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An official website of the United States government

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Search FDIC.gov Search
 * About Toggle submenu
   
   
   ABOUT
   
   The Federal Deposit Insurance Corporation (FDIC) is an independent agency
   created by the Congress to maintain stability and public confidence in the
   nation’s financial system. Learn about the FDIC’s mission, leadership,
   history, career opportunities, and more.
   
   Learn More About the FDIC
   
    * What We Do
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    * Governance
    * Ombudsman
    * Doing Business with the FDIC
   
   PRESS RELEASE / September 05, 2024
   FDIC-Insured Institutions Reported Net Income of $71.5 Billion
   PRESS RELEASE / August 21, 2024
   FDIC Board Appoints Carrie H. Cohen as Independent Monitor to Support Cult…
   PODCASTS / August 19, 2024
   The Risks of Banking
   PRESS RELEASE / June 21, 2024
   FDIC Approves the Deposit Insurance and Merger Applications for Thrivent B…
 * Resources Toggle submenu
   
   
   RESOURCES
   
   The FDIC provides a wealth of resources for consumers, bankers, analysts, and
   other stakeholders. Browse our collection of financial education materials,
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   PRESS RELEASE / September 05, 2024
   FDIC-Insured Institutions Reported Net Income of $71.5 Billion
   PRESS RELEASE / August 21, 2024
   FDIC Board Appoints Carrie H. Cohen as Independent Monitor to Support Cult…
   PODCASTS / August 19, 2024
   The Risks of Banking
   PRESS RELEASE / June 21, 2024
   FDIC Approves the Deposit Insurance and Merger Applications for Thrivent B…
 * Analysis Toggle submenu
   
   
   ANALYSIS
   
   The FDIC is proud to be a pre-eminent source of U.S. banking industry
   research, including quarterly banking profiles, working papers, and state
   banking performance data. Browse our extensive research tools and reports.
   
   More FDIC Analysis
   
    * Center for Financial Research
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    * FDIC National Survey of Unbanked and Underbanked Households
   
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    * Annual Risk Review
   
   EVENT / September 05, 2024
   FDIC-Insured Institutions Reported Net Income of $71.5 Billion
   EVENT / May 29, 2024
   Quarterly Banking Profile for First Quarter 2024
   EVENT / March 07, 2024
   Quarterly Banking Profile for Fourth Quarter 2023
   EVENT / November 29, 2023
   Quarterly Banking Profile for Third Quarter 2023
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   NEWS
   
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   PRESS RELEASE / September 05, 2024
   FDIC-Insured Institutions Reported Net Income of $71.5 Billion
   PRESS RELEASE / August 21, 2024
   FDIC Board Appoints Carrie H. Cohen as Independent Monitor to Support Cult…
   PODCASTS / August 19, 2024
   The Risks of Banking
   PRESS RELEASE / June 21, 2024
   FDIC Approves the Deposit Insurance and Merger Applications for Thrivent B…
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BOARD MEETING

The Board of Directors of the FDIC met in open session on Tuesday, September 17,
2024.

QUARTERLY BANKING PROFILE

The FDIC released the results of its latest quarterly report card on the
financial condition of the U.S. banking system. 

PRESS RELEASE

Federal Bank Regulators Issue Statement on Certain Third-Party Risks and Request
Information on Bank-Fintech Arrangements 




ABOUT THE FDIC

The Federal Deposit Insurance Corporation (FDIC) is an independent agency
created by the Congress to maintain stability and public confidence in the
nation’s financial system. The FDIC insures deposits; examines and supervises
financial institutions for safety, soundness, and consumer protection; makes
large and complex financial institutions resolvable; and manages receiverships.

Learn More

CONSUMERS

 




CONSUMERS

The FDIC provides tools, education, and news updates to help consumers make
informed decisions and protect their assets.

Electronic Deposit Insurance Estimator (EDIE)

Our Electronic Deposit Insurance Estimator (EDIE) helps you calculate how much
of your bank deposits are covered by FDIC deposit insurance and what portion of
your funds (if any) exceeds the coverage limits. EDIE en Español

Deposit Insurance FAQs

What is deposit insurance? Why does it matter to you? Check our FAQs for answers
to some of the most common questions about the FDIC and deposit insurance.


CONSUMER RESOURCES

VIEW MORE
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 * Next page

Submit a Complaint or Request Help
Submit a question, deposit insurance coverage inquiry, or complaint against an
FDIC-insured institution.
Consumer Resource Center
Information and resources to educate and protect consumers, promote economic
inclusion, and connect people with financial resources in their communities.
#GetBanked
Banking relationships generally begin with a checking or savings account, and
may lead to low-interest loans and mortgages. Learn more about the top reasons
to open a bank account.
BANKERS

 




BANKERS

The FDIC provides extensive resources for bankers, including guidance on
regulations, information on examinations, legislation insights, and training
programs.

ANNOUNCEMENT / September 16, 2021

FDIC Launches Mission-Driven Bank Fund
The FDIC today announced the launch of a new Mission-Driven Bank Fund, a capital
investment vehicle being developed by the FDIC to support insured Minority
Depository Institutions (MDIs) and Community Development Financial Institutions
(CD


BANKER RESOURCES

VIEW MORE
 * 
 * Next page

Banker Resource Center
Information and resources for banking professionals, arranged by topic.
Applications for Deposit Insurance
Access statutes, regulations, guidance, and forms for preparing certain
applications.
Financial Institutions Letters
Announcements of new regulations and policies, or other matters of interest to
banks.


 

 

ANALYSTS

 




ANALYSTS

The FDIC is proud to be a pre-eminent source of U.S. banking industry research
for analysts, including quarterly banking profiles, working papers, and state
banking performance data.

WEBINAR SERIES / Jun. 17, 2021

Banking on Data Webinar 3: Ethics of Artificial Intelligence and Machine
Learning

This series, in partnership with the Santa Clara University (SCU) Leavey School
of Business, builds on the themes of the 2019 FDIC FinTech Research Conference,
highlighting the opportunities and challenges for financial institutions,
consumers, and the financial system created by the use of big data and applied
technologies.


ANALYST RESOURCES

VIEW MORE
 * 
 * Next page

Bank Data Guide
Browse tools and resources for researching bank data.
Institution Directory
Find a bank or bank holding company and generate financial and demographic
reports.
Bank Financial Reports
Get information and forms for Call Reports and the Summary of Deposits survey.



 


Latest News
PRESS RELEASE / September 05, 2024
FDIC-Insured Institutions Reported Net Income of $71.5 Billion
PRESS RELEASE / August 21, 2024
FDIC Board Appoints Carrie H. Cohen as Independent Monitor to Support Cult…
PODCASTS / August 19, 2024
The Risks of Banking
PRESS RELEASE / June 21, 2024
FDIC Approves the Deposit Insurance and Merger Applications for Thrivent B…

--------------------------------------------------------------------------------


DATA & INSIGHTS

View moreSee previous data and insights contentSee additional data and insights
content


QUARTERLY NET INCOME

Q1 2008Q2 2024050






The banking industry reported quarterly net income of $71.5 billion in the
second quarter 2024, an increase of $779 million (1.1 percent) from a year ago.
Increase of $7.3 billion (11.4 percent) from a quarter ago.


NUMBER OF INSURED BANKS

Q4 2017Q2 2024020004000






4,539 insured institutions filed Call Reports in second quarter 2024, a decline
of 29 institutions from first quarter 2024.


DIF BALANCE

Q1 2007Q2 2024−50050100150






The Deposit Insurance Fund balance was $129.2 billion on June 30, 2024, up $3.9
billion from the end of last quarter.


DIF RESERVE RATIO

Q1 2007Q2 2024−0.500.511.5






The reserve ratio – the amount in the DIF relative to insured deposits – rose
five basis points to 1.22 percent for the quarter.


NUMBER OF “PROBLEM BANKS”

Q4 2012Q2 20240200400600800






The number of banks on the FDIC's “Problem Bank List” rose to 66 during the
quarter.



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