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An official website of the United States government

The .gov means it's official.
Federal government websites often end in .gov or .mil. Before sharing sensitive
information, make sure you’re on a federal government site.

The site is secure.
The https:// ensures that you are connecting to the official website and that
any information you provide is encrypted and transmitted securely.

 * About
   
   
   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
    * Leadership
    * Careers
    * Diversity & Inclusion
    * Initiatives
   
    * Strategic Plans
    * Financial Reports
    * History
    * Governance
    * Ombudsman
    * Doing Business with the FDIC
   
   Press Release / May 29, 2024
   
   FDIC-Insured Institutions Reported Net Income of $64.2 Billion
   
   Podcasts / May 21, 2024
   
   Material Loss Reviews
   
   Speeches and Testimony / May 16, 2024
   
   FDIC Chairman Gruenberg Offers Testimony on State of U.S. Banking System
   
   Board Item / May 6, 2024
   
   FDIC Board of Directors approved a Notice of Proposed Rulemaking on
   Incentive-based Compensation Arrangements.
 * Resources
   
   
   RESOURCES
   
   The FDIC provides a wealth of resources for consumers, bankers, analysts, and
   other stakeholders. Browse our collection of financial education materials,
   data tools, documentation of laws and regulations, information on important
   initiatives, and more.
   
    * Additional FDIC Resources
   
    * Consumer Resource Center
    * Banker Resource Center
    * Deposit Insurance
    * Supervision & Examinations
    * Laws & Regulations
    * Resolutions
   
    * Publications
    * Forms
    * Data Tools
    * Community Banking Research Program
    * Coronavirus Response
    * International Seminars and Training
   
   Press Release / May 29, 2024
   
   FDIC-Insured Institutions Reported Net Income of $64.2 Billion
   
   Podcasts / May 21, 2024
   
   Material Loss Reviews
   
   Speeches and Testimony / May 16, 2024
   
   FDIC Chairman Gruenberg Offers Testimony on State of U.S. Banking System
   
   Board Item / May 6, 2024
   
   FDIC Board of Directors approved a Notice of Proposed Rulemaking on
   Incentive-based Compensation Arrangements.
 * Analysis
   
   
   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
    * Consumer Research
    * FDIC National Survey of Unbanked and Underbanked Households
   
    * Quarterly Banking Profile
    * FDIC Academic Challenge
    * FDIC Banking Issues in Focus
    * Annual Risk Review
   
   Event / May 29, 2024
   
   Quarterly Banking Profile for First Quarter 2024
   
   Event / March 7, 2024
   
   Quarterly Banking Profile for Fourth Quarter 2023
   
   Event / November 29, 2023
   
   Quarterly Banking Profile for Third Quarter 2023
   
   Event / September 7, 2023
   
   Quarterly Banking Profile for Second Quarter 2023
 * News
   
   
   NEWS
   
   The FDIC publishes regular updates on news and activities. Keep up with FDIC
   announcements, read speeches and testimony on the latest banking issues,
   learn about policy changes for banks, and get the details on upcoming
   conferences and events.
   
    * Find More FDIC News
   
    * Press Releases
    * Financial Institution Letters
    * Conferences & Events
    * Board Matters
    * Natural Disasters
    * Media Campaigns
   
    * Speeches, Statements & Testimonies
    * Podcasts
    * Videos
    * Opinion Editorials
    * Policy Fact Sheets
   
   Press Release / May 29, 2024
   
   FDIC-Insured Institutions Reported Net Income of $64.2 Billion
   
   Podcasts / May 21, 2024
   
   Material Loss Reviews
   
   Speeches and Testimony / May 16, 2024
   
   FDIC Chairman Gruenberg Offers Testimony on State of U.S. Banking System
   
   Board Item / May 6, 2024
   
   FDIC Board of Directors approved a Notice of Proposed Rulemaking on
   Incentive-based Compensation Arrangements.
 * Search
   Search FDIC.gov Search
   
   Advanced Search
   
   How Can We Help You? I am a... Bank Customer Banker Consumer Small Business
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   explore based on who you are I want to... Get Started

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Event


FDIC ADVISORY COMMITTEE ON ECONOMIC INCLUSION (COME-IN)

Tuesday, June 4th 9:00 A.M. ET

Speeches and Testimony


FDIC CHAIRMAN GRUENBERG OFFERS TESTIMONY ON STATE OF U.S. BANKING SYSTEM

Event


FDIC UNVEILS IMMERSIVE TIMELINE OF AGENCY’S HISTORY AND MISSION



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


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 FAQ

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 See previous consumers resources content See additional consumers
resources content
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.

BankFind Suite

The BankFind Suite allows you to search FDIC’s records for information on
insured banking institutions, including to verify if a company does have deposit
insurance.

Money Smart — A Financial Education Program

Grow your financial knowledge and teach others about finances.

Deposit Insurance

Learn what deposit insurance covers and find useful resources.

FDIC Consumer News

Get practical guidance on using financial services smartly and safely.

Consumer Assistance & Information

Explore key banking topics and learn how to protect yourself from fraud.

Teachers Online Resource Center

Get tools and materials to bring financial education into the classroom.

Youth Employment Resource Center

Get resources for financial education and deposit account access for young
people.




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
(CDFIs).




BANKER RESOURCES

View more See previous banker resources content See additional banker resources
content
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.

Bank Employee’s Guide To Deposit Insurance

Learn about FDIC’s rules and requirements for deposit insurance coverage.

Community Banking Initiatives

Browse resources about community banks and their vital role.

Bank Data & Reports

Generate financial and demographic reports on banks or bank holding companies.

Bank Financial Reports

Get information and forms for Call Reports and the Summary of Deposits survey.

FDIC Laws, Regulations, & Related Acts

Browse a bimonthly compilation of important banking-related materials.

Community Reinvestment Act (CRA)

Learn about the CRA, find a bank’s current CRA rating, and review additional
resources.

Uniform Bank Performance Reports

Review the impact of decisions and economic conditions on a bank’s performance.

Conferences & Events

See upcoming events that include the FDIC and browse materials from past events.




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 See previous analyst resources content See additional analyst
resources content
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.

Uniform Bank Performance Reports

Review the impact of decisions and economic conditions on a bank's performance.

Statistics on Depository Institutions (SDI)

Get the latest financial and demographic data for every FDIC-insured
institution.

Summary of Deposits

Get a listing of branch office locations and their reported deposits.

Deposit Market Share Report

See the percentage of deposits for each FDIC-insured institution in an area.

FDIC Quarterly

Read a comprehensive summary of current financial results for the banking
industry.

Center for Financial Research (CFR)

Review research on topics important to the FDIC mission.

Historical Bank Data

Read annual summaries of financial and structure data for FDIC-insured
institutions.

Consumer Research

Explore initiatives and research on the economic inclusion of U.S. households.



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


LATEST NEWS

Press Release / May 29, 2024

FDIC-Insured Institutions Reported Net Income of $64.2 Billion

Podcasts / May 21, 2024

Material Loss Reviews

Speeches and Testimony / May 16, 2024

FDIC Chairman Gruenberg Offers Testimony on State of U.S. Banking System

Board Item / May 6, 2024

FDIC Board of Directors approved a Notice of Proposed Rulemaking on
Incentive-based Compensation Arrangements.


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


DATA & INSIGHTS

View more See previous data and insights content See additional data and
insights content


QUARTERLY NET INCOME

Q1 2008Q1 2024050




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The banking industry reported quarterly net income of $64.2 billion in the first
quarter, a decrease of $15.6 billion (19.6 percent) from a year ago.


NUMBER OF INSURED BANKS

Q4 2017Q1 2024020004000




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4,568 insured institutions filed Call Reports in first quarter 2024, a decline
of 19 institutions from fourth quarter 2023.


DIF BALANCE

Q1 2007Q1 2024−50050100150




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The Deposit Insurance Fund balance was $125.3 billion on March 28, 2024, up $3.5
billion from the end of last quarter.


DIF RESERVE RATIO

Q1 2007Q1 2024−0.500.511.5




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The reserve ratio — the amount in the DIF relative to insured deposits — rose
two basis points for 1.17 percent for the quarter.


NUMBER OF “PROBLEM BANKS”

Q4 2012Q1 20240200400600800




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The number of banks on the FDIC’s “Problem Bank List” rose to 63 during the
quarter.


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