compared to a small gain the previous quarter) more than offset increases in net interest income (up $773.7 million, or 3.6 percent) and noninterest income (up $186.5 million, or 3.7 percent). The community bank pretax ROA decreased 13 basis points from one quarter earlier but increased 3 basis points from one year earlier to 1.09 percent.
Insurance Fund Indicators
The Deposit Insurance Fund (DIF) balance increased by $4.0 billion to $137.1 billion. The rise in the DIF was primarily driven by assessment income of $3.2 billion. Interest earned on securities, negative provisions, and unrealized gains on securities also contributed a combined $1.5 billion to the fund during the quarter. These gains were partially offset by operating expenses of $0.7 billion. One institution failed during the fourth quarter. The DIF’s reserve ratio was 1.28 percent on December 31, 2024, up 3 basis points from the previous quarter and 13 basis points higher than the previous year.

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FDIC Quarterly, 2025, Volume 19, Number 1

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