Quarterly Banking Profile 

TABLE I-A. Selected Indicators, FDIC-Insured Commercial Banks 

2023* 2022* 2022 2021 2020 2019 2018 

Return on assets (%) ............................................................................. 

Return on equity (%) ............................................................................. 

Core capital (leverage) ratio ................................................................. 

Noncurrent assets plus 

other real estate owned to assets (%) ............................................. 

Net charge-offs to loans (%) ................................................................. 

Asset growth rate (%) ............................................................................ 

Net interest margin (%) ......................................................................... 

Net operating income growth (%) ....................................................... 

Number of institutions reporting ......................................................... 

Percentage of unprofitable institutions (%) ....................................... 

Number of failed institutions ............................................................... 

1.28 

13.25 

9.18 

0.44 

0.45 

-0.25 

3.31 

16.64 

4,049 

3.58 

4 

1.11 

11.63 

8.80 

0.36 

0.23 

2.18 

2.80 

-7.76 

4,160 

3.13 

0 

1.12 

11.80 

8.93 

0.38 

0.26 

0.53 

2.93 

-3.03 

4,127 

2.98 

0 

1.24 

12.27 

8.67 

0.40 

0.24 

8.35 

2.52 

100.38 

4,232 

2.62 

0 

0.71 1.29 1.35 

6.75 11.32 11.99 

8.79 9.61 9.66 

0.56 0.52 0.58 

0.49 0.49 0.46 

17.15 4.57 3.15 

2.80 3.32 3.37 

-39.29 -3.33 47.56 

4,375 4,518 4,715 

4.02 3.30 2.97 

4 3 0 

* Through September 30, ratios annualized where appropriate. Asset growth rates are for 12 months ending September 30. 

TABLE II-A. Aggregate Condition and Income Data, FDIC-Insured Commercial Banks 

(dollar figures in millions) 

Number of institutions reporting .................................................................................... 

3rd Quarter 2nd Quarter 3rd Quarter %Change 

2023 2023 2022 22Q3-23Q3 

4,049 4,072 4,160 -2.7 

Total employees (full-time equivalent) ........................................................................... 

CONDITION DATA 

1,993,987 2,008,082 1,998,431 -0.2 

Total assets ....................................................................................................................... $22,200,418 $22,194,450 $22,256,567 -0.3 

Loans secured by real estate ........................................................................................ 5,467,603 5,415,166 5,176,249 5.6 

Commercial & industrial loans ..................................................................................... 2,442,571 2,472,679 2,455,073 -0.5 

Loans to individuals ...................................................................................................... 1,939,255 1,919,161 1,857,903 4.4 

Farm loans ..................................................................................................................... 74,806 71,370 70,320 6.4 

Other loans & leases ..................................................................................................... 1,786,370 1,767,723 1,747,440 2.2 

Less: Unearned income ................................................................................................ 2,229 1,715 1,708 30.5 

Total loans & leases ...................................................................................................... 11,708,376 11,644,383 11,305,277 3.6 

Less: Reserve for losses ................................................................................................ 197,634 193,797 171,511 15.2 

Net loans and leases ......................................................................................................... 11,510,742 11,450,586 11,133,766 3.4 

Securities .......................................................................................................................... 4,847,912 4,950,360 5,383,639 -10.0 

Other real estate owned ................................................................................................... 2,755 2,697 2,613 5.4 

Goodwill and other intangibles ....................................................................................... 429,702 429,380 415,164 3.5 

All other assets ................................................................................................................. 5,409,308 5,361,427 5,321,386 1.7 

Total liabilities and capital ............................................................................................... 22,200,418 22,194,450 22,256,567 -0.3 

Noninterest-bearing deposits ...................................................................................... 4,103,053 4,272,103 5,225,353 -21.5 

Interest-bearing deposits ............................................................................................. 13,477,303 13,355,538 12,956,514 4.0 

Other borrowed funds .................................................................................................. 1,627,944 1,605,411 1,178,118 38.2 

Subordinated debt ........................................................................................................ 56,378 58,618 63,217 -10.8 

All other liabilities ......................................................................................................... 788,588 751,401 773,557 1.9 

Equity capital ................................................................................................................ 2,147,152 2,151,379 2,059,808 4.2 

Loans and leases 30-89 days past due ............................................................................. 60,911 56,651 56,532 7.7 

Noncurrent loans and leases ........................................................................................... 93,765 84,819 77,722 20.6 

Restructured loans and leases ......................................................................................... 27,804 19,809 40,540 -31.4 

1-4 family residential mortgages ..................................................................................... 2,572,612 2,540,237 2,449,078 5.0 

Mortgage-backed securities ............................................................................................. 2,527,833 2,602,783 2,814,239 -10.2 

Earning assets ................................................................................................................... 20,036,669 20,063,464 20,095,895 -0.3 

Long-term assets (5+ years) ............................................................................................. 6,163,260 6,308,455 6,661,098 -7.5 

Volatile liabilities .............................................................................................................. 3,205,846 3,158,222 2,765,687 15.9 

Foreign office deposits ..................................................................................................... 1,394,917 1,445,647 1,465,239 -4.8 

FHLB Advances ................................................................................................................. 512,299 550,831 380,150 34.8 

Unused loan commitments ............................................................................................. 9,223,330 9,201,997 8,870,361 4.0 

Off-balance-sheet derivatives .......................................................................................... 207,364,518 224,561,766 198,300,215 4.6 

INCOME DATA 

First Three First Three 3rd Quarter 3rd Quarter %Change 

 Qtrs 2023 Qtrs 2022 %Change 2023 2022 22Q3-23Q3 

Total interest income ............................................................................................. 

Total interest expense ............................................................................................ 

Net interest income ............................................................................................. 

Provision for credit losses ...................................................................................... 

Total noninterest income ....................................................................................... 

Total noninterest expense ..................................................................................... 

Securities gains (losses) ......................................................................................... 

Applicable income taxes ........................................................................................ 

Extraordinary gains, net ......................................................................................... 

Net income ........................................................................................................... 

Net charge-offs ........................................................................................................ 

Cash dividends ........................................................................................................ 

Net operating income ......................................................................................... 

$797,790 $478,003 66.9 $283,622 $189,743 49.5 

302,400 53,024 470.3 117,880 32,404 263.8 

495,390 424,979 16.6 165,743 157,339 5.3 

56,743 28,290 100.6 17,688 13,486 31.2 

230,176 220,413 4.4 71,445 73,860 -3.3 

401,224 382,381 4.9 133,705 130,844 2.2 

-7,344 -1,694 N/M -3,925 -1,116 N/M 

48,658 47,855 1.7 15,607 17,769 -12.2 

57 -261 N/M 48 -11 N/M

211,357 184,736 14.4 66,230 67,909 -2.5 

39,001 18,612 109.6 14,291 6,920 106.5 

137,863 88,035 56.6 44,851 33,724 33.0 

217,579 186,540 16.6 69,385 68,879 0.7 

N/M - Not Meaningful 

Third Quarter 2023 All FDIC-Insured Commercial Banks 
Quarterly Banking Profile 

TABLE III-A. First Three Quarters 2023, FDIC-Insured Commercial Banks 

FIRST THREE QUARTERS 

(The way it is...) 

Number of institutions reporting ................................. 

All 

Institutions 

Asset Size Distribution Geographic Regions 

Less 

Than 

$100 Million 

$100 Million 

to 

$1 Billion 

$1 Billion 

to 

$10 Billion 

$10 Billion 

to 

$250 Billion 

Greater 

Than $250 

Billion New York Atlanta Chicago 

Kansas 

City Dallas 

San 

Francisco 

4,049 636 2,564 708 128 13 287 480 849 1,145 974 314 

Total assets (in billions) ................................................ $22,200.4 $39.3 $941.0 $2,000.7 $6,018.2 $13,201.3 $4,135.5 $4,763.6 $5,869.4 $4,094.3 $1,454.2 $1,883.4 

Total deposits (in billions) ............................................ 17,580.4 33.0 805.0 1,654.9 4,842.7 10,244.9 3,290.2 3,820.3 4,462.7 3,294.0 1,200.5 1,512.7 

Net income (in millions) ................................................ 211,357 307 7,983 18,582 62,352 122,132 34,406 52,825 57,655 36,171 13,431 16,868 

% of unprofitable institutions ...................................... 3.6 8.2 2.9 2.0 3.9 0.0 6.3 5.2 2.9 2.2 2.8 8.0 

% of institutions with earnings gains ........................... 

Performance Ratios (annualized, %) 

54.6 67.3 54.8 43.9 46.9 53.9 45.6 62.7 52.7 51.1 58.9 54.8 

Yield on earning assets ................................................. 5.33 4.78 4.96 5.41 5.72 5.16 5.59 5.11 5.02 5.41 5.26 6.14 

Cost of funding earning assets ..................................... 2.02 0.96 1.35 1.73 2.16 2.05 2.49 1.73 1.89 2.05 1.75 2.28 

Net interest margin ....................................................... 3.31 3.82 3.61 3.68 3.56 3.11 3.10 3.38 3.13 3.36 3.51 3.86 

Noninterest income to earning assets ......................... 1.54 1.38 0.87 1.13 1.70 1.58 1.40 1.50 1.73 1.26 1.02 2.35 

Noninterest expense to earning assets ........................ 2.68 3.80 2.89 2.84 2.82 2.57 2.52 2.51 2.62 2.63 2.70 3.70 

Credit loss provision to assets ...................................... 0.34 0.09 0.10 0.24 0.44 0.33 0.34 0.42 0.27 0.33 0.15 0.54 

Net operating income to assets .................................... 1.31 1.05 1.19 1.29 1.45 1.26 1.14 1.50 1.38 1.17 1.26 1.39 

Pretax return on assets ................................................. 1.57 1.21 1.34 1.57 1.72 1.52 1.40 1.69 1.67 1.46 1.49 1.59 

Return on assets ............................................................ 1.28 1.04 1.14 1.26 1.39 1.24 1.11 1.49 1.33 1.17 1.24 1.20 

Return on equity ........................................................... 13.25 8.73 12.64 13.07 14.22 12.89 11.18 15.21 14.12 12.33 12.77 12.70 

Net charge-offs to loans and leases ............................. 0.45 0.09 0.09 0.25 0.44 0.55 0.49 0.58 0.33 0.44 0.14 0.64 

Loan and lease loss provision to net charge-offs ........ 145.21 180.26 171.08 137.59 152.28 141.72 135.03 139.32 171.88 149.06 179.98 128.70 

Efficiency ratio .............................................................. 

Condition Ratios (%) 

54.51 72.83 64.21 58.39 52.37 54.26 54.96 51.02 53.40 56.51 59.12 57.35 

Earning assets to total assets ....................................... 

Loss allowance to: 

90.25 92.64 93.60 92.81 91.64 88.99 89.59 90.08 89.37 90.30 91.44 93.89 

Loans and leases ........................................................ 1.69 1.47 1.33 1.40 1.64 1.83 1.79 1.72 1.58 1.83 1.26 1.78 

Noncurrent loans and leases ..................................... 

Noncurrent assets plus 

210.78 181.17 253.96 220.00 227.05 198.24 173.58 220.31 219.83 198.96 225.02 290.79 

other real estate owned to assets ............................. 0.44 0.49 0.38 0.48 0.48 0.42 0.55 0.42 0.37 0.48 0.40 0.41 

Equity capital ratio ........................................................ 9.66 11.98 8.94 9.58 9.79 9.66 10.05 9.75 9.41 9.54 9.62 9.65 

Core capital (leverage) ratio ......................................... 9.18 14.20 11.06 10.46 9.58 8.65 9.41 8.77 8.90 9.06 10.17 10.10 

Common equity tier 1 capital ratio* ............................. 13.75 22.45 15.00 13.32 13.10 14.10 13.94 13.06 14.59 13.28 12.82 14.51 

Tier 1 risk-based capital ratio* ..................................... 13.81 22.45 15.03 13.35 13.22 14.14 13.98 13.11 14.64 13.36 12.90 14.56 

Total risk-based capital ratio* ...................................... 15.16 23.51 16.14 14.43 14.57 15.55 15.26 14.36 16.06 14.94 14.14 15.78 

Net loans and leases to deposits .................................. 

Structural Changes (YTD) 

65.48 64.30 75.42 83.20 78.61 55.62 64.20 64.43 62.53 60.89 77.63 79.91 

New reporters ............................................................ 5 5 0 0 0 0 1 0 2 0 0 2 

Banks absorbed by mergers ...................................... 80 21 39 17 3 0 7 12 25 18 16 2 

Failed banks ............................................................... 

PRIOR FIRST THREE QUARTERS 

(The way it was...) 

4 0 1 0 3 0 1 0 0 1 0 2 

Number of institutions ........................................ 202с 4,160 681 2,643 695 129 12 294 494 879 1,175 996 322

 ................................ 2020 4,401 862 2,771 634 122 12 312 519 930 1,260 1,042 338

 ................................ 2018 4,774 1,185 2,952 513 115 9 350 578 1,011 1,349 1,120 366 

Total assets (in billions) ....................................... 202с $22,256.6 $41.9 $962.5 $1,913.0 $6,572.4 $12,766.9 $4,096.1 $4,601.0 $5,595.0 $4,116.8 $1,395.9 $2,451.9

 ................................ 2020 19,887.0 52.1 949.8 1,682.9 5,666.8 11,535.5 3,475.4 4,237.1 4,896.4 4,045.0 1,211.8 2,021.3

 ................................ 2018 16,480.5 70.6 951.4 1,341.2 5,361.8 8,755.5 2,832.3 3,555.2 3,890.1 3,598.5 981.1 1,623.2 

Return on assets (%) ............................................ 202с 1.11 0.87 1.14 1.35 1.34 0.95 1.03 1.12 1.02 0.98 1.25 1.53

 ................................ 2020 0.57 0.97 1.21 1.08 0.48 0.48 0.51 0.43 0.71 0.34 1.04 0.78

 ................................ 2018 1.36 1.03 1.25 1.40 1.45 1.31 1.25 1.45 1.29 1.27 1.42 1.71 

Net charge-offs to loans & leases (%) ............... 2022 0.23 0.04 0.04 0.14 0.27 0.24 0.26 0.30 0.16 0.25 0.06 0.25

 ................................ 2020 0.52 0.15 0.12 0.23 0.63 0.54 0.57 0.59 0.44 0.56 0.28 0.51

 ................................ 2018 

Noncurrent assets plus 

0.45 0.18 0.12 0.21 0.61 0.43 0.70 0.56 0.22 0.50 0.15 0.40 

OREO to assets ................................................. 202с 0.36 0.52 0.34 0.42 0.40 0.34 0.43 0.35 0.32 0.41 0.35 0.32

 ................................ 2020 0.58 0.86 0.66 0.68 0.62 0.53 0.59 0.45 0.54 0.77 0.62 0.49

 ................................ 2018 0.60 1.00 0.79 0.71 0.57 0.58 0.63 0.58 0.55 0.71 0.63 0.44 

Equity capital ratio (%) ........................................ 2022 9.25 11.03 8.54 9.31 9.56 9.12 9.54 9.67 8.74 9.21 9.34 9.10

 ................................ 2020 10.31 13.07 11.03 10.81 11.02 9.82 10.58 10.90 9.74 9.77 11.34 10.48

 ................................ 2018 11.32 12.83 11.11 11.80 12.57 10.50 12.79 11.99 10.34 10.19 11.84 11.85 

* Beginning March 2020, does not include institutions that have a Community Bank Leverage Ratio election in effect at the report date. 

Regions: 

New York - Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Puerto Rico Rhode Island, Vermont, U.S. Virgin Islands 

Atlanta - Alabama, Florida, Georgia, North Carolina, South Carolina, Virginia, West Virginia 

Chicago - Illinois, Indiana, Kentucky, Michigan, Ohio, Wisconsin 

Kansas City - Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, South Dakota 

Dallas - Arkansas, Colorado, Louisiana, Mississippi, New Mexico, Oklahoma, Tennessee, Texas 

San Francisco - Alaska, Arizona, California, Hawaii, Idaho, Montana, Nevada, Oregon, Pacific Islands, Utah, Washington, Wyoming 

Third Quarter 2023 All FDIC-Insured Commercial Banks 
Quarterly Banking Profile 

TABLE IV-A. Third Quarter 2023, FDIC-Insured Commercial Banks 

THIRD QUARTER 

(The way it is...) 

Number of institutions reporting ................................. 

All 

Institutions 

Asset Size Distribution Geographic Regions 

Less 

Than 

$100 Million 

$100 Million 

to 

$1 Billion 

$1 Billion 

to 

$10 Billion 

$10 Billion 

to 

$250 Billion 

Greater 

Than $250 

Billion New York Atlanta Chicago 

Kansas 

City Dallas 

San 

Francisco 

4,049 636 2,564 708 128 13 287 480 849 1,145 974 314 

Total assets (in billions) ................................................ $22,200.4 $39.3 $941.0 $2,000.7 $6,018.2 $13,201.3 $4,135.5 $4,763.6 $5,869.4 $4,094.3 $1,454.2 $1,883.4 

Total deposits (in billions) ............................................ 17,580.4 33.0 805.0 1,654.9 4,842.7 10,244.9 3,290.2 3,820.3 4,462.7 3,294.0 1,200.5 1,512.7 

Net income (in millions) ................................................ 66,230 100 2,848 5,908 15,263 42,111 10,469 14,776 19,740 12,511 4,360 4,375 

% of unprofitable institutions ...................................... 4.8 9.8 4.1 3.4 3.1 0.0 7.7 6.3 3.7 3.6 4.7 8.0 

% of institutions with earnings gains ........................... 

Performance Ratios (annualized, %) 

38.1 48.4 37.5 32.1 29.7 53.9 32.8 44.8 36.0 32.9 44.2 37.9 

Yield on earning assets ................................................. 5.65 5.17 5.24 5.67 6.06 5.49 5.95 5.42 5.33 5.74 5.55 6.48 

Cost of funding earning assets ..................................... 2.35 1.22 1.65 2.05 2.52 2.37 2.87 2.05 2.20 2.36 2.12 2.59 

Net interest margin ....................................................... 3.30 3.95 3.59 3.62 3.54 3.12 3.08 3.37 3.13 3.38 3.43 3.89 

Noninterest income to earning assets ......................... 1.42 1.54 0.93 1.13 1.33 1.55 1.36 1.15 1.62 1.27 1.08 2.20 

Noninterest expense to earning assets ........................ 2.67 4.07 2.89 2.83 2.76 2.57 2.55 2.49 2.62 2.62 2.70 3.56 

Credit loss provision to assets ...................................... 0.32 0.13 0.11 0.26 0.46 0.28 0.36 0.39 0.17 0.31 0.18 0.60 

Net operating income to assets .................................... 1.25 1.02 1.23 1.22 1.16 1.30 1.05 1.24 1.37 1.23 1.21 1.40 

Pretax return on assets ................................................. 1.47 1.19 1.41 1.48 1.29 1.56 1.29 1.44 1.70 1.52 1.45 1.18 

Return on assets ............................................................ 1.19 1.02 1.21 1.19 1.01 1.27 1.01 1.24 1.34 1.22 1.20 0.93 

Return on equity ........................................................... 12.33 8.45 13.41 12.30 10.33 13.21 10.10 12.65 14.28 12.77 12.33 9.71 

Net charge-offs to loans and leases ............................. 0.49 0.19 0.09 0.28 0.51 0.57 0.53 0.62 0.34 0.50 0.22 0.68 

Loan and lease loss provision to net charge-offs ........ 125.92 134.05 171.12 130.43 142.75 114.50 136.68 123.56 109.61 125.78 136.55 132.03 

Efficiency ratio .............................................................. 

Structural Changes (QTR) 

55.65 73.84 63.59 58.99 56.06 54.27 55.70 54.41 54.40 55.94 59.35 58.18 

New reporters ............................................................ 2 2 0 0 0 0 1 0 0 0 0 1 

Banks absorbed by mergers ...................................... 26 7 14 5 0 0 4 4 7 7 4 0 

Failed banks ............................................................... 

PRIOR THIRD QUARTERS 

(The way it was...) 

1 0 1 0 0 0 0 0 0 1 0 0 

Return on assets (%) ............................................ 202с 1.22 1.01 1.31 1.45 1.42 1.08 1.18 1.24 1.18 1.01 1.42 1.59

 ................................ 2020 0.97 0.94 1.23 1.20 1.20 0.80 0.89 0.87 1.12 0.64 1.38 1.35

 ................................ 2018 1.42 1.09 1.29 1.50 1.51 1.36 1.32 1.50 1.28 1.38 1.52 1.74 

Net charge-offs to loans & leases (%) ................. 2022 0.25 0.04 0.05 0.17 0.29 0.26 0.28 0.31 0.18 0.26 0.08 0.30

 ................................ 2020 0.46 0.11 0.12 0.21 0.56 0.49 0.50 0.50 0.41 0.51 0.18 0.49

 ................................ 2018 0.43 0.21 0.13 0.21 0.58 0.41 0.65 0.55 0.19 0.48 0.17 0.40 

Third Quarter 2023 All FDIC-Insured Commercial Banks 
Quarterly Banking Profile 

TABLE V-A. Loan Performance, FDIC-Insured Commercial Banks 

September 30, 2023 

Percent of Loans 30-89 Days Past Due 

All 

Institutions 

Asset Size Distribution Geographic Regions 

Less 

Than 

$100 Million 

$100 Million 

to 

$1 Billion 

$1 Billion 

to 

$10 Billion 

$10 Billion 

to 

$250 Billion 

Greater 

Than $250 

Billion New York Atlanta Chicago 

Kansas 

City Dallas 

San 

Francisco 

All loans secured by real estate .................................... 0.38 0.76 0.41 0.26 0.37 0.43 0.44 0.41 0.34 0.43 0.33 0.25 

Construction and development ................................ 0.43 0.48 0.47 0.39 0.36 0.57 0.59 0.33 0.36 0.62 0.34 0.37 

Nonfarm nonresidential ............................................ 0.22 0.70 0.29 0.18 0.20 0.25 0.30 0.21 0.26 0.19 0.16 0.13 

Multifamily residential real estate ............................ 0.11 0.18 0.31 0.12 0.08 0.10 0.15 0.05 0.11 0.11 0.15 0.04 

Home equity loans ..................................................... 0.58 0.42 0.44 0.48 0.64 0.59 0.55 0.48 0.74 0.61 0.62 0.40 

Other 1-4 Family residential ...................................... 0.54 1.08 0.58 0.37 0.60 0.52 0.63 0.62 0.39 0.61 0.58 0.42 

Commercial and industrial loans ................................. 0.28 0.90 0.54 0.40 0.28 0.24 0.16 0.27 0.30 0.27 0.32 0.48 

Loans to individuals ...................................................... 1.55 1.69 1.20 1.84 1.44 1.60 1.39 2.13 0.93 1.45 1.65 1.77 

Credit card loans ........................................................ 1.49 3.97 4.20 3.81 1.38 1.48 1.85 1.91 1.06 1.33 0.67 1.15 

Other loans to individuals ......................................... 1.60 1.68 1.09 1.41 1.48 1.76 1.01 2.34 0.81 1.74 1.74 2.11 

All other loans and leases (including farm) .................. 0.19 0.46 0.26 0.34 0.22 0.16 0.08 0.12 0.25 0.23 0.15 0.24 

Total loans and leases ................................................... 0.52 0.80 0.45 0.39 0.52 0.56 0.51 0.66 0.40 0.51 0.36 0.67 

Memo: Nonfarm nonres loans not secured by RE ........ 

Percent of Loans Noncurrent* 

0.11 0.05 0.27 0.07 0.19 0.08 0.18 0.08 0.16 0.02 0.02 0.08 

All real estate loans ....................................................... 0.98 0.76 0.47 0.48 0.79 1.54 1.24 1.02 0.93 1.42 0.53 0.44 

Construction and development ................................ 0.49 0.45 0.35 0.43 0.30 1.01 1.10 0.32 0.66 0.33 0.18 0.52 

Nonfarm nonresidential ............................................ 1.06 0.88 0.51 0.45 0.81 2.54 1.54 1.20 0.77 2.06 0.44 0.37 

Multifamily residential real estate ............................ 0.29 0.53 0.22 0.27 0.26 0.34 0.44 0.46 0.17 0.37 0.19 0.10 

Home equity loans ..................................................... 1.77 0.36 0.37 0.44 1.11 2.87 1.60 1.28 2.24 3.73 0.72 0.49 

Other 1-4 Family residential ...................................... 1.12 0.81 0.47 0.61 1.05 1.36 1.27 1.05 1.12 1.40 0.90 0.60 

Commercial and industrial loans ................................. 0.68 1.25 0.81 1.12 0.75 0.56 0.96 0.52 0.71 0.51 0.71 0.91 

Loans to individuals ...................................................... 0.97 0.70 0.43 1.21 0.88 1.02 1.11 1.17 0.60 1.06 1.02 0.91 

Credit card loans ........................................................ 1.48 1.76 1.90 4.06 1.43 1.44 1.83 1.86 1.00 1.31 0.55 1.31 

Other loans to individuals ......................................... 0.49 0.69 0.38 0.59 0.53 0.45 0.51 0.49 0.22 0.44 1.06 0.70 

All other loans and leases (including farm) .................. 0.24 0.71 0.61 0.53 0.16 0.24 0.39 0.11 0.31 0.16 0.28 0.22 

Total loans and leases ................................................... 0.80 0.81 0.52 0.63 0.72 0.92 1.03 0.78 0.72 0.92 0.56 0.61 

Memo: Nonfarm nonres loans not secured by RE ........ 

Percent of Loans Charged-Off (net, YTD) 

0.35 0.00 0.49 0.03 0.15 0.44 0.15 0.24 0.96 0.01 0.06 0.09 

All real estate loans ....................................................... 0.06 0.00 0.01 0.02 0.06 0.09 0.07 0.10 0.05 0.03 0.02 0.05 

Construction and development ................................ 0.03 -0.01 0.00 0.00 0.06 0.01 0.05 -0.01 0.01 0.00 0.00 0.15 

Nonfarm nonresidential ............................................ 0.18 0.00 0.02 0.03 0.15 0.46 0.23 0.32 0.17 0.13 0.05 0.09 

Multifamily residential real estate ............................ 0.02 0.00 0.01 0.01 0.03 0.03 0.02 0.01 0.06 0.00 0.01 0.00 

Home equity loans ..................................................... -0.07 0.02 0.00 0.01 -0.02 -0.14 -0.03 -0.12 -0.09 -0.08 -0.03 0.02 

Other 1-4 Family residential ...................................... 0.00 0.03 0.01 0.00 0.00 0.01 -0.01 0.00 0.02 0.00 0.00 0.01 

Commercial and industrial loans ................................. 0.32 0.39 0.30 0.31 0.46 0.24 0.21 0.33 0.32 0.16 0.38 0.82 

Loans to individuals ...................................................... 2.05 0.46 0.76 2.79 1.80 2.17 2.23 2.24 1.46 2.53 1.05 1.94 

Credit card loans ........................................................ 3.27 13.60 4.19 9.12 3.22 3.15 3.97 3.59 2.43 3.16 1.69 3.25 

Other loans to individuals ......................................... 0.92 0.36 0.63 1.38 0.92 0.88 0.84 0.99 0.57 1.12 0.99 1.22 

All other loans and leases (including farm) .................. 0.11 0.01 0.15 0.12 0.07 0.12 0.08 0.17 0.09 0.09 0.16 0.06 

Total loans and leases ................................................... 0.45 0.09 0.09 0.25 0.44 0.55 0.49 0.58 0.33 0.44 0.14 0.64 

Memo: Nonfarm nonres loans not secured by RE ........ 

Loans Outstanding (in billions) 

0.00 0.06 -0.09 0.00 0.01 0.00 -0.01 0.00 0.01 0.00 0.00 0.06 

All real estate loans ....................................................... $5,467.6 $14.0 $472.0 $1,015.2 $1,949.0 $2,017.4 $1,031.0 $996.2 $1,286.5 $892.9 $662.2 $598.8 

Construction and development ................................ 468.8 1.0 51.8 119.8 199.0 97.2 73.0 76.4 83.8 71.1 118.5 45.9 

Nonfarm nonresidential ............................................ 1,708.0 3.3 182.8 455.6 690.1 376.2 336.8 332.6 296.5 222.1 282.6 237.4 

Multifamily residential real estate ............................ 557.8 0.3 27.0 108.0 229.3 193.3 158.9 54.4 171.1 60.8 36.9 75.7 

Home equity loans ..................................................... 253.7 0.2 13.2 32.9 94.3 113.1 65.1 57.0 64.1 27.7 19.8 20.1 

Other 1-4 Family residential ...................................... 2,318.9 6.0 145.8 259.6 719.0 1,188.6 391.9 460.9 645.3 429.9 180.9 210.0 

Commercial and industrial loans ................................. 2,442.6 2.8 78.8 228.4 795.0 1,337.6 397.3 633.2 598.2 433.8 186.1 193.9 

Loans to individuals ...................................................... 1,939.3 1.6 24.9 87.2 668.1 1,157.4 388.7 483.2 420.5 307.3 30.1 309.5 

Credit card loans ........................................................ 949.6 0.0 0.8 15.7 259.9 673.1 177.2 239.9 204.2 216.6 2.4 109.3 

Other loans to individuals ......................................... 989.7 1.6 24.1 71.5 408.2 484.3 211.5 243.3 216.3 90.7 27.7 200.2 

All other loans and leases (including farm) .................. 1,861.2 3.1 39.8 66.2 459.6 1,292.5 334.2 392.0 530.2 409.5 65.9 129.3 

Total loans and leases ................................................... 11,710.6 21.5 615.6 1,397.0 3,871.7 5,804.9 2,151.2 2,504.6 2,835.5 2,043.5 944.3 1,231.6 

Memo: Nonfarm nonres loans not secured by RE ........ 

Memo: Other Real Estate Owned (in millions) 

204.1 0.1 2.0 5.7 50.9 145.5 32.8 64.2 52.0 36.9 6.4 11.7 

All other real estate owned ........................................... $2,755.0 $15.1 $326.7 $602.8 $694.4 $1,116.0 $341.6 $635.6 $564.6 $568.5 $479.0 $165.7 

Construction and development ................................ 400.2 3.0 105.9 169.5 99.5 22.3 43.8 50.3 26.4 84.2 154.9 40.7 

Nonfarm nonresidential ............................................ 1,552.9 6.8 148.3 338.8 291.5 767.6 98.4 452.3 294.4 407.1 239.4 61.3 

Multifamily residential real estate ............................ 34.5 0.3 10.9 2.9 17.6 2.8 3.8 1.0 9.0 6.7 13.9 0.1 

1-4 Family residential ................................................ 707.9 5.0 44.2 71.1 271.8 315.8 195.6 130.2 228.0 55.8 52.3 45.9 

Farmland .................................................................... 55.0 0.1 17.4 20.0 14.0 3.5 0.0 1.3 6.8 10.6 18.5 17.8 

Other real estate owned in foreign offices ............... 4.5 0.0 0.0 0.5 0.0 4.0 0.0 0.5 0.0 4.0 0.0 0.0 

* Noncurrent loan rates represent the percentage of loans in each category that are past due 90 days or more or that are in nonaccrual status. 

Third Quarter 2023 All FDIC-Insured Commercial Banks 
Quarterly Banking Profile 

TABLE I-B. Selected Indicators, FDIC-Insured Savings Institutions 

2023* 2022* 2022 2021 2020 2019 2018 

Return on assets (%) ............................................................................. 0.79 1.05 0.99 1.11 0.85 1.34 1.27 

Return on equity (%) ............................................................................. 10.29 12.26 12.24 11.30 8.34 12.30 11.74 

Core capital (leverage) ratio (%) .......................................................... 10.60 9.79 9.76 9.69 9.25 10.27 10.29 

Noncurrent assets plus 

other real estate owned to assets (%) ............................................. 0.65 0.64 0.67 0.94 1.41 1.02 0.91 

Net charge-offs to loans (%) ................................................................. 0.82 0.41 0.48 0.40 0.66 0.91 0.81 

Asset growth rate (%) ............................................................................ -12.06 -6.50 -15.69 10.22 19.41 -5.02 1.45 

Net interest margin ............................................................................... 3.30 3.17 3.28 2.78 3.09 3.87 3.85 

Net operating income growth (%) ....................................................... -34.10 -4.00 -14.33 52.27 -31.26 -0.28 19.73 

Number of institutions reporting ......................................................... 565 586 579 607 627 659 691 

Percentage of unprofitable institutions (%) ....................................... 13.27 9.73 7.60 6.43 9.41 6.68 6.80 

Number of failed institutions .............................................................. 0 0 0 0 0 1 0 

* Through September 30, ratios annualized where appropriate. Asset growth rates are for 12 months ending September 30. 

TABLE II-B. Aggregate Condition and Income Data, FDIC-Insured Savings Institutions 

3rd Quarter 2nd Quarter 3rd Quarter %Change 

2023 2023 2022 22Q3-23Q3 

Number of institutions reporting .................................................................................... 565 573 586 -3.6 

Total employees (full-time equivalent) ........................................................................... 104,476 107,489 116,610 -10.4 

(dollar figures in millions) 

CONDITION DATA 

Total assets ....................................................................................................................... $1,208,421 $1,270,560 $1,374,157 -12.1 

Loans secured by real estate ........................................................................................ 421,048 434,442 475,438 -11.4 

1-4 family residential ................................................................................................. 245,861 254,951 257,196 -4.4 

Multifamily residential property ............................................................................... 48,079 50,250 83,979 -42.8 

Nonfarm nonresidential ............................................................................................ 98,742 101,044 106,062 -6.9 

Construction, development, and land ...................................................................... 28,267 28,095 28,112 0.6 

Commercial & industrial loans ........................................................................................ 44,604 44,582 47,846 -6.8 

Loans to individuals ......................................................................................................... 157,027 152,982 143,211 9.7 

Other loans & leases ......................................................................................................... 13,628 22,361 29,830 -54.3 

Less: Unearned income & contra accounts ..................................................................... 253 233 189 33.9 

Total loans & leases .......................................................................................................... 636,054 654,134 696,137 -8.6 

Less: Reserve for losses .................................................................................................... 15,490 15,246 14,042 10.3 

Net loans & leases ............................................................................................................. 620,564 638,888 682,094 -9.0 

Securities .......................................................................................................................... 455,898 485,986 540,287 -15.6 

Other real estate owned ................................................................................................... 136 143 118 15.0 

Goodwill and other intangibles ....................................................................................... 6,491 6,600 10,342 -37.2 

All other assets ................................................................................................................. 125,332 138,943 141,316 -11.3 

Total liabilities and capital ............................................................................................... 1,208,421 1,270,560 1,374,157 -12.1 

Deposits ......................................................................................................................... 973,164 1,016,280 1,175,230 -17.2 

Other borrowed funds .................................................................................................. 117,062 133,236 76,250 53.5 

Subordinated debt ........................................................................................................ 832 831 81 921.6 

All other liabilities ......................................................................................................... 19,292 18,381 17,851 8.1 

Equity capital ................................................................................................................ 98,072 101,831 104,745 -6.4 

Loans and leases 30-89 days past due ............................................................................. 5,919 5,595 4,775 24.0 

Noncurrent loans and leases ........................................................................................... 7,752 8,169 8,636 -10.2 

Restructured loans and leases ......................................................................................... 1,381 1,210 2,894 -52.3 

Mortgage-backed securities ............................................................................................. 342,298 359,528 386,786 -11.5 

Earning assets ................................................................................................................... 1,141,904 1,204,508 1,301,766 -12.3 

FHLB Advances ................................................................................................................. 90,318 107,796 64,638 39.7 

Unused loan commitments ............................................................................................. 606,828 613,384 628,782 -3.5 

First Three First Three 3rd Quarter 3rd Quarter %Change 

INCOME DATA Qtrs 2023 Qtrs 2022 %Change 2023 2022 22Q3-23Q3 

Total interest income ............................................................................................. $43,149 $35,121 22.9 $14,997 $12,949 15.8 

Total interest expense ............................................................................................ 14,365 3,291 336.5 5,511 1,668 230.5 

Net interest income ............................................................................................. 28,784 31,830 -9.6 9,486 11,281 -15.9 

Provision for credit losses ...................................................................................... 4,943 2,650 86.5 1,826 1,169 56.2 

Total noninterest income ....................................................................................... 7,762 9,692 -19.9 2,658 2,932 -9.3 

Total noninterest expense ..................................................................................... 21,911 24,107 -9.1 7,211 8,001 -9.9 

Securities gains (losses) ......................................................................................... -320 -516 N/M -330 -201 N/M 

Applicable income taxes ........................................................................................ 2,069 3,204 -35.4 609 1,087 -44.0 

Extraordinary gains, net ......................................................................................... -4 0 N/M 0 0 N/M 

Net income ........................................................................................................... 7,278 11,038 -34.1 2,163 3,754 -42.4 

Net charge-offs ........................................................................................................ 3,819 2,020 89.1 1,361 752 81.1 

Cash dividends ........................................................................................................ 3,141 7,507 -58.2 1,027 4,150 -75.3 

Net operating income ......................................................................................... 7,556 11,467 -34.1 2,431 3,920 -38.0 

N/M - Not Meaningful 

Third Quarter 2023 All FDIC-Insured Savings Institutions 
Quarterly Banking Profile 

TABLE III-B. First Three Quarters 2023, FDIC-Insured Savings Institutions 

FIRST THREE QUARTERS 

(The way it is...) 

Number of institutions reporting .................................. 

All 

Institutions 

Asset Size Distribution Geographic Regions 

Less 

Than 

$100 Million 

$100 Million 

to 

$1 Billion 

$1 Billion 

to 

$10 Billion 

Greater 

Than 

$10 Billion New York Atlanta Chicago 

Kansas 

City Dallas 

San 

Francisco 

565 90 326 134 15 257 43 135 36 65 29 

Total assets (in billions) ................................................ $1,208.4 $5.1 $131.4 $334.2 $737.8 $369.2 $14.2 $76.0 $58.0 $526.5 $164.6 

Total deposits (in billions) ............................................. 973.2 3.8 105.4 263.4 600.6 293.5 11.6 53.5 49.1 435.0 130.5 

Net income (in millions) ................................................ 7,278.1 26.8 1,063.9 1,865.3 4,322.1 1,938.2 76.9 850.4 548.3 1,694.9 2,169.4 

% of unprofitable institutions ....................................... 13.3 25.6 13.5 4.5 13.3 9.0 18.6 20.0 16.7 13.9 6.9 

% of institutions with earnings gains ........................... 

Performance Ratios (annualized, %) 

42.7 42.2 44.5 38.8 40.0 44.0 46.5 42.2 41.7 38.5 37.9 

Yield on earning assets .................................................. 4.94 4.50 4.41 4.59 5.18 4.53 4.66 4.52 4.59 3.25 12.23 

Cost of funding earning assets ...................................... 1.64 1.21 1.33 1.64 1.70 1.52 1.45 2.02 1.22 1.40 2.78 

Net interest margin ....................................................... 3.30 3.29 3.08 2.94 3.48 3.01 3.21 2.50 3.37 1.85 9.45 

Noninterest income to earning assets .......................... 0.89 5.12 3.65 0.82 0.43 0.78 1.28 5.25 0.74 0.49 0.62 

Noninterest expense to earning assets ......................... 2.51 7.18 5.14 2.61 2.00 2.70 3.45 5.54 1.67 1.68 3.90 

Credit loss provision to assets ....................................... 0.54 0.08 0.06 0.10 0.81 0.09 0.00 0.09 0.16 0.11 3.42 

Net operating income to assets .................................... 0.82 0.81 1.12 0.77 0.79 0.71 0.76 1.55 1.68 0.42 1.83 

Pretax return on assets ................................................. 1.01 0.94 1.39 0.96 0.97 0.91 0.92 1.96 1.68 0.50 2.41 

Return on assets ............................................................ 0.79 0.71 1.09 0.75 0.75 0.71 0.73 1.54 1.28 0.40 1.82 

Return on equity ............................................................ 10.29 3.77 9.15 7.31 13.14 6.69 5.76 13.12 17.93 9.35 17.02 

Net charge-offs to loans and leases .............................. 0.82 0.10 0.05 0.10 1.63 0.07 0.03 0.07 0.31 0.43 3.31 

Loan and lease loss provision to net charge-offs .......... 129.43 128.32 180.29 146.18 128.18 176.03 44.83 171.62 123.47 107.01 130.22 

Efficiency ratio ............................................................... 

Condition Ratios (%) 

59.41 85.26 76.11 68.98 50.45 70.90 76.46 71.06 40.39 71.83 37.55 

Earning assets to total assets ........................................ 

Loss allowance to: 

94.50 92.55 93.18 92.99 95.42 92.71 91.96 92.88 95.71 95.84 94.72 

Loans and leases ........................................................ 2.44 1.00 1.00 0.98 4.02 0.94 1.06 0.81 1.02 1.42 7.68 

Noncurrent loans and leases ..................................... 

Noncurrent assets plus 

199.83 97.68 169.77 166.76 211.16 168.32 141.73 227.93 278.00 54.49 463.14 

other real estate owned to assets .............................. 0.65 0.70 0.44 0.44 0.79 0.44 0.45 0.28 0.18 0.70 1.33 

Noncurrent RE loans to RE loans ................................... 1.21 1.03 0.57 0.55 2.59 0.55 0.75 0.38 0.34 4.35 0.61 

Equity capital ratio ........................................................ 8.11 18.79 11.82 10.18 6.44 10.46 12.63 11.45 6.84 5.23 10.58 

Core capital (leverage) ratio .......................................... 10.60 19.84 13.36 11.26 9.79 11.27 14.05 12.36 9.55 9.67 11.57 

Common equity tier 1 capital ratio* .............................. 18.80 35.32 19.37 14.75 20.67 14.49 20.21 16.69 20.61 26.69 13.95 

Tier 1 risk-based capital ratio* ...................................... 18.87 35.32 19.37 14.83 20.74 14.49 20.21 17.01 20.71 26.84 13.95 

Total risk-based capital ratio* ...................................... 19.88 36.29 20.39 15.79 21.78 15.44 21.18 18.04 21.29 27.44 15.77 

Gross real estate assets to gross assets ........................ 62.37 66.65 71.63 69.82 57.36 72.63 70.73 71.25 68.90 65.84 23.29 

Gross 1-4 family mortgages to gross assets .................. 20.08 46.51 39.19 30.02 12.07 30.80 36.34 47.21 28.36 11.07 8.60 

Net loans and leases to deposits ................................... 

Structural Changes (YTD) 

63.77 85.47 85.94 89.13 48.62 92.09 71.63 105.63 50.15 32.04 93.11 

New reporters ............................................................. 0 0 0 0 0 0 0 0 0 0 0 

Thrifts absorbed by mergers ...................................... 4 3 1 0 0 1 1 1 0 1 0 

Failed thrifts ............................................................... 

PRIOR FIRST THREE QUARTERS 

(The way it was...) 

0 0 0 0 0 0 0 0 0 0 0 

Number of institutions ........................................ 202с 586 97 338 134 17 267 46 140 37 65 31

 ................................ 2020 632 119 364 132 17 286 53 149 40 70 34

 ................................ 2018 703 150 417 122 14 321 55 169 48 73 37 

Total assets (in billions) ....................................... 202с $1,374.2 $5.4 $132.9 $338.4 $897.5 $433.8 $52.1 $95.9 $54.9 $573.9 $163.5

 ................................ 2020 1,322.4 6.9 139.9 336.4 839.2 412.4 112.5 107.7 36.7 507.6 145.4

 ................................ 2018 1,192.4 8.6 156.3 353.1 674.3 443.1 99.7 106.2 42.9 138.4 362.1 

Return on assets (%) ............................................ 202с 1.05 0.97 1.19 0.82 1.10 0.70 1.17 1.89 1.07 0.79 2.47

 ................................ 2020 0.80 0.52 1.23 0.86 0.70 0.66 -0.04 1.82 1.19 0.74 1.16

 ................................ 2018 1.25 1.21 1.20 1.01 1.39 0.93 0.95 1.18 1.10 1.41 1.73 

Net charge-offs to loans & leases (%) .................. 2022 0.41 0.04 0.03 0.07 0.70 0.05 -0.01 0.03 0.16 0.21 2.01

 ................................ 2020 0.73 0.02 0.04 0.08 1.37 0.05 0.04 0.06 0.16 0.63 3.64

 ................................ 2018 

Noncurrent assets plus 

0.80 0.05 0.09 0.20 1.59 0.07 -0.09 0.48 0.29 0.79 3.64 

OREO to assets (%) ........................................... 2022 0.64 0.58 0.37 0.36 0.78 0.34 2.39 0.93 0.15 0.64 0.86

 ................................ 2020 1.37 0.81 0.60 0.62 1.80 0.51 2.94 0.82 0.26 2.07 0.84

 ................................ 2018 0.90 1.03 0.67 0.58 1.12 0.47 3.51 0.72 0.60 1.66 0.50 

Equity capital ratio (%) ........................................ 2022 7.62 18.71 11.73 9.93 6.08 10.46 11.67 11.50 6.58 3.83 10.17

 ................................ 2020 10.01 17.56 13.30 11.73 8.71 11.77 9.70 11.68 11.60 7.87 11.11

 ................................ 2018 10.74 18.79 13.24 12.05 9.37 11.90 10.61 11.84 12.33 10.57 8.90 

* Beginning March 2020, does not include institutions that have a Community Bank Leverage Ratio election in effect at the report date. 

Third Quarter 2023 All FDIC-Insured Savings Institutions 
Quarterly Banking Profile 

TABLE IV-B. Third Quarter 2023, FDIC-Insured Savings Institutions 

THIRD QUARTER 

(The way it is...) 

Number of institutions reporting .................................. 

All 

Institutions 

Asset Size Distribution Geographic Regions 

Less 

Than 

$100 Million 

$100 Million 

to 

$1 Billion 

$1 Billion 

to 

$10 Billion 

Greater 

Than 

$10 Billion New York Atlanta Chicago 

Kansas 

City Dallas 

San 

Francisco 

565 90 326 134 15 257 43 135 36 65 29 

Total assets (in billions) ................................................ $1,208.4 $5.1 $131.4 $334.2 $737.8 $369.2 $14.2 $76.0 $58.0 $526.5 $164.6 

Total deposits (in billions) ............................................. 973.2 3.8 105.4 263.4 600.6 293.5 11.6 53.5 49.1 435.0 130.5 

Net income (in millions) ................................................ 2,163.1 6.4 301.4 557.8 1,297.6 540.9 24.9 251.7 97.2 490.4 758.2 

% of unprofitable institutions ....................................... 19.3 32.2 20.3 9.0 13.3 17.1 30.2 20.7 25.0 18.5 10.3 

% of institutions with earnings gains ........................... 

Performance Ratios (annualized, %) 

29.7 32.2 29.1 27.6 46.7 26.5 37.2 31.1 36.1 32.3 27.6 

Yield on earning assets .................................................. 5.20 4.73 4.60 4.79 5.48 4.72 4.90 4.77 4.76 3.38 12.75 

Cost of funding earning assets ...................................... 1.91 1.48 1.61 1.94 1.95 1.82 1.70 2.37 1.35 1.61 3.12 

Net interest margin ....................................................... 3.29 3.25 2.99 2.84 3.53 2.91 3.20 2.40 3.41 1.77 9.63 

Noninterest income to earning assets .......................... 0.92 5.20 3.72 0.84 0.45 0.80 1.26 5.19 0.81 0.52 0.63 

Noninterest expense to earning assets ......................... 2.50 7.22 5.26 2.57 1.97 2.70 3.44 5.63 1.62 1.62 3.84 

Credit loss provision to assets ....................................... 0.60 0.14 0.07 0.10 0.92 0.09 -0.10 0.08 0.15 0.18 3.60 

Net operating income to assets .................................... 0.80 0.76 1.00 0.74 0.79 0.66 0.81 1.35 1.82 0.38 1.87 

Pretax return on assets ................................................. 0.91 0.71 1.19 0.84 0.89 0.74 0.90 1.73 0.88 0.44 2.49 

Return on assets ............................................................ 0.71 0.50 0.92 0.67 0.69 0.59 0.70 1.33 0.67 0.36 1.87 

Return on equity ............................................................ 8.83 2.67 7.72 6.52 10.99 5.57 5.55 11.54 9.57 7.19 17.54 

Net charge-offs to loans and leases .............................. 0.86 0.20 0.06 0.07 1.73 0.07 0.03 0.02 0.32 0.57 3.35 

Loan and lease loss provision to net charge-offs .......... 135.10 105.18 158.24 198.60 132.86 186.34 -403.19 446.71 119.93 125.70 134.29 

Efficiency ratio ............................................................... 

Structural Changes (QTR) 

58.76 85.12 77.72 69.55 48.64 72.55 76.93 73.21 38.28 70.62 36.29 

New reporters ............................................................. 0 0 0 0 0 0 0 0 0 0 0 

Thrifts absorbed by mergers ...................................... 2 2 0 0 0 0 1 0 0 1 0 

Failed thrifts ............................................................... 

PRIOR THIRD QUARTERS 

(The way it was...) 

0 0 0 0 0 0 0 0 0 0 0 

Return on assets (%) ............................................ 202с 1.08 0.84 1.29 0.91 1.11 0.80 1.42 1.98 1.31 0.77 2.24

 ................................ 2020 0.96 0.59 1.46 1.18 0.80 0.90 0.48 2.44 1.47 0.64 1.37

 ................................ 2018 1.30 1.11 1.22 1.11 1.41 0.98 1.02 1.40 1.10 1.28 1.77 

Net charge-offs to loans & leases (%) .................. 2022 0.44 0.04 0.03 0.13 0.72 0.09 -0.02 -0.01 0.21 0.21 2.15

 ................................ 2020 0.59 0.00 0.03 0.05 1.14 0.04 0.06 -0.02 0.14 0.43 3.17

 ................................ 2018 0.73 0.03 0.12 0.11 1.50 0.08 -0.16 0.17 0.40 0.78 3.36 

Third Quarter 2023 All FDIC-Insured Savings Institutions 
Quarterly Banking Profile 

TABLE V-B. Loan Performance, FDIC-Insured Savings Institutions 

September 30, 2023 

Percent of Loans 30-89 Days Past Due 

All 

Institutions 

Asset Size Distribution Geographic Regions 

Less 

Than 

$100 Million 

$100 Million 

to 

$1 Billion 

$1 Billion 

to 

$10 Billion 

Greater 

Than 

$10 Billion New York Atlanta Chicago 

Kansas 

City Dallas 

San 

Francisco 

All loans secured by real estate ..................................... 0.74 1.65 0.39 0.17 1.78 0.22 0.42 0.27 0.33 3.06 0.17 

Construction, development, and land ....................... 0.21 0.69 0.43 0.18 0.11 0.16 0.32 0.31 0.76 0.44 0.02 

Nonfarm nonresidential ............................................. 0.18 1.23 0.31 0.12 0.21 0.18 0.06 0.24 0.10 0.30 0.11 

Multifamily residential real estate ............................. 0.10 0.00 0.20 0.03 0.24 0.12 0.09 0.02 0.00 0.35 0.00 

Home equity loans ..................................................... 0.37 0.59 0.53 0.37 0.30 0.45 0.70 0.21 0.45 0.50 0.09 

Other 1-4 Family residential ....................................... 1.21 1.83 0.43 0.23 2.71 0.27 0.55 0.33 0.35 3.98 0.32 

Commercial and industrial loans .................................. 0.43 1.23 0.59 0.33 0.51 0.32 0.42 0.68 1.01 0.44 0.73 

Loans to individuals ...................................................... 1.63 1.83 1.25 0.85 1.68 0.92 2.29 0.67 1.02 0.47 2.35 

Credit card loans ........................................................ 2.15 0.00 1.16 2.45 2.15 1.92 1.56 1.33 4.69 0.74 2.40 

Other loans to individuals .......................................... 0.58 1.83 1.25 0.63 0.53 0.90 2.30 0.42 0.40 0.35 1.62 

Total loans and leases ................................................... 

Percent of Loans Noncurrent* 

0.93 1.62 0.43 0.22 1.63 0.25 0.46 0.32 0.42 1.85 1.74 

All real estate loans ....................................................... 1.21 1.03 0.57 0.55 2.59 0.55 0.75 0.38 0.34 4.35 0.61 

Construction, development, and land ....................... 0.53 0.76 0.50 0.34 0.96 0.53 0.18 0.13 0.26 0.56 0.78 

Nonfarm nonresidential ............................................. 0.66 1.08 0.65 0.79 0.40 0.76 0.42 0.57 0.67 0.27 0.29 

Multifamily residential real estate ............................. 0.32 0.60 0.17 0.23 0.66 0.30 0.15 0.06 0.22 0.01 0.84 

Home equity loans ..................................................... 0.62 1.44 1.24 0.45 0.48 0.51 0.26 0.34 0.25 0.83 2.07 

Other 1-4 Family residential ....................................... 1.76 1.07 0.56 0.57 3.79 0.49 0.99 0.43 0.30 5.70 0.48 

Commercial and industrial loans .................................. 0.77 1.01 1.00 0.91 0.53 0.79 0.46 0.35 0.48 0.78 0.82 

Loans to individuals ...................................................... 1.43 1.02 0.44 0.44 1.50 0.47 1.44 0.28 0.60 0.48 2.07 

Credit card loans ........................................................ 2.02 0.00 0.27 1.09 2.03 0.88 0.05 0.39 2.37 1.21 2.18 

Other loans to individuals .......................................... 0.25 1.02 0.44 0.34 0.22 0.46 1.46 0.24 0.30 0.16 0.50 

Total loans and leases ................................................... 

Percent of Loans Charged-Off (net, YTD) 

1.22 1.03 0.59 0.59 1.90 0.56 0.74 0.36 0.37 2.61 1.66 

All real estate loans ....................................................... 0.00 0.00 0.00 0.01 0.00 0.01 0.00 0.00 0.00 -0.01 0.01 

Construction, development, and land ....................... 0.00 -0.01 0.00 0.00 -0.01 0.00 -0.02 0.00 0.00 0.00 0.00 

Nonfarm nonresidential ............................................. 0.03 -0.02 0.00 0.04 0.02 0.04 -0.02 0.00 0.02 -0.01 0.00 

Multifamily residential real estate ............................. 0.00 0.00 -0.02 0.01 0.00 0.00 0.00 0.00 0.00 0.02 0.00 

Home equity loans ..................................................... -0.04 0.00 0.02 -0.03 -0.08 -0.02 0.01 -0.09 -0.27 -0.07 0.08 

Other 1-4 Family residential ....................................... 0.00 0.01 0.00 0.01 -0.01 0.00 0.01 0.02 0.00 -0.01 0.01 

Commercial and industrial loans .................................. 0.52 1.96 0.21 0.33 0.80 0.30 0.75 0.40 0.25 0.27 1.96 

Loans to individuals ...................................................... 3.13 0.62 1.24 1.45 3.26 1.03 0.07 0.72 3.43 1.02 4.54 

Credit card loans ........................................................ 4.26 0.00 1.05 7.13 4.24 3.22 3.15 1.69 18.56 2.18 4.61 

Other loans to individuals ............................................. 0.90 0.62 1.24 0.68 0.92 0.98 0.03 0.37 0.88 0.50 3.51 

Total loans and leases ................................................... 

Loans Outstanding (in billions) 

0.82 0.10 0.05 0.10 1.63 0.07 0.03 0.07 0.31 0.43 3.31 

All real estate loans ....................................................... $421.1 $3.0 $83.0 $200.1 $134.9 $235.9 $7.8 $48.7 $21.6 $76.0 $31.2 

Construction, development, and land ....................... 28.3 0.1 5.3 15.4 7.4 16.6 0.8 1.4 1.1 4.1 4.3 

Nonfarm nonresidential ............................................. 96.7 0.3 18.6 51.8 26.0 70.3 1.5 4.2 2.9 11.3 6.5 

Multifamily residential real estate ............................. 48.1 0.1 5.9 31.3 10.8 34.2 0.2 6.3 0.7 1.3 5.4 

Home equity loans ..................................................... 15.6 0.1 3.0 6.9 5.7 8.1 0.3 3.9 0.3 1.8 1.3 

Other 1-4 Family residential ....................................... 230.2 2.3 48.9 94.2 84.9 106.4 4.9 32.2 16.2 56.8 13.8 

Commercial and industrial loans .................................. 44.6 0.1 4.7 21.5 18.3 25.3 0.3 1.9 0.8 10.1 6.3 

Loans to individuals ...................................................... 157.0 0.1 2.7 8.4 145.8 7.7 0.2 2.3 2.1 51.4 93.3 

Credit card loans ........................................................ 104.2 0.0 0.0 1.0 103.2 0.2 0.0 0.6 0.3 15.7 87.4 

Other loans to individuals .......................................... 52.8 0.1 2.7 7.4 42.7 7.5 0.2 1.7 1.8 35.7 5.9 

Total loans and leases ................................................... 

Memo: Other Real Estate Owned (in millions) 

636.3 3.2 91.5 237.2 304.3 273.0 8.4 56.9 24.9 141.4 131.7 

All other real estate owned ........................................... $136.1 $2.1 $33.9 $63.9 $36.1 $79.3 $1.7 $11.6 $12.0 $18.7 $12.8 

Construction, development, and land ....................... 24.4 1.0 10.6 12.8 0.1 13.2 1.1 3.8 2.7 3.7 0.0 

Nonfarm nonresidential ............................................. 66.7 0.4 10.9 32.4 23.1 48.2 0.3 3.1 6.2 8.3 0.7 

Multifamily residential real estate ............................. 4.8 0.0 0.0 4.8 0.0 4.8 0.0 0.0 0.0 0.0 0.0 

1-4 Family residential ................................................. 

Troubled Real Estate Asset Rates** 

(% of total RE assets) 

39.4 0.8 12.4 13.2 12.9 13.0 0.5 4.1 3.1 6.7 12.1 

All real estate loans ....................................................... 1.24 1.11 0.61 0.58 2.62 0.58 0.77 0.40 0.40 4.38 0.65 

Construction, development, and land ....................... 0.62 1.45 0.70 0.42 0.96 0.61 0.30 0.39 0.51 0.65 0.78 

Nonfarm nonresidential ............................................. 0.72 1.10 0.70 0.84 0.49 0.83 0.49 0.65 0.78 0.36 0.30 

Multifamily residential real estate ............................. 0.33 0.60 0.17 0.24 0.66 0.32 0.15 0.06 0.22 0.01 0.84 

1-4 Family residential ................................................. 1.70 1.11 0.62 0.57 3.60 0.50 0.95 0.43 0.32 5.56 0.69 

* Noncurrent loan rates represent the percentage of loans in each category that are past due 90 days or more or that are in nonaccrual status. 

** Noncurrent real estate loans plus other real estate owned as a percent of total real estate loans plus OREO. 

Third Quarter 2023 All FDIC-Insured Savings Institutions