The Federal Deposit Insurance Corporation (FDIC) has released its 2026 Risk Review, an annual report examining the most significant risks facing the U.S. banking industry during 2025. The report focuses on three primary areas: funding risk, interest rate risk, and credit risk, providing an overview of how changing economic conditions affected banks throughout the year. According to the FDIC, higher interest rates continued to pressure bank profitability, securities portfolios, funding costs, and liquidity, while credit quality remained an important area of focus across multiple lending sectors. The report also includes an executive summary, market analysis, and supporting reference materials such as a glossary and acronyms guide.
