Review of OCC Semiannual Risk Perspective report for Spring 2026

The semiannual OCC report on risks to the U.S. banking system found that bank financials remain sound but risks around cyber threats and fraud continue to be a concern.  Bank earnings, balance sheets, liquidity, and capital levels remain strong by historical standards. Credit risk is manageable but there are concerns such as the maturity wall and private credit. Past-due, nonaccrual, and charge-offs remain below long-term averages. Cyber and various types of fraud threats remain a concern. Recent developments in AI present opportunities and challenges. This episode reviewed the OCC Semiannual Risk Perspective report for Spring 2026. A link to the report is included below. Link: OCC’s Semiannual Risk Perspective Highlights Key Risks in Federal Banking System | OCC