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• 7/6/2026

The allowance for credit losses (ACL) coverage ratio for the U.S. banking system remained stable in the first quarter of 2026, decreasing slightly to 1.66% from 1.67% in the preceding quarter.

• 6/25/2026

U.S. banks added $65 billion in Treasury securities to their balance sheets in the first quarter of 2026, bringing total holdings to $1.8 trillion and up from approximately $700 billion just prior to the COVID-19 pandemic.

• 6/18/2026

The net interest margin (NIM) of the banking industry contracted in the first quarter of 2026 to 3.22%, down from 3.30% in the fourth quarter of 2025, because of declining asset yields. Nevertheless, NIMs remain robust when compared with the levels seen in 2021 and early 2022, buoyed by a favorable interest-rate environment and healthy loan demand.

• 5/14/2026

From 2020 to 2025, the number of U.S. banks declined by 13% while average asset size per institution grew 33% to $5.8 billion.

Since the COVID-19 pandemic, the number of U.S. banks continued its steady decline while average assets per institution rose, reflecting consolidation, limited new bank creation and continued balance-sheet growth among surviving institutions. This analysis examines the 2020-2025 period, but both industry consolidation and reduced de novo bank formation are long-term trends that have been underway for decades. For context, there were more than 14,000 FDIC-insured institutions during the early to mid-1980s.

• 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.