The FDIC’s Quarterly Banking Profile for Q4 2025 shows asset quality holding steady, capital levels remaining strong, and profits climbing, all while the sector absorbs elevated funding costs and unrealized securities losses.
The headline number: aggregate net income for the full year hit $295.6 billion, a 10.2% jump compared to 2024. That translates to a return on assets of 1.20%.
The numbers behind the calm surface
The past-due and nonaccrual loan rate ticked up to 1.56%. The pre-pandemic average was 1.94%, meaning borrowers are still performing better than they did during what we used to consider “normal” times.
The net charge-off rate came in at 0.63% for Q4 2025. That’s 15 basis points above the pre-pandemic average.
