In Q4 2025, 4,225 banks held $24.96T in assets (+6.6% YoY) and 4,374 credit unions held $2.46T (+5.4%). Bank deposits were up +6.3% against loans up +8.6%; credit-union shares were up +5.5% against loans up +4.6%. The median bank earned a 3.72% net interest margin (+0.29 pts YoY) at a 63.7% efficiency ratio; the median credit union 3.66% (+0.19 pts) at 77.6%. 208 banks and 510 credit unions reported a year-to-date loss.
| Metric | Banks | Δ YoY | Credit unions | Δ YoY |
|---|---|---|---|---|
| Institutions filing | 4,225 | +6 | 4,374 | -176 |
| Total assets | $24.96T | +6.6% | $2.46T | +5.4% |
| Asset growth YoY | +6.6% | — | +5.4% | — |
| Deposit growth YoY | +6.3% | — | +5.5% | — |
| Loan growth YoY | +8.6% | — | +4.6% | — |
| Net interest margin (median) | 3.72% | +0.29 pts | 3.66% | +0.19 pts |
| Cost of funds (median) | 2.00% | -0.15 pts | 1.28% | +0.03 pts |
| Efficiency ratio (median) | 63.75% | -4.07 pts | 77.61% | -1.47 pts |
| ROA (median) | 1.10% | +0.17 pts | 0.71% | +0.10 pts |
| Loan-to-deposit (median) | 80.11% | +1.14 pts | 69.70% | -1.36 pts |
| Capital ratio (median) | 10.75% | +0.09 pts | 12.46% | +0.32 pts |
| Nonperforming / delinquent (median) | 0.33% | +0.06 pts | 0.72% | +0.03 pts |
| Net charge-off rate (median) | 0.03% | +0.01 pts | 0.33% | +0.02 pts |
| Uninsured deposit share (median, banks) | 0.00% | 0.00 pts | n/a | — |
| Securities losses ÷ capital (median, banks) | 6.50% | -6.70 pts | n/a | — |
| Institutions losing money | 208 | -63 | 510 | -137 |
| Asset band | Institutions | Assets | Assets YoY | Deposits YoY | Loans YoY | NIM | Efficiency | ROA | Nonperforming | Losing money |
|---|---|---|---|---|---|---|---|---|---|---|
| <100M | 532 | $32.83B | +3.9% | +3.4% | +4.7% | 3.75% | 73.1% | 0.89% | 0.24% | 67 (13%) |
| 100M-500M | 1,899 | $488.74B | +5.8% | +5.2% | +6.9% | 3.82% | 64.4% | 1.12% | 0.29% | 90 (5%) |
| 500M-1B | 748 | $514.67B | +6.0% | +5.5% | +6.2% | 3.74% | 63.1% | 1.17% | 0.27% | 22 (3%) |
| 1B-10B | 886 | $2.40T | +6.2% | +6.3% | +6.9% | 3.60% | 60.8% | 1.12% | 0.40% | 27 (3%) |
| 10B+ | 160 | $21.52T | +6.6% | +6.4% | +9.0% | 3.39% | 55.5% | 1.16% | 0.45% | 2 (1%) |
| Asset band | Institutions | Assets | Assets YoY | Deposits YoY | Loans YoY | NIM | Efficiency | ROA | Nonperforming | Losing money |
|---|---|---|---|---|---|---|---|---|---|---|
| <100M | 2,508 | $74.44B | +3.6% | +3.0% | +0.3% | 3.90% | 79.5% | 0.68% | 0.71% | 386 (15%) |
| 100M-500M | 1,069 | $242.29B | +5.2% | +4.8% | +4.1% | 3.58% | 77.2% | 0.76% | 0.71% | 65 (6%) |
| 500M-1B | 283 | $199.88B | +5.9% | +5.8% | +5.4% | 3.43% | 77.5% | 0.63% | 0.72% | 16 (6%) |
| 1B-10B | 448 | $1.27T | +8.4% | +8.5% | +7.6% | 3.23% | 72.8% | 0.70% | 0.74% | 18 (4%) |
| 10B+ | 24 | $635.40B | +7.1% | +7.6% | +5.5% | 2.94% | 63.3% | 0.69% | 1.03% | 0 (0%) |
The screener filters every one of these institutions by state, size and ratio; pending deals and deposit markets show where the change is happening.