US banks report 13.5% jump in profits: FDIC

By Pete Schroeder

Mon, November 24, 2025 astatine 9:03 AM CST 1 min read

By Pete Schroeder

WASHINGTON (Reuters) -The U.S. banking manufacture saw its profits leap 13.5% to $79.​3 cardinal successful the 3rd 4th of 2025, the Federal Deposit ‌Insurance Corporation reported Monday.

The FDIC said the stronger profits were chiefly owed to maturation successful non-‌interest income expense, arsenic good arsenic banks booking smaller nonaccomplishment proviso expenses. In the 2nd quarter, the banking assemblage reported higher proviso expenses, chiefly acknowledgment to the completed merger of Capital One and Discover Financial.

While the banking assemblage remained ⁠healthy overall, the regulator ‌flagged the manufacture is inactive grappling with historically precocious past-due rates connected immoderate types of loans, notably commercialized existent ‍estate, car and recognition paper loans.

Banks with implicit $250 cardinal successful assets reported a past-due complaint of 4.18% for non-owner occupied commercialized existent property loans. ​That fig is down from a 4.99% highest of a ‌year prior, but inactive good supra the pre-pandemic mean of 0.59%. The wide past-due complaint held dependable astatine 1.49% of full loans, which is beneath the pre-pandemic mean of 1.94%.

"The banking manufacture continued to person beardown superior and liquidity levels, ⁠which enactment lending and support against imaginable losses,​" said acting FDIC Chairman Travis Hill ​in prepared remarks.

Banks reported a 5th consecutive 4th of higher deposits, boosted by $88.6 cardinal much successful further uninsured ‍deposits, a 1.⁠1% leap from the anterior quarter. The fig of "problem banks," which are banks that person debased supervisory ratings, ⁠dropped by 2 to 57 banks, and the full fig of banks successful the state ‌fell by 42 owed to income oregon mergers.

(Reporting by Pete ‌Schroeder; Editing by Chizu Nomiyama )