Transparency & Accountability - Resolutions & Failed Banks

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Assumes All Deposits of Pulaski Savings…</a> </div> </div> <div class="glider-card full-border " id="glider-card-2" style="background-color: #FFFFFF;" > <div class="glider-card-thumbnail"><a href="https://creators.spotify.com/pod/show/fdic/episodes/Small-Business-Lending-e2t4j6b/a-abnbnup"> <img loading="lazy" src="/sites/default/files/styles/glider_thumbnail/public/2024-03/fdicpodcastgraphic-283x143.png?itok=i_SSbqZp" width="277" height="141" alt="FDIC Podcast" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PODCASTS / January 06, 2025 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="https://creators.spotify.com/pod/show/fdic/episodes/Small-Business-Lending-e2t4j6b/a-abnbnup">Small Business Lending</a> </div> </div> <div class="glider-card full-border " id="glider-card-3" style="background-color: #FFFFFF;" > <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-insured-institutions-reported-net-income-654-billion-third-quarter"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-12/qbp-2024.png?itok=F3X6qSN4" width="277" height="141" alt="FDIC Quarterly Banking Profile (3rd Quarter 2024)" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / December 12, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-insured-institutions-reported-net-income-654-billion-third-quarter">FDIC-Insured Institutions Reported Net Income of $65.4 Billion</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </li> <li class="tbm-item level-1 tbm-item--has-dropdown" aria-level="1" > <div class="tbm-link-container"> <a href="/resources" class="tbm-link level-1 tbm-toggle" aria-expanded="false"> Resources </a> <button class="tbm-submenu-toggle"><span class="visually-hidden">Toggle submenu</span></button> </div> <div class="tbm-submenu tbm-item-child" role="list"> <div class="tbm-row" role="listitem"> <div class="tbm-column span6 menu-description-block"> <div class="tbm-column-inner"> <div class="tbm-block"> <div class="block-inner"> <div id="block-block-contentd9dc1eac-d6f9-400d-9a4a-5337a211b14d" class="block block-block-content block-block-contentd9dc1eac-d6f9-400d-9a4a-5337a211b14d"> <div class="field field--name-body field--type-text-with-summary field--label-hidden field__items"> <div class="field__item"><h2>Resources</h2><p>The FDIC provides a wealth of resources for consumers, bankers, analysts, and other stakeholders. Browse our collection of financial education materials, data tools, documentation of laws and regulations, information on important initiatives, and more.</p><p><a href="/resources">Additional FDIC Resources</a></p></div></div> </div> </div> </div> </div> </div> <div class="tbm-column span3 hidden-collapse"> <div class="tbm-column-inner"> <ul class="tbm-subnav level-1 items-6"> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="https://www.fdic.gov/resources/consumers" class="tbm-link level-2"> Consumer Resource Center </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="https://www.fdic.gov/resources/bankers" class="tbm-link level-2"> Banker Resource Center </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/resources/deposit-insurance" class="tbm-link level-2"> Deposit Insurance </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/bank-examinations" class="tbm-link level-2"> Supervision & Examinations </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/laws-and-regulations" class="tbm-link level-2"> Laws & Regulations </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/resolutions" class="tbm-link level-2"> Resolutions </a> </div> </li> </ul> </div> </div> <div class="tbm-column span3 hidden-collapse"> <div class="tbm-column-inner"> <ul class="tbm-subnav level-1 items-6"> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="https://www.fdic.gov/resources/publications" class="tbm-link level-2"> Publications </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/formsdocuments" class="tbm-link level-2"> Forms </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/resources/data-tools" class="tbm-link level-2"> Data Tools </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/community-banking-research-program" class="tbm-link level-2"> Community Banking Research Program </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/coronavirus" class="tbm-link level-2"> Coronavirus Response </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="https://www.fdic.gov/about/international-affairs/seminars.html" class="tbm-link level-2"> International Seminars and Training </a> </div> </li> </ul> </div> </div> </div> <div class="tbm-row" role="listitem"> <div class="tbm-column span12 hidden-collapse"> <div class="tbm-column-inner"> <div class="tbm-block"> <div class="block-inner"> <div id="block-views-blocknews-latest-news-blocks-latest-news-megamenu--2" class="block block-views block-views-blocknews-latest-news-blocks-latest-news-megamenu"> <div class="views-element-container"><div class="glider bg-blue js-view-dom-id-4c79f7d5e85371fb978d9904f59f7d806827e63a6febbc3c13d0bc59688109bb"> <div class="glider-track "> <div class="glider-card full-border " id="glider-card-0" style="background-color: #FFFFFF;" > <div class="glider-card-thumbnail"><a href="/news/press-releases/2025/fdic-withdraws-network-central-banks-and-supervisors-greening-financial"> <img loading="lazy" src="/sites/default/files/styles/glider_thumbnail/public/2024-03/seal-latest-news-283x143px_0.jpg?itok=tn5wMn24" width="277" height="141" alt="FDIC Releases Economic Scenarios for 2024 Stress Testing" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / January 21, 2025 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2025/fdic-withdraws-network-central-banks-and-supervisors-greening-financial">FDIC Withdraws from the Network of Central Banks and Supervisors for Green…</a> </div> </div> <div class="glider-card full-border " id="glider-card-1" style="background-color: #FFFFFF;" > <div class="glider-card-thumbnail"><a href="/news/press-releases/2025/millennium-bank-des-plaines-ill-assumes-all-deposits-pulaski-savings-bank"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2025-01/bank-latest-news-283x143.png?itok=9T4RVbsD" width="277" height="141" alt="Bank" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / January 17, 2025 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2025/millennium-bank-des-plaines-ill-assumes-all-deposits-pulaski-savings-bank">Millennium Bank, Des Plaines, Ill. Assumes All Deposits of Pulaski Savings…</a> </div> </div> <div class="glider-card full-border " id="glider-card-2" style="background-color: #FFFFFF;" > <div class="glider-card-thumbnail"><a href="https://creators.spotify.com/pod/show/fdic/episodes/Small-Business-Lending-e2t4j6b/a-abnbnup"> <img loading="lazy" src="/sites/default/files/styles/glider_thumbnail/public/2024-03/fdicpodcastgraphic-283x143.png?itok=i_SSbqZp" width="277" height="141" alt="FDIC Podcast" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PODCASTS / January 06, 2025 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="https://creators.spotify.com/pod/show/fdic/episodes/Small-Business-Lending-e2t4j6b/a-abnbnup">Small Business Lending</a> </div> </div> <div class="glider-card full-border " id="glider-card-3" style="background-color: #FFFFFF;" > <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-insured-institutions-reported-net-income-654-billion-third-quarter"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-12/qbp-2024.png?itok=F3X6qSN4" width="277" height="141" alt="FDIC Quarterly Banking Profile (3rd Quarter 2024)" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / December 12, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-insured-institutions-reported-net-income-654-billion-third-quarter">FDIC-Insured Institutions Reported Net Income of $65.4 Billion</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </li> <li class="tbm-item level-1 tbm-item--has-dropdown" aria-level="1" > <div class="tbm-link-container"> <a href="/analysis" class="tbm-link level-1 tbm-toggle" aria-expanded="false"> Analysis </a> <button class="tbm-submenu-toggle"><span class="visually-hidden">Toggle submenu</span></button> </div> <div class="tbm-submenu tbm-item-child" role="list"> <div class="tbm-row" role="listitem"> <div class="tbm-column span6 menu-description-block"> <div class="tbm-column-inner"> <div class="tbm-block"> <div class="block-inner"> <div id="block-block-content13ddded4-1760-4ed6-867e-7ea94b8b60b7" class="block block-block-content block-block-content13ddded4-1760-4ed6-867e-7ea94b8b60b7"> <div class="field field--name-body field--type-text-with-summary field--label-hidden field__items"> <div class="field__item"><h2>Analysis</h2><p>The FDIC is proud to be a pre-eminent source of U.S. banking industry research, including quarterly banking profiles, working papers, and state banking performance data. Browse our extensive research tools and reports.</p><p><a href="/analysis">More FDIC Analysis</a></p></div></div> </div> </div> </div> </div> </div> <div class="tbm-column span3 hidden-collapse"> <div class="tbm-column-inner"> <ul class="tbm-subnav level-1 items-3"> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/center-financial-research" class="tbm-link level-2"> Center for Financial Research </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/consumer-research" class="tbm-link level-2"> Consumer Research </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/household-survey" class="tbm-link level-2"> FDIC National Survey of Unbanked and Underbanked Households </a> </div> </li> </ul> </div> </div> <div class="tbm-column span3 hidden-collapse"> <div class="tbm-column-inner"> <ul class="tbm-subnav level-1 items-4"> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/analysis/quarterly-banking-profile" class="tbm-link level-2"> Quarterly Banking Profile </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/center-financial-research/academic-challenge" class="tbm-link level-2"> FDIC Academic Challenge </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/analysis/quarterly-banking-profile/fdic-quarterly/quarterly-articles" class="tbm-link level-2"> FDIC Banking Issues in Focus </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/analysis/risk-review" class="tbm-link level-2"> Annual Risk Review </a> </div> </li> </ul> </div> </div> </div> <div class="tbm-row" role="listitem"> <div class="tbm-column span12 hidden-collapse"> <div class="tbm-column-inner"> <div class="tbm-block"> <div class="block-inner"> <div id="block-views-blockanalysis-glider-analysis-megamenu-glider" class="block block-views block-views-blockanalysis-glider-analysis-megamenu-glider"> <div class="views-element-container"><div class="glider bg-blue js-view-dom-id-df8b0a61be7296c763527bcbccb94f2fd7811b80fef9e8053c66656afa78f515"> <div class="glider-track "> <div class="glider-card full-border " id="glider-card-0" style="background-color: #FFFFFF;" > <div class="glider-card-thumbnail"><a href="/quarterly-banking-profile/fdic-quarterly-banking-profile-third-quarter-2024"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-12/qbp-2024.png?itok=F3X6qSN4" width="277" height="141" alt="FDIC Quarterly Banking Profile (3rd Quarter 2024)" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> EVENT / December 12, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/quarterly-banking-profile/fdic-quarterly-banking-profile-third-quarter-2024">FDIC-Insured Institutions Reported Net Income of $65.4 Billion</a> </div> </div> <div class="glider-card full-border " id="glider-card-1" style="background-color: #FFFFFF;" > <div class="glider-card-thumbnail"><a href="/quarterly-banking-profile/fdic-quarterly-banking-profile-second-quarter-2024"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-09/qbp-q2-2024-283x143.png?itok=TX0VbZPk" width="277" height="141" alt="Quarterly Banking Profile for Second Quarter 2024" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> EVENT / September 05, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/quarterly-banking-profile/fdic-quarterly-banking-profile-second-quarter-2024">FDIC-Insured Institutions Reported Net Income of $71.5 Billion</a> </div> </div> <div class="glider-card full-border " id="glider-card-2" style="background-color: #FFFFFF;" > <div class="glider-card-thumbnail"><a href="https://www.fdic.gov/analysis/quarterly-banking-profile/qbp/2024mar/"> <img loading="lazy" src="/sites/default/files/styles/glider_thumbnail/public/2024-05/qbp-q1-2024.png?itok=WG14C4zi" width="277" height="141" alt="Quarterly Banking Profile for First Quarter 2024" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> EVENT / May 29, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="https://www.fdic.gov/analysis/quarterly-banking-profile/qbp/2024mar/">Quarterly Banking Profile for First Quarter 2024</a> </div> </div> <div class="glider-card full-border " id="glider-card-3" style="background-color: #FFFFFF;" > <div class="glider-card-thumbnail"><a href="https://www.fdic.gov/analysis/quarterly-banking-profile/qbp/2023dec/"> <img loading="lazy" src="/sites/default/files/styles/glider_thumbnail/public/2024-03/qbp-q4-2023.jpg?itok=TMbfmAZ0" width="277" height="141" alt="FDIC-Insured Institutions Reported Net Income of $38.4 Billion in Fourth Quarter 2023" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> EVENT / March 07, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="https://www.fdic.gov/analysis/quarterly-banking-profile/qbp/2023dec/">Quarterly Banking Profile for Fourth Quarter 2023</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </li> <li class="tbm-item level-1 tbm-item--has-dropdown" aria-level="1" > <div class="tbm-link-container"> <a href="/news" class="tbm-link level-1 tbm-toggle" aria-expanded="false"> News </a> <button class="tbm-submenu-toggle"><span class="visually-hidden">Toggle submenu</span></button> </div> <div class="tbm-submenu tbm-item-child" role="list"> <div class="tbm-row" role="listitem"> <div class="tbm-column span6 menu-description-block"> <div class="tbm-column-inner"> <div class="tbm-block"> <div class="block-inner"> <div id="block-block-content6f717950-d2b9-4816-ba1c-2d062b39682b" class="block block-block-content block-block-content6f717950-d2b9-4816-ba1c-2d062b39682b"> <div class="field field--name-body field--type-text-with-summary field--label-hidden field__items"> <div class="field__item"><h2>News</h2><p>The FDIC publishes regular updates on news and activities. Keep up with FDIC announcements, read speeches and testimony on the latest banking issues, learn about policy changes for banks, and get the details on upcoming conferences and events.</p><p><a href="https://www.fdic.gov/news/">Find More FDIC News</a></p></div></div> </div> </div> </div> </div> </div> <div class="tbm-column span3 hidden-collapse"> <div class="tbm-column-inner"> <ul class="tbm-subnav level-1 items-6"> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/press-releases/current.html" class="tbm-link level-2"> Press Releases </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/financial-institution-letters/index.html" class="tbm-link level-2"> Financial Institution Letters </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/events" class="tbm-link level-2"> Conferences & Events </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/board-matters" class="tbm-link level-2"> Board Matters </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/disaster" class="tbm-link level-2"> Natural Disasters </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/campaigns" class="tbm-link level-2"> Media Campaigns </a> </div> </li> </ul> </div> </div> <div class="tbm-column span3 hidden-collapse"> <div class="tbm-column-inner"> <ul class="tbm-subnav level-1 items-5"> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/speeches" class="tbm-link level-2"> Speeches, Statements & Testimonies </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/podcasts" class="tbm-link level-2"> Podcasts </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/videos" class="tbm-link level-2"> Videos </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/editorials" class="tbm-link level-2"> Opinion Editorials </a> </div> </li> <li class="tbm-item level-2" aria-level="2" > <div class="tbm-link-container"> <a href="/news/fact-sheets" class="tbm-link level-2"> Policy Fact Sheets </a> </div> </li> </ul> </div> </div> </div> <div class="tbm-row" role="listitem"> <div class="tbm-column span12 hidden-collapse"> <div class="tbm-column-inner"> <div class="tbm-block"> <div class="block-inner"> <div id="block-views-blocknews-latest-news-blocks-latest-news-megamenu--3" class="block block-views block-views-blocknews-latest-news-blocks-latest-news-megamenu"> <div class="views-element-container"><div class="glider bg-blue js-view-dom-id-034df19f0f9bd661d9fdb67ccd39c2d51ac752ea20a5d7d50d6e5da7cdd1a360"> <div class="glider-track "> <div class="glider-card full-border " id="glider-card-0" style="background-color: #FFFFFF;" > <div class="glider-card-thumbnail"><a href="/news/press-releases/2025/fdic-withdraws-network-central-banks-and-supervisors-greening-financial"> <img loading="lazy" src="/sites/default/files/styles/glider_thumbnail/public/2024-03/seal-latest-news-283x143px_0.jpg?itok=tn5wMn24" width="277" height="141" alt="FDIC Releases Economic Scenarios for 2024 Stress Testing" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / January 21, 2025 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2025/fdic-withdraws-network-central-banks-and-supervisors-greening-financial">FDIC Withdraws from the Network of Central Banks and Supervisors for Green…</a> </div> </div> <div class="glider-card full-border " id="glider-card-1" style="background-color: #FFFFFF;" > <div class="glider-card-thumbnail"><a href="/news/press-releases/2025/millennium-bank-des-plaines-ill-assumes-all-deposits-pulaski-savings-bank"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2025-01/bank-latest-news-283x143.png?itok=9T4RVbsD" width="277" height="141" alt="Bank" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / January 17, 2025 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2025/millennium-bank-des-plaines-ill-assumes-all-deposits-pulaski-savings-bank">Millennium Bank, Des Plaines, Ill. Assumes All Deposits of Pulaski Savings…</a> </div> </div> <div class="glider-card full-border " id="glider-card-2" style="background-color: #FFFFFF;" > <div class="glider-card-thumbnail"><a href="https://creators.spotify.com/pod/show/fdic/episodes/Small-Business-Lending-e2t4j6b/a-abnbnup"> <img loading="lazy" src="/sites/default/files/styles/glider_thumbnail/public/2024-03/fdicpodcastgraphic-283x143.png?itok=i_SSbqZp" width="277" height="141" alt="FDIC Podcast" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PODCASTS / January 06, 2025 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="https://creators.spotify.com/pod/show/fdic/episodes/Small-Business-Lending-e2t4j6b/a-abnbnup">Small Business Lending</a> </div> </div> <div class="glider-card full-border " id="glider-card-3" style="background-color: #FFFFFF;" > <div class="glider-card-thumbnail"><a href="/news/press-releases/2024/fdic-insured-institutions-reported-net-income-654-billion-third-quarter"> <img loading="lazy" src="/system/files/styles/glider_thumbnail/private/2024-12/qbp-2024.png?itok=F3X6qSN4" width="277" height="141" alt="FDIC Quarterly Banking Profile (3rd Quarter 2024)" /> </a></div> <div class="glider-card-subtitle" style="color: #736539;"> PRESS RELEASE / December 12, 2024 </div> <div class="glider-card-title" style="color: var(--fdic-dark-blue);"> <a href="/news/press-releases/2024/fdic-insured-institutions-reported-net-income-654-billion-third-quarter">FDIC-Insured Institutions Reported Net Income of $65.4 Billion</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </li> <li class="tbm-item level-1 megamenu-search tbm-item--has-dropdown" aria-level="1" > <div class="tbm-link-container"> <span class="tbm-link level-1 no-link tbm-toggle" tabindex="0" aria-expanded="false"> Search </span> <button 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data-me-edit-screen-key="ac1efbdb-d9c2-494e-8f41-45085742a1a1" data-me-edit-screen-entity-id="56071" class="node--wholepage"> <div> <div class="field field--name-field-content field--type-entity-reference-revisions field--label-hidden field__items"> <div class="field__item"> <div class="paragraph paragraph--type--layout paragraph--view-mode--default"> <div class="layout layout--twocol-section layout--twocol-section--33-67"> <div class="layout__region layout__region--first mobile-lg:padding-right-0 tablet:padding-right-3 desktop:padding-right-3"> <div class="paragraph paragraph--type--image paragraph--view-mode--default alignment--center"> <div class="erd-list--default field field--name-field-image field--type-entity-reference field--label-hidden field__items"><div class="media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/number-1_0.png" width="273" height="273" alt="Image shows a the exterior of a bank. Text reads Financial regulators evaluate banks for safety and soundness." /> </div></div> </div> </div> </div> </div> <div class="layout__region layout__region--second"> <div class="paragraph paragraph--type--text paragraph--view-mode--default"> <p><span>Banks (FDIC Insured Depository Institutions) may be established under federal or state law. State-chartered banks are regulated by the state and the FDIC or the Board of Governors of the Federal Reserve System (Federal Reserve). National banks are chartered and regulated by the Office of the Comptroller of the Currency (OCC).</span></p><p><span>Banks are examined regularly for their safety and soundness to identify undue risks and weak risk management practices. Examination activities center on evaluating a bank’s Capital, Assets, Management, Earnings, Liquidity, and Sensitivity to market risk, referred to as CAMELS.</span></p><p><span>Learn how the FDIC conducts </span><a href="/bank-examinations" data-entity-type="node" data-entity-uuid="ed6691f5-a47b-4d88-bdfd-4ba4bbed3fe5" data-entity-substitution="canonical" title="Bank Examinations"><span>Bank Examinations</span></a><span>.</span></p> </div> </div> </div> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--text paragraph--view-mode--default"> <hr> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--layout paragraph--view-mode--default"> <div class="layout layout--twocol-section layout--twocol-section--33-67"> <div class="layout__region layout__region--first mobile-lg:padding-right-0 tablet:padding-right-3 desktop:padding-right-3"> <div class="paragraph paragraph--type--image paragraph--view-mode--default alignment--center"> <div class="erd-list--default field field--name-field-image field--type-entity-reference field--label-hidden field__items"><div class="media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/number-2_0.png" width="273" height="273" alt="Image shows people at computers. Text reads Financial regulators identify when resolution activities should begin" /> </div></div> </div> </div> </div> </div> <div class="layout__region layout__region--second"> <div class="paragraph paragraph--type--text paragraph--view-mode--default"> <p><span>Bank examinations result in category and composite ratings from 1-5 that indicate whether it is in excellent or good condition (rated 1-2), needs improvement, (rated 3), or more serious weaknesses have been identified (4-5).</span></p><p><span>If a bank receives a needs improvement or more serious supervisory rating, examiners work closely with the bank’s management to resolve issues and attract capital and additional sources of funding. A bank typically fails due to inadequate capital resulting in insolvency, or inadequate liquidity and the inability to meet its obligations.</span></p><p><span>Once the FDIC learns of the risk of failure, preparation for a potential resolution begins with the collection of information on the bank's assets, liabilities, and operations.</span></p> </div> </div> </div> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--layout paragraph--view-mode--default"> <div class="layout layout--onecol"> <div class="layout__region layout__region--content"> <div class="paragraph paragraph--type--text paragraph--view-mode--default"> <hr> </div> </div> </div> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--layout paragraph--view-mode--default"> <div class="layout layout--twocol-section layout--twocol-section--33-67"> <div class="layout__region layout__region--first mobile-lg:padding-right-0 tablet:padding-right-3 desktop:padding-right-3"> <div class="paragraph paragraph--type--image paragraph--view-mode--default alignment--center"> <div class="erd-list--default field field--name-field-image field--type-entity-reference field--label-hidden field__items"><div class="media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/number-3_0.png" width="273" height="273" alt="Image of a newspaper advertising a failed bank. Text reads The FDIC markets the failing bank to potential acquirers." /> </div></div> </div> </div> </div> </div> <div class="layout__region layout__region--second"> <div class="paragraph paragraph--type--text paragraph--view-mode--default"> <p><span>The FDIC is statutorily required to resolve failed banks using the least costly resolution option and minimizing losses to the Deposit Insurance Fund.</span></p><p><span>The FDIC typically has time to market failing banks to healthy institutions, and maintains a database of banks that are eligible to buy a failed bank based on various criteria including geographic location, size, etc. A confidential solicitation is distributed with general information and interested, eligible bidders can receive more detailed information after executing a confidentiality agreement.</span></p><p><span>Learn everything you need to know about </span><a href="/franchise-sales/acquisition-overview" data-entity-type="node" data-entity-uuid="f0a51614-9b46-44e1-ac1c-e379df3a39ed" data-entity-substitution="canonical" title="Acquisition Overview"><span>Failing Bank Acquisitions</span></a><span> at the FDIC.</span></p> </div> </div> </div> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--text paragraph--view-mode--default"> <hr> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--layout paragraph--view-mode--default"> <div class="layout layout--twocol-section layout--twocol-section--33-67"> <div class="layout__region layout__region--first mobile-lg:padding-right-0 tablet:padding-right-3 desktop:padding-right-3"> <div class="paragraph paragraph--type--image paragraph--view-mode--default alignment--center"> <div class="erd-list--default field field--name-field-image field--type-entity-reference field--label-hidden field__items"><div class="media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/number-4_0.png" width="273" height="273" alt="Image of bank illustration. Text reads The bank is closed and the FDIC is appointed as receiver." /> </div></div> </div> </div> </div> </div> <div class="layout__region layout__region--second"> <div class="paragraph paragraph--type--text paragraph--view-mode--default"> <p><span>When a bank fails the FDIC is named as receiver by the chartering authority.</span></p><p><span>To minimize disruption to the local community when a bank fails, the FDIC performs the resolution process as quickly and smoothly as possible, and makes insured deposits available as soon as possible.</span></p><p><span>Congress gave the FDIC special resolution powers to use in the liquidation of assets from failed banks and the payment of claims against the receivership estate. These laws were designed to promote the efficient and expedient liquidation of failed banks at the least cost to the Deposit Insurance Fund. The </span><a href="/regulations/laws/rules/1000-1200.html#fdic1000sec.11d"><span>FDIC Law, Regulations, and Related Acts</span></a><span> provides these powers.</span></p> </div> </div> </div> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--text paragraph--view-mode--default"> <hr> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--layout paragraph--view-mode--default"> <div class="layout layout--twocol-section layout--twocol-section--33-67"> <div class="layout__region layout__region--first mobile-lg:padding-right-0 tablet:padding-right-3 desktop:padding-right-3"> <div class="paragraph paragraph--type--image paragraph--view-mode--default alignment--center"> <div class="erd-list--default field field--name-field-image field--type-entity-reference field--label-hidden field__items"><div class="media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/number-5_0.png" width="273" height="273" alt="Image of a property with a sold sign. Text reads Often, the Bank is sold to another financial institution." /> </div></div> </div> </div> </div> </div> <div class="layout__region layout__region--second"> <div class="paragraph paragraph--type--text paragraph--view-mode--default"> <p><span>The most common, and preferred, method for resolving a failing bank is a Purchase and Assumption (P&A) transaction, where a healthy institution (Assuming Institution) agrees to purchase some or all of the assets and assume some or all of the liabilities (including insured deposits) of the failed bank. P&A transactions typically reduce the FDIC’s asset disposition costs, provide greater continuity to failed bank customers, and more quickly move assets into the private sector.</span></p><p><span>When a P&A transaction with a third party is not feasible the FDIC implements a deposit payoff, where the FDIC pays all the insured depositors of the failed bank and it is permanently closed.</span></p><p><span>Information regarding the Assuming Institution, how accounts and loans are impacted, how to obtain a lien release from a failed bank, and how depositors, creditors, and vendors of the failed bank can file a claim against the Receivership can be found on the </span><a href="/bank-failures" data-entity-type="node" data-entity-uuid="6334d37c-47ef-48b1-9898-0fb9b6f8b64d" data-entity-substitution="canonical" title="Bank Failures"><span>Failed Banks</span></a><span> page.</span></p> </div> </div> </div> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--text paragraph--view-mode--default"> <hr> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--layout paragraph--view-mode--default"> <div class="layout layout--twocol-section layout--twocol-section--33-67"> <div class="layout__region layout__region--first mobile-lg:padding-right-0 tablet:padding-right-3 desktop:padding-right-3"> <div class="paragraph paragraph--type--image paragraph--view-mode--default alignment--center"> <div class="erd-list--default field field--name-field-image field--type-entity-reference field--label-hidden field__items"><div class="media media--type-image media--view-mode-default"> <div class="field field--name-field-media-image field--type-image field--label-hidden field__items"> <div class="field__item"> <img loading="lazy" src="/system/files/2024-07/number-6_0.png" width="273" height="273" alt="Image shows people reviewing documents. Text reads As receiver, the FDIC is responsible for the timely disposal of all remaining assets." /> </div></div> </div> </div> </div> </div> <div class="layout__region layout__region--second"> <div class="paragraph paragraph--type--text paragraph--view-mode--default"> <p><span>In the absence of a P&A transaction, or if the Assuming Institution does not acquire all of the assets, the FDIC, as receiver for the failed bank, assumes ownership of the failed bank's remaining assets and must manage, market, and sell the assets.</span></p><p><span>The FDIC conducts sales of a variety of failed bank assets including owned real estate, furniture, fixtures, and equipment, loans, and securities. Sales can be conducted by Sealed Bids or Auctions. The receiver uses the proceeds of asset sales to pay eligible claimants, including uninsured depositors.</span></p><p><span>Information regarding FDIC-managed failed bank assets as well as the sale and bidding process can be found on the </span><a href="/asset-sales" data-entity-type="node" data-entity-uuid="a656330a-2367-4630-8d7e-28f649c517fa" data-entity-substitution="canonical" title="Asset Sales"><span>Asset Sales </span></a><span>page.</span></p> </div> </div> </div> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--text paragraph--view-mode--default"> <hr> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--card-group paragraph--view-mode--default width--span_3_across add-bottom decreased add-borders"> <div class="field field--name-field-cards field--type-entity-reference-revisions field--label-hidden field__items"> <div class="field__item"> <div class="paragraph paragraph--type--card paragraph--view-mode--default card-display--card-full-width has-image"> <div class="card-thumbnail field field--name-field-card-paragraph-image field--type-entity-reference field--label-hidden field__items"> <img loading="lazy" src="/system/files/2024-08/conferences.jpg" width="159" height="158" alt="panel of people seated on stage in front of large group of seated people" /> </div> <div class="card-text-wrapper"> <h3 class="usa-card__heading"> <a href="/resources/resolutions/resolution-authority" aria-label="Learn more about Resolution Authority News & Information">Resolution Authority News & Information</a> </h3> <div class="card-body field field--name-field-card-paragraph-body field--type-text-long field--label-hidden field__items"><ul><li><a href="/resources/resolutions/resolution-authority/resplans.html">Resolutions Plans</a></li><li><a href="/resources/resolutions/resolution-authority/template2013.pdf">Tailored Resolution Plan Templates</a></li><li><a href="/advisory-committees/systemic-resolution-advisory-committee-srac" data-entity-type="node" data-entity-uuid="10ef9775-6e18-4b2c-a2df-48b5c406578b" data-entity-substitution="canonical" title="Systemic Resolution Advisory Committee (SRAC)">Systemic Resolution Advisory Committee</a></li></ul></div> </div> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--card paragraph--view-mode--default card-display--card-full-width has-image"> <div class="card-thumbnail field field--name-field-card-paragraph-image field--type-entity-reference field--label-hidden field__items"> <img loading="lazy" src="/system/files/2024-08/aquisitions.jpg" width="160" height="158" alt="stack of folded newspapers" /> </div> <div class="card-text-wrapper"> <h3 class="usa-card__heading"> <a href="/resources/resolutions/bank-failures/" aria-label="Learn more about Resolution Authority News & Information">Resolution Authority News & Information</a> </h3> <div class="card-body field field--name-field-card-paragraph-body field--type-text-long field--label-hidden field__items"><ul><li><a href="/resources/resolutions/bank-failures/failed-bank-list/">Failed Bank List</a></li><li><a href="/consumers/banking/facts/">When a Bank Fails – Facts for Depositors, Creditors, and Borrowers</a></li><li><a href="/resources/resolutions/bank-failures/failed-bank-list/borrowers/">A Borrower's Guide to an FDIC Insured Bank Failure</a></li><li><a href="/resources/resolutions/bank-failures/failed-bank-list/lien/">Obtaining a Lien Release</a></li><li><a href="https://closedbanks.fdic.gov/dividends/">FDIC Dividends from Failed Banks</a></li><li><a href="/resources/resolutions/bank-failures/failed-bank-list/courtclerks/index.html">Resources for Court Clerks and Law Enforcement Agencies</a></li><li><a href="/franchise-sales/shared-loss" data-entity-type="node" data-entity-uuid="9f526347-4afe-4ee6-8a26-d6e63d2cb141" data-entity-substitution="canonical" title="Shared Loss">Loss Share Q&A</a></li></ul></div> </div> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--card paragraph--view-mode--default card-display--card-full-width has-image"> <div class="card-thumbnail field field--name-field-card-paragraph-image field--type-entity-reference field--label-hidden field__items"> <img loading="lazy" src="/system/files/2024-08/marketplace.jpg" width="159" height="156" alt="house with sold sign in front" /> </div> <div class="card-text-wrapper"> <h3 class="usa-card__heading"> <a href="/resources/resolutions/asset-sales" aria-label="Learn more about Asset Sales">Asset Sales</a> </h3> <div class="card-body field field--name-field-card-paragraph-body field--type-text-long field--label-hidden field__items"><ul><li><a href="/buying/owned/index.html">Real Estate/Property Sales</a></li><li><a href="/asset-sales/loan-sales" data-entity-type="node" data-entity-uuid="7d7991c0-f51c-4eb3-b097-90988ebc3a34" data-entity-substitution="canonical" title="Loan Sales">Loan Sales</a></li><li><a href="/buying/financial/index.html">Financial Asset Sales</a></li><li><a href="/buying/otherasset/failedbank/index.html">Other Assets Sales</a></li><li><a href="/buying/servicing/index.html">Servicing Sales</a></li><li><a href="/buying/historical/index.html">Historical Sales</a></li><li><a href="/buying/asfaq.html">Frequently Asked Questions for Asset Sales</a></li></ul></div> </div> </div> </div></div> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--text paragraph--view-mode--default"> <hr><div class="align-left media media--type-remote-video media--view-mode-default"> <div class="remote-video-wrapper"> <iframe src="https://www.fdic.gov/media/oembed?url=https%3A//youtu.be/m-hIOSxXU-I&max_width=0&max_height=0&hash=-R32lELOpEO-uRksPaCY3NlRDBty0ZnvmL7ZTovwpRg" width="200" height="113" class="media-oembed-content" loading="lazy" title="FDIC Resolution Process"></iframe> </div> </div> <div class="align-right media media--type-remote-video media--view-mode-default"> <div class="remote-video-wrapper"> <iframe src="https://www.fdic.gov/media/oembed?url=https%3A//youtu.be/ZCb2BJrbzms&max_width=0&max_height=0&hash=Z_hmjtjXZp1fmp6yMrGpZofO1xNyolBN42aqLIMr7UQ" width="200" height="113" class="media-oembed-content" loading="lazy" title="Shared Loss Explained"></iframe> </div> </div> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--layout paragraph--view-mode--default"> <div class="layout layout--twocol-section layout--twocol-section--50-50"> <div class="layout__region layout__region--first mobile-lg:padding-right-0 tablet:padding-right-3 desktop:padding-right-3"> </div> <div class="layout__region layout__region--second"> </div> </div> </div> </div></div> </div> </article> </div> <div id="block-fdic-theme-news-last-updated-block" class="text-align-right block block-fdic-custom block-fdic-node-last-updated-block"> <p>Last Updated: May 16, 2023</p> </div> </main> </div> </div> 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