In Q1 2026, 4,226 banks held $26.07T in assets (+9.1% YoY) and 4,336 credit unions held $2.51T (+4.9%). Bank deposits were up +8.2% against loans up +10.8%; credit-union shares were up +5.0% against loans up +4.6%. The median bank earned a 3.80% net interest margin (+0.25 pts YoY) at a 62.9% efficiency ratio; the median credit union 3.65% (+0.13 pts) at 79.1%. 188 banks and 646 credit unions reported a year-to-date loss.
| Metric | Banks | Δ YoY | Credit unions | Δ YoY |
|---|---|---|---|---|
| Institutions filing | 4,226 | +6 | 4,336 | -169 |
| Total assets | $26.07T | +9.1% | $2.51T | +4.9% |
| Asset growth YoY | +9.1% | — | +4.9% | — |
| Deposit growth YoY | +8.2% | — | +5.0% | — |
| Loan growth YoY | +10.8% | — | +4.6% | — |
| Net interest margin (median) | 3.80% | +0.25 pts | 3.65% | +0.13 pts |
| Cost of funds (median) | 1.87% | -0.19 pts | 1.22% | 0.00 pts |
| Efficiency ratio (median) | 62.94% | -2.81 pts | 79.14% | -0.50 pts |
| ROA (median) | 1.19% | +0.17 pts | 0.65% | +0.04 pts |
| Loan-to-deposit (median) | 79.36% | +0.97 pts | 67.85% | -1.03 pts |
| Capital ratio (median) | 10.79% | +0.15 pts | 12.44% | +0.43 pts |
| Nonperforming / delinquent (median) | 0.34% | +0.07 pts | 0.63% | +0.05 pts |
| Net charge-off rate (median) | 0.00% | 0.00 pts | 0.26% | -0.01 pts |
| Uninsured deposit share (median, banks) | 0.00% | 0.00 pts | n/a | — |
| Securities losses ÷ capital (median, banks) | 7.30% | -3.80 pts | n/a | — |
| Institutions losing money | 188 | -59 | 646 | -87 |
| Asset band | Institutions | Assets | Assets YoY | Deposits YoY | Loans YoY | NIM | Efficiency | ROA | Nonperforming | Losing money |
|---|---|---|---|---|---|---|---|---|---|---|
| <100M | 533 | $33.25B | +3.9% | +3.6% | +4.7% | 3.83% | 71.2% | 0.95% | 0.25% | 74 (14%) |
| 100M-500M | 1,900 | $494.74B | +5.4% | +5.0% | +6.5% | 3.88% | 63.7% | 1.20% | 0.30% | 74 (4%) |
| 500M-1B | 746 | $519.52B | +5.3% | +4.7% | +5.8% | 3.83% | 62.1% | 1.23% | 0.32% | 22 (3%) |
| 1B-10B | 887 | $2.45T | +6.4% | +6.4% | +7.4% | 3.64% | 60.0% | 1.22% | 0.42% | 18 (2%) |
| 10B+ | 160 | $22.57T | +9.6% | +8.5% | +11.7% | 3.49% | 54.8% | 1.19% | 0.48% | 0 (0%) |
| Asset band | Institutions | Assets | Assets YoY | Deposits YoY | Loans YoY | NIM | Efficiency | ROA | Nonperforming | Losing money |
|---|---|---|---|---|---|---|---|---|---|---|
| <100M | 2,508 | $75.72B | +2.6% | +2.2% | -0.3% | 3.83% | 81.5% | 0.60% | 0.65% | 529 (21%) |
| 100M-500M | 1,070 | $247.93B | +4.7% | +4.3% | +4.4% | 3.62% | 78.7% | 0.69% | 0.61% | 82 (8%) |
| 500M-1B | 284 | $204.77B | +5.9% | +5.6% | +5.8% | 3.48% | 78.3% | 0.62% | 0.59% | 17 (6%) |
| 1B-10B | 450 | $1.30T | +8.5% | +8.6% | +8.1% | 3.32% | 73.0% | 0.71% | 0.62% | 17 (4%) |
| 10B+ | 24 | $675.69B | +10.2% | +10.5% | +9.5% | 3.08% | 62.8% | 0.77% | 0.91% | 1 (4%) |
The screener filters every one of these institutions by state, size and ratio; pending deals and deposit markets show where the change is happening.