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• 4/17/2026

The ratio of uninsured deposits to total deposits held by U.S. commercial banks increased slightly in the fourth quarter of 2025, to 43.3%. This ratio reached a 20-year peak of 47.4% in late 2021, thanks to an influx of COVID-19-related stimulus payments to consumers and businesses and increases in interest rates that made bank deposits more attractive relative to alternatives; before the pandemic, the ratio stood at 43.3% in the fourth quarter of 2019.

• 4/10/2026

U.S. banks collected nearly $66 billion in interchange, or “swipe,” fees in 2025, up from $64 billion in 2024 and $52 billion in 2021. Factors that influence the volume of interchange revenues collected by banks include card usage, the price level of purchased goods and services, alternative payment options and overall economic conditions.

• 1/29/2026

Core deposit growth at U.S. commercial banks accelerated in the first three quarters of 2025, by about 4% compared with 1.5% through the first three quarters of 2024. This was a welcomed improvement given that lending by banks also was higher in 2025, and banks use deposits to fund loans.

• 5/20/2025

The Federal Reserve System has developed a Cybersecurity Resources for Community Banks document. The resource document is a compilation of publicly available cybersecurity content for community bankers. The document includes links to potential sources of information, cybersecurity self-assessment tools, supervisory letters, Federal Reserve produced materials, and law enforcement contact information.

• 11/14/2024

Cybersecurity, regulation, and technology and funding costs are community bankers’ most pressing current concerns, according to an annual survey that covers the economic, regulatory, competitive and operational challenges they face.