Problem Banks as a Share of All Banks (FDIC)

## What this measures

The number of banks on the FDIC’s Problem Bank List (CAMELS composite 4 or 5) as a percent of all FDIC-insured institutions, at the end of each quarter, from 2006.

## Why it matters

The count of problem banks drifts down as the industry consolidates. The share corrects for that, so today’s reading can be compared with the 2008–2012 crisis years on the same footing.

## How to read it

Higher is worse. The FDIC calls one to two percent the normal range for non-crisis periods. Read it with the count (credit.banks.problem_banks.count).

## What it does not say

It weights every bank equally: a small community bank counts the same as a large regional bank, and problem banks’ assets are no longer published. Names are confidential.

## How it's built

The FDIC’s own "Percentage of Banks" column in the "Problem Banks-DATA" sheet, dated at quarter end.

## Source

Federal Deposit Insurance Corporation, Quarterly Banking Profile, "Deposit Insurance Fund trends charts and data" workbook (sheet "Problem Banks-DATA"). Public domain (FDIC data catalog, U.S. public domain label). Source: FDIC. Refreshed weekly by /api/cron/credit-banks-sync.