Episode 459: Review of FDIC Quarterly Banking Profile for 2Q 2025

This episode examines the FDIC Quarterly Banking Profile for the second quarter of 2025. Overall results for the banking industry included net income decreased, net interest margin remained relatively unchanged, loan growth accelerated, domestic deposits increased, and asset quality metrics remained generally favorable. The deposit insurance fund (DIF) reserve ratio increased 5 basis points and now exceeds the statutory minimum. A link to the report is included below.

Link: FDIC Quarterly Banking Profile - Second Quarter 2025