According to the Federal Deposit Insurance Corporation, the amount of unrealized losses on U.S. banks’ balance sheets continues to “elevate.”
In its new Quarterly Banking Profile for the fourth quarter of 2025, the FDIC says U.S. banks reported $306.1 billion in unrealized securities losses.
Unrealized losses are the difference between the price banks paid for securities and the current market value of those assets.
Banks’ unrealized securities losses fell by $31 billion, or 9.2%, from the previous quarter, marking the lowest level of unrealized losses since the first quarter of 2022.
The FDIC also says three banks have been added to its “problem bank list,” bringing the total to 60.
“The number of problem banks was 1.4% of total banks, which is within the normal range for non-crisis periods of 1% to 2% of all banks. One bank opened and no banks failed during the fourth quarter.”
Problem banks are rated 4 or 5 on the CAMELS rating system, which indicates that the company is experiencing financial, operational or governance weaknesses.
Last year, US banks achieved record profits of $295.6 billion, a 10% increase from 2024.
“The [profit] The increase was driven by higher net interest income and higher non-interest income, which offset higher non-interest expenses.”
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