The Federal Deposit Insurance Corporation (FDIC) released results showing FDIC-insured institutions reported a return on assets (ROA) of 1.37% and aggregate net income of $90.1 billion in the second quarter of 2026, up $9.7 billion (12.0%) from the prior quarter. Community banks saw an 8.2% rise in net income. The industry’s net interest margin increased to 3.32%, while domestic deposits grew 0.8% for the eighth consecutive quarter. Loan growth reached 1.8% quarter-over-quarter and 6.8% year-over-year. Asset quality improved, with declining past-due, nonaccrual, and net charge-off rates. The Deposit Insurance Fund’s reserve ratio rose 5 basis points to 1.48%. The FDIC’s Quarterly Banking Profile includes detailed findings and charts.
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