The FDIC Quarterly Banking Profile covers key financial activity for the banking industry, community banks, and the Deposit Insurance Fund (DIF). For the 1Q 2026, Net Income rose, Net Interest Margin decreased, loan growth continued, domestic deposits increased for the seventh consecutive quarter, and asset quality metrics remained generally favorable. Additionally, provision expense rose from the previous quarter, unrealized losses on securities increased from 4Q 2025, and banking industry assets increased. The number of problem banks decreased in the quarter. The DIF reserve ratio increased to 1.43%. This episode examined the FDIC Quarterly Banking Profile report for the 1st quarter of 2026. A link to the report is included below.<br><br>Link: Quarterly Banking Profile - Q1 2026 | FDIC.gov

Review of FDIC Quarterly Banking Profile for 1Q 2026

The Banker Next Door

How's everyone doing today? Welcome back to another episode of The Banker Next Door. I'm your host, Dr. Joseph Bergquist. So today we're going to be covering the FDIC Quarterly Banking Profile Report, one of the favorite reports that I love to cover throughout the year. This is a quarterly report that is put out by the FDIC, and this is for the fourth quarter of 2026. And I'm basically going to bring this up right here for us to look at. Now, for anyone who has watched these episodes in the past, I usually try to break these down very quickly.

But how this report goes, it basically starts out with all banks. And then the second part of the report, it gets into community banks. And then in the last part of the report, it talks about the DIF, the Deposit Insurance Fund. So what we get out of this report is basically a very quick overview of how the banking industry is performing for the first quarter of 2026. And I love this report because it's kind of short and sweet and to the point.

It gives you all the highlights that you're looking for, and it's really good. So without further ado, let's get into this. Oh, and I will make a note. So after we're done looking at this, the other thing that the FDIC gives you, because we'll go back to the FDIC website, is they do give you a nice breakdown of about eight different charts that they put in with this. So like I said, we'll run through this for about six minutes. And then I want to take two minutes to just show everybody those charts real quick.

Review of FDIC Quarterly Banking Profile for 1Q 2026

Read the full transcript

The candid version is on a podcast,
not the earnings call.

Review of FDIC Quarterly Banking Profile for 1Q 2026

Read the full transcript

The candid version is on a podcast, not the earnings call.

The candid version is on a podcast,
not the earnings call.