The Wall Street sign is seen outside the New York Stock Exchange on April 11, 2025. Michael M. Santiago/Getty Images
The U.S. banking industry posted a solid performance in 2025, supported by higher loan and deposit growth, rising net interest income, and lower charge-offs, according to recent data. However, challenges such as unrealized securities losses and increasing exposure to margin loans and private equity remain areas of concern heading into 2026.
Financial results for banks and savings institutions improved during the year, based on a Federal Deposit Insurance Corporation (FDIC) survey of 4,379 institutions released in November.
