EPISODE · Jun 9, 2026 · 15 MIN
Review of FDIC Quarterly Banking Profile for 1Q 2026
from The Banker Next Door · host Dr. Joseph Bergquist
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. Link: Quarterly Banking Profile - Q1 2026 | FDIC.gov
What this episode covers
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. Link: Quarterly Banking Profile - Q1 2026 | FDIC.gov
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Review of FDIC Quarterly Banking Profile for 1Q 2026
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