Methodology: US banks

EconoMonitor Research Desk · Last updated 2026-10-26 · Data as of 2026-09-30 (data build of 2026-10-26)

EconoMonitor's US bank data covers the 500 largest FDIC-insured banks and savings institutions by total assets in the latest quarter, plus every institution that was among the 500 largest in any quarter since 2016 Q1 and later merged, failed or closed. Quarterly data starts in 2016 Q1. Uninsured trust companies and insured US branches of foreign banks are excluded, as they are in the FDIC's industry totals.

Sources

• FDIC BankFind Suite API, financial data from the Call Reports that every insured bank files each quarter. This is the source of every published bank figure.
• FFIEC Central Data Repository, the bulk Call Report files, used as the second source in Check B.
• FDIC institution history, used to explain large quarterly moves (mergers, acquisitions, failed-bank purchases).
• SEC EDGAR, used only to show a listed holding company's name and SEC identifier.

Checks for this dataset

• Check A: the rows the FDIC sent equal the rows stored, one row per bank and quarter.
• Check A: every metric rebuilt from the raw FDIC data equals the stored value.
• Check A: our loan-to-deposit formula agrees with the FDIC's own ratio within 0.001 percentage points.
• Check B: total assets, total deposits, net income, total equity capital and bank equity capital agree with the FFIEC Call Report files, matched on each bank's RSSD ID.
• Check B: the sum of all FDIC-insured banks in our download equals the FDIC's published national totals for assets, deposits, equity and net income at each year end.
• Review: every quarter in which a bank's total assets moved by more than 25% is matched against the FDIC institution history; moves that no event explains are listed for review.

Units and periods

The FDIC publishes dollar amounts in thousands; EconoMonitor stores and shows full US dollars. Ratios are the FDIC's own calculations unless a formula is given below. Net income is year to date: it accumulates from 1 January, so the fourth quarter equals the full year. Return on assets, return on equity, net interest margin and net charge-offs are annualized year-to-date ratios.

Banks that use the community bank leverage ratio framework (available from 2020) do not report risk-based capital ratios, so their CET1 and total risk-based capital ratios are left blank rather than shown as zero. Uninsured deposit estimates are required only from banks with $1 bn or more in total assets.

Metric definitions

Built from data build 20261026T074019Z, exported 2026-10-26.

Industry totals

The US banking totals on the home page add up every FDIC-insured institution that files a Call Report, leaving out insured US branches of foreign banks, as the FDIC does in its own industry totals. Each year-end total of assets, deposits, equity and net income is reconciled with the FDIC's published national totals in our review before it is shown.

• Net income in the quarter is net income for the year to date less the year-to-date figure at the previous quarter end of the same year.
• Return on assets is annualized year-to-date net income as a percent of average total assets, averaging the previous year end and each quarter end of the year so far. It is calculated by EconoMonitor and can differ slightly from the FDIC's own figure, which averages assets differently.
• Unrealized gains and losses on securities are the sum, across all institutions, of fair value minus amortized cost for available-for-sale and held-to-maturity debt securities.