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BOARD MEETING

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The FDIC Board of Directors voted notationally on digital signage, bank merger policy statement, and withdrawing certain proposed rules.

](/news/board-matters/2025/board-meeting-2025-03-03-3notation)

QUARTERLY BANKING PROFILE

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FDIC-Insured Institutions Reported Return on Assets of 1.11 Percent and Net Income of $66.8 Billion in the Fourth Quarter 2024.

](/news/press-releases/2025/fdic-insured-institutions-reported-return-assets-111-percent-and-net)

PRESS RELEASE

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Acting Chairman Hill outlines matters FDIC will focus on in the coming weeks and months.

](/news/press-releases/2025/statement-acting-chairman-travis-hill)

About the FDIC

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The Federal Deposit Insurance Corporation (FDIC) is an independent agency created by the Congress to maintain stability and public confidence in the nation’s financial system. The FDIC insures deposits; examines and supervises financial institutions for safety, soundness, and consumer protection; makes large and complex financial institutions resolvable; and manages receiverships.

[Learn More](/about/)

Consumers

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Consumers

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The FDIC provides tools, education, and news updates to help consumers make informed decisions and protect their assets.

[**Electronic Deposit Insurance Estimator (EDIE)**](https://edie.fdic.gov/)

Our [Electronic Deposit Insurance Estimator (EDIE)](https://edie.fdic.gov/index.html) helps you calculate how much of your bank deposits are covered by FDIC deposit insurance and what portion of your funds (if any) exceeds the coverage limits. [EDIE en Español](https://edie.fdic.gov/esp/)

[**Deposit Insurance FAQs**](/resources/deposit-insurance/faq)

What is deposit insurance? Why does it matter to you? Check our [FAQs](/resources/deposit-insurance/faq) for answers to some of the most common questions about the FDIC and deposit insurance.

[VIEW MORE](/consumer-resource-center)

[Submit a Complaint or Request Help](https://ask.fdic.gov/fdicinformationandsupportcenter/s/?language=en_US)

Submit a question, deposit insurance coverage inquiry, or complaint against an FDIC-insured institution.

[Consumer Resource Center](/resources/consumers/index.html)

Information and resources to educate and protect consumers, promote economic inclusion, and connect people with financial resources in their communities.

[#GetBanked](/getbanked)

Banking relationships generally begin with a checking or savings account, and may lead to low-interest loans and mortgages. Learn more about the top reasons to open a bank account.

Bankers

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Bankers

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The FDIC provides extensive resources for bankers, including guidance on regulations, information on examinations, legislation insights, and training programs.

ANNOUNCEMENT / September 16, 2021

[FDIC Launches Mission-Driven Bank Fund](/news/press-releases/2021/pr21086.html "FDIC Launches Mission-Driven Bank Fund")  

The FDIC today announced the launch of a new [Mission-Driven Bank Fund](/minority-depository-institutions-program/mission-driven-bank-fund "Mission–Driven Bank Fund"), a capital investment vehicle being developed by the FDIC to support insured Minority Depository Institutions (MDIs) and Community Development Financial Institutions (CD

[VIEW MORE](/banker-resource-center)

[Banker Resource Center](/resources/bankers)

Information and resources for banking professionals, arranged by topic.

[Applications for Deposit Insurance](/resources/supervision-and-examinations/bank-applications)

Access statutes, regulations, guidance, and forms for preparing certain applications.

[Financial Institutions Letters](/news/financial-institution-letters/index.html)

Announcements of new regulations and policies, or other matters of interest to banks.

Analysts

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Analysts

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The FDIC is proud to be a pre-eminent source of U.S. banking industry research for analysts, including quarterly banking profiles, working papers, and state banking performance data.

WEBINAR SERIES / Jun. 17, 2021

[Banking on Data Webinar 3: Ethics of Artificial Intelligence and Machine Learning](/events/banking-on-data/webinar3.html "Banking on Data: Great Possibilities, Great Responsibilities")

This series, in partnership with the Santa Clara University (SCU) Leavey School of Business, builds on the themes of the 2019 FDIC FinTech Research Conference, highlighting the opportunities and challenges for financial institutions, consumers, and the financial system created by the use of big data and applied technologies.

[VIEW MORE](/analysis)

[Bank Data Guide](/resources/tools/bank-data-guide)

Browse tools and resources for researching bank data.

[Institution Directory](https://banks.data.fdic.gov/bankfind-suite/financialreporting)

Find a bank or bank holding company and generate financial and demographic reports.

[Bank Financial Reports](/resources/bankers/bank-financial-reports)

Get information and forms for Call Reports and the Summary of Deposits survey.

Latest News

[](https://www.fdic.gov/news/press-releases/2025/fdic-insured-institutions-reported-return-assets-111-percent-and-net)

PRESS RELEASE / February 25, 2025

[FDIC-Insured Institutions Reported Return on Assets of 1.11 Percent and Ne…](https://www.fdic.gov/news/press-releases/2025/fdic-insured-institutions-reported-return-assets-111-percent-and-net)

[](/news/press-releases/2025/fdic-withdraws-network-central-banks-and-supervisors-greening-financial)

PRESS RELEASE / January 21, 2025

[FDIC Withdraws from the Network of Central Banks and Supervisors for Green…](/news/press-releases/2025/fdic-withdraws-network-central-banks-and-supervisors-greening-financial)

[](/news/press-releases/2025/millennium-bank-des-plaines-ill-assumes-all-deposits-pulaski-savings-bank)

PRESS RELEASE / January 17, 2025

[Millennium Bank, Des Plaines, Ill. Assumes All Deposits of Pulaski Savings…](/news/press-releases/2025/millennium-bank-des-plaines-ill-assumes-all-deposits-pulaski-savings-bank)

[](https://creators.spotify.com/pod/show/fdic/episodes/Small-Business-Lending-e2t4j6b/a-abnbnup)

PODCASTS / January 06, 2025

[Small Business Lending](https://creators.spotify.com/pod/show/fdic/episodes/Small-Business-Lending-e2t4j6b/a-abnbnup)

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Data & Insights

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[View more](/bank/statistical/ "View more Data and Insights")See previous data and insights contentSee additional data and insights content

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### Quarterly ROA

](/analysis/quarterly-banking-profile/)

Q4 202400.511.52

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The banking industry reported a return on assets ratio of 1.11 percent, an increase of two basis points from last quarter.

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### Number of Insured Banks

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Q4 2017Q4 2024020004000

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There were 4,487 FDIC-insured institutions in the fourth quarter 2024, a decline of 30 institutions from third quarter 2024.

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### DIF Balance

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Q1 2007Q4 2024−50050100150

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The Deposit Insurance Fund balance was $137.1 billion on December 31, 2024, an increase of $4 billion from the end of the last quarter.

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### DIF Reserve Ratio

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Q1 2007Q4 2024−0.500.511.5

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The reserve ratio – the amount in the DIF relative to insured deposits – rose three basis points to 1.28 percent for the quarter.

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### Domestic Deposit Growth

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Q4 20240100200300

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Domestic deposits grew $214.4 billion in the fourth quarter, an increase of 1.2 percent from the third quarter.
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