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U.S. Bank Profitability
Return on assets (annualized) and the share of banks reporting a quarterly loss, all FDIC-insured institutions
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FDIC Quarterly Banking Profile, all FDIC-insured commercial banks and savings institutions. The share of unprofitable banks runs higher in fourth quarters, when banks book year-end adjustments.
Industry earnings, dominated by the biggest banks, beside the share of all banks that lost money, which counts a small bank the same as a giant.
What this chart reads
- U.S. Banks Return on Assets (FDIC, Quarterly)as “Return on assets, %”latest 2026-06-30
- Share of U.S. Banks Losing Money (FDIC, Quarterly)as “Banks losing money, % of banks”latest 2026-06-30
Sources
U.S. Banks Return on Assets (FDIC, Quarterly). Source: Federal Deposit Insurance Corporation, Quarterly Banking Profile, "QBP time series spreadsheets" workbook (sheet "Ratios by Asset Size Groups", block "Quarterly Return on Assets", row "All Insured Institutions"), linked from fdic.gov/quarterly-banking-profile each quarter. Public domain: the FDIC data catalog (fdic.gov/data.json) licenses its banking data under the U.S. public domain label, use restriction "Unrestricted". Source: FDIC. Refreshed weekly, which re-reads the full history from the newest QBP.
Share of U.S. Banks Losing Money (FDIC, Quarterly). Source: Federal Deposit Insurance Corporation, Quarterly Banking Profile, "QBP time series spreadsheets" workbook (sheet "Ratios by Asset Size Groups", block "Percent of Institutions Reporting Negative Quarterly Net Income", row "All Insured Institutions"), linked from fdic.gov/quarterly-banking-profile each quarter. Public domain: the FDIC data catalog (fdic.gov/data.json) licenses its banking data under the U.S. public domain label, use restriction "Unrestricted". Source: FDIC. Refreshed weekly, which re-reads the full history from the newest QBP.
Charts are drawn from Palanor's signal library and recomputed from source data on every view. Transformations (changes, indexing, year-on-year rates) are Palanor's.