FDIC Banking Issues in Focus

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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-7b325e8a110add304b2cf89210d05a671aa237865ed13b590159c0ea636579e8"> <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-158e7c2a4dd94ce87cc8ef845a09ab532fa4b01739ecba3af76805ccd3532aab"> <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-2141cb89de54cfc9c752f5dac1ed41ac0a57c82832d9910f29d1a887e7f47094"> <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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class="field__item"> <div class="paragraph paragraph--type--text paragraph--view-mode--default"> <p>The <em>Banking Issues in Focus</em> provides an in-depth analysis of topical banking issues. These articles range from timely analysis of economic and banking trends at the national and regional level that may affect the risk exposure of FDIC-insured institutions to research on issues affecting the banking system and the development of regulatory policy. These articles are featured in the <a href="/analysis/quarterly-banking-profile/fdic-quarterly/">FDIC Quarterly</a>.</p><h2>Recent Articles:</h2><p><a href="/system/files/2024-08/fdic-v18n3-2q2024-article.pdf" data-entity-type="media" data-entity-uuid="b2b5c37f-4237-4fe9-b539-f98408e7fca9" data-entity-substitution="media" type="pdf" title="U.S. Industrial Transition and Its Effect on Metro Areas and Community Banks"><span>U.S. Industrial Transition and Its Effect on Metro Areas and Community Banks</span></a><br>John M. Anderlik, J. Will Greene, Kathy Kalser, Eric Robbins, Scott Schweser and Brian L. Webb</p><p class="text-align-justify"><span>As alternative forms of energy and lower carbon technologies emerge, the economies of areas with concentrations in industries exposed to these changes may undergo transition. The FDIC study “</span><a href="https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Flnks.gd%2Fl%2FeyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDAsInVyaSI6ImJwMjpjbGljayIsInVybCI6Imh0dHBzOi8vd3d3LmZkaWMuZ292L3N5c3RlbS9maWxlcy8yMDI0LTA4L2ZkaWMtdjE4bjMtMnEyMDI0LWFydGljbGUucGRmP3NvdXJjZT1nb3ZkZWxpdmVyeSZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9Z292ZGVsaXZlcnkiLCJidWxsZXRpbl9pZCI6IjIwMjQwODEzLjk4OTc0MjQxIn0.HpAIocheZjj79YiwUXUR1H5gJRb8XUXAx6UzOSAZ0QE%2Fs%2F61007054%2Fbr%2F247330083443-l&data=05%7C02%7CJLamont%40FDIC.gov%7C64c946eb63494416317a08dcbbd3b5f4%7C26c83bc931c14d77a5230816095aba31%7C0%7C0%7C638591765202370232%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C0%7C%7C%7C&sdata=8KzqwaQy29O3YDm3pQDsER3yV%2FIpa6Oa0%2F6HebS%2FI0Q%3D&reserved=0"><span>U.S. Industrial Transition and Its Effect on Metro Areas and Community Banks</span></a><span>” explores industrial transitions in the United States between 1970 and 2019. The economies and demographics of many Metropolitan Statistical Areas (metros) changed significantly during the five-decade span. The national economy shifted away from the manufacturing sector, and industries such as steel and textiles were hollowed out by the forces of automation and globalization. In the study, the authors create a novel metric called a Transition Score to measure industrial transition across metros, use this metric to determine which metro areas were most affected by industrial transition, and compare the economic and banking performance of affected areas to areas with lower levels of transition.</span></p><p><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2024-vol18-1/article1.pdf"><strong>The Effects of Population Change on Community Bank Deposits and Loans</strong></a><br>Jared Rothman </p><p>For decades, U.S. rural county population generally declined while metropolitan county population grew robustly. The 2020 pandemic disrupted these trends, with potentially significant implications for community banks. Based on pre-pandemic data, community bank deposit growth correlated strongly with population growth. However, deposit growth kept pace with population in micropolitan counties but lagged in micropolitan and rural counties. The response of community bank loan portfolios to population growth also displayed different patterns among county types. Commercial real estate loan shares rose and residential loan shares fell, but at different rates. Commercial and industrial loan shares rose only in micropolitan counties. Agricultural loan shares rose only in metropolitan counties. If new population patterns persist, these relationships may materially affect the business models of community banks.</p><h2>Banking Issues in Focus by Topic:</h2> </div> </div> <div class="field__item"> <div class="paragraph paragraph--type--accordion-group paragraph--view-mode--default accordion-group"> <div class="accordion__group-toggle"> <button id="accordion-group-toggle-14856" class="accordion__group-toggle-button usa-button" aria-expanded="false" aria-controls="accordion-group-14856">Open All</button> </div> <div id="accordion-group-14856" > <div class="field field--name-field-folds field--type-entity-reference-revisions field--label-hidden field__items"> <div class="field__item"> <div class="accordion__fold"> <a id="bank-structure" class="accordion__anchor"></a> <button id="accordion-heading-14771" class="accordion__button" aria-expanded="false" aria-controls="accordion-content-14771"> <span class="accordion__heading"> Bank Structure </span> <span class="accordion__icon"> <i class="fa fa-chevron-right"></i> </span> </button> <div id="accordion-content-14771" class="accordion__content" role="region" aria-labelledby="accordion-heading-14771" hidden="until-found"> <div class="accordion__inner"> <div class="field field--name-field-fold-content field--type-text-long field--label-hidden field__items"> <div class="field__item"><table><tbody><tr><td><p><strong>2019</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2019-vol13-1/fdic-v13n1-4q2018-article.pdf">Merger Adjusting Bank Data: A Primer</a><br>Eric C. Breitenstein and Derek K. Thieme</li></ul></td></tr><tr><td><p><strong>2017</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2017-vol11-4/fdic-v11n4-3q2017-article2.pdf">Community Bank Mergers Since the Financial Crisis: How Acquired Community Banks Compared With their Peers</a><br>Nathan L. Hinton and Eric C. Breitenstein</li></ul></td></tr><tr><td><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2017-vol11-4/fdic-v11n4-3q2017-article1.pdf">Factors Shaping Recent Trends in Banking Office Structure For Community and Noncommunity Banks</a><br>Nathan L. Hinton, Derek K. Thieme and Angela N. Woodhead</li></ul></td></tr><tr><td><p><strong>2015</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2015-vol9-1/fdic-4q2014-v9n1-brickandmortar.pdf">Brick-and-Mortar Banking Remains Prevalent in An increasingly Virtual World</a><br>Eric C. Breitenstein and John M. McGee</li></ul></td></tr></tbody></table></div></div> </div> </div> </div> </div> <div class="field__item"> <div class="accordion__fold"> <a id="banking-policy" class="accordion__anchor"></a> <button id="accordion-heading-14776" class="accordion__button" aria-expanded="false" aria-controls="accordion-content-14776"> <span class="accordion__heading"> Banking Policy </span> <span class="accordion__icon"> <i class="fa fa-chevron-right"></i> </span> </button> <div id="accordion-content-14776" class="accordion__content" role="region" aria-labelledby="accordion-heading-14776" hidden="until-found"> <div class="accordion__inner"> <div class="field field--name-field-fold-content field--type-text-long field--label-hidden field__items"> <div class="field__item"><table><tbody><tr><td><p><strong>2011</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2011-vol5-2/article2.pdf">The Orderly Liquidation Of Lehman Brothers Holdings inc. Under the Dodd-Frank Act</a><br> </li></ul></td></tr><tr><td><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2011-vol5-2/article1.pdf">“We Must Resolve To End Too Big To Fail”</a><br> </li></ul></td></tr><tr><td><p><strong>2007</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2007-vol1-3/feature-article-1-v1n3-full.pdf">The Case For Loan Modification</a><br> </li></ul></td></tr></tbody></table></div></div> </div> </div> </div> </div> <div class="field__item"> <div class="accordion__fold"> <a id="banking-agriculture-lending-and-farm-banks" class="accordion__anchor"></a> <button id="accordion-heading-14781" class="accordion__button" aria-expanded="false" aria-controls="accordion-content-14781"> <span class="accordion__heading"> Banking: Agriculture Lending and Farm Banks </span> <span class="accordion__icon"> <i class="fa fa-chevron-right"></i> </span> </button> <div id="accordion-content-14781" class="accordion__content" role="region" aria-labelledby="accordion-heading-14781" hidden="until-found"> <div class="accordion__inner"> <div class="field field--name-field-fold-content field--type-text-long field--label-hidden field__items"> <div class="field__item"><table><tbody><tr><td><p><strong>2021</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2021-vol15-1/article1.pdf">Farm Banks: Resilience Through Changing Conditions</a><br>Richard D. Cofer Jr and John M. Anderlik</li></ul></td></tr><tr><td><p><strong>2008</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2008-vol2-4/fdic139-quarterly-vol2no4-farmland-press.pdf">Do Record Farmland Prices Portend Another Steep Downturn For Agriculture and Farm Banks?</a><br>Richard D. Cofer, Jr, Jeffrey W. Walser and Troy D. Osborne</li></ul></td></tr></tbody></table></div></div> </div> </div> </div> </div> <div class="field__item"> <div class="accordion__fold"> <a id="banking-bank-and-nonbank-lending" class="accordion__anchor"></a> <button id="accordion-heading-14786" class="accordion__button" aria-expanded="false" aria-controls="accordion-content-14786"> <span class="accordion__heading"> Banking: Bank and Nonbank Lending </span> <span class="accordion__icon"> <i class="fa fa-chevron-right"></i> </span> </button> <div id="accordion-content-14786" class="accordion__content" role="region" aria-labelledby="accordion-heading-14786" hidden="until-found"> <div class="accordion__inner"> <div class="field field--name-field-fold-content field--type-text-long field--label-hidden field__items"> <div class="field__item"><table><tbody><tr><td><p><strong>2019</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2019-vol13-4/fdic-v13n4-3q2019-article3.pdf">Trends in Mortgage Origination and Servicing: Nonbanks in the Post-Crisis Period</a><br>Kayla Shoemaker</li></ul></td></tr><tr><td><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2019-vol13-4/fdic-v13n4-3q2019-article1.pdf">Bank and Nonbank Lending Over the Past 70 Years</a><br>Kathryn Fritzdixon</li></ul></td></tr><tr><td><p><strong>2009</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2009-vol3-1/fdic140-quarterlyvol3no1-afs-final.pdf">Alternative Financial Services: A Primer</a><br>Christine Bradley, Susan Burhouse, Heather Gratton, Rae-Ann Miller</li></ul></td></tr></tbody></table></div></div> </div> </div> </div> </div> <div class="field__item"> <div class="accordion__fold"> <a id="banking-commercial-real-estate-lending" class="accordion__anchor"></a> <button id="accordion-heading-14791" class="accordion__button" aria-expanded="false" aria-controls="accordion-content-14791"> <span class="accordion__heading"> Banking: Commercial Real Estate Lending </span> <span class="accordion__icon"> <i class="fa fa-chevron-right"></i> </span> </button> <div id="accordion-content-14791" class="accordion__content" role="region" aria-labelledby="accordion-heading-14791" hidden="until-found"> <div class="accordion__inner"> <div class="field field--name-field-fold-content field--type-text-long field--label-hidden field__items"> <div class="field__item"><table><tbody><tr><td><p><strong>2021</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2021-vol15-4/article1.pdf">Commercial Real Estate: Resilience, Recovery, and Risks Ahead</a><br>Jeffrey A. Ayres, Robert M. DiChiara, Alexander J. G. Gilchrist, James K. Presley-Nelson and Stephen H. Simpson</li></ul></td></tr></tbody></table></div></div> </div> </div> </div> </div> <div class="field__item"> <div class="accordion__fold"> <a id="banking-consumer-lending" class="accordion__anchor"></a> <button id="accordion-heading-14796" class="accordion__button" aria-expanded="false" aria-controls="accordion-content-14796"> <span class="accordion__heading"> Banking: Consumer Lending </span> <span class="accordion__icon"> <i class="fa fa-chevron-right"></i> </span> </button> <div id="accordion-content-14796" class="accordion__content" role="region" aria-labelledby="accordion-heading-14796" hidden="until-found"> <div class="accordion__inner"> <div class="field field--name-field-fold-content field--type-text-long field--label-hidden field__items"> <div class="field__item"><table><tbody><tr><td><p><strong>2022</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2022-vol16-1/article1.pdf">Consumer Lending Through the Pandemic and the Recovery</a><br>Kathryn Fritzdixon</li></ul></td></tr></tbody></table></div></div> </div> </div> </div> </div> <div class="field__item"> <div class="accordion__fold"> <a id="banking-leveraged-lending-and-corporate-borrowing" class="accordion__anchor"></a> <button id="accordion-heading-14801" class="accordion__button" aria-expanded="false" aria-controls="accordion-content-14801"> <span class="accordion__heading"> Banking: Leveraged Lending and Corporate Borrowing </span> <span class="accordion__icon"> <i class="fa fa-chevron-right"></i> </span> </button> <div id="accordion-content-14801" class="accordion__content" role="region" aria-labelledby="accordion-heading-14801" hidden="until-found"> <div class="accordion__inner"> <div class="field field--name-field-fold-content field--type-text-long field--label-hidden field__items"> <div class="field__item"><table><tbody><tr><td><p><strong>2019</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2019-vol13-4/fdic-v13n4-3q2019-article2.pdf">Leveraged Lending and Corporate Borrowing: increased Reliance On Capital Markets, With Important Bank Links</a><br>Frank Martin-Buck</li></ul></td></tr></tbody></table></div></div> </div> </div> </div> </div> <div class="field__item"> <div class="accordion__fold"> <a id="banking-residential-lending" class="accordion__anchor"></a> <button id="accordion-heading-14806" class="accordion__button" aria-expanded="false" aria-controls="accordion-content-14806"> <span class="accordion__heading"> Banking: Residential Lending </span> <span class="accordion__icon"> <i class="fa fa-chevron-right"></i> </span> </button> <div id="accordion-content-14806" class="accordion__content" role="region" aria-labelledby="accordion-heading-14806" hidden="until-found"> <div class="accordion__inner"> <div class="field field--name-field-fold-content field--type-text-long field--label-hidden field__items"> <div class="field__item"><table><tbody><tr><td><p><strong>2021</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2021-vol15-2/article2.pdf">Residential Lending During the Pandemic</a><br>Cynthia Angell</li></ul></td></tr><tr><td><p><strong>2010</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2010-vol4-1/fdic-quarterly-vol4no1-article.pdf">Measuring Progress in U.S. Housing and Mortgage Markets</a><br>Cynthia Angell and Robert M. Miller</li></ul></td></tr></tbody></table></div></div> </div> </div> </div> </div> <div class="field__item"> <div class="accordion__fold"> <a id="banking-small-business-lending" class="accordion__anchor"></a> <button id="accordion-heading-14811" class="accordion__button" aria-expanded="false" aria-controls="accordion-content-14811"> <span class="accordion__heading"> Banking: Small Business Lending </span> <span class="accordion__icon"> <i class="fa fa-chevron-right"></i> </span> </button> <div id="accordion-content-14811" class="accordion__content" role="region" aria-labelledby="accordion-heading-14811" hidden="until-found"> <div class="accordion__inner"> <div class="field field--name-field-fold-content field--type-text-long field--label-hidden field__items"> <div class="field__item"><table><tbody><tr><td><p><strong>2011</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2011-vol5-1/fdic-vol5no1-article-1.pdf">Microenterprise Development: A Primer</a><br>Rae-Ann Miller, Heather Gratton, Luke Reynolds, Disha Shah and Kathy Zeidler</li></ul></td></tr></tbody></table></div></div> </div> </div> </div> </div> <div class="field__item"> <div class="accordion__fold"> <a id="climate-change-analysis" class="accordion__anchor"></a> <button id="accordion-heading-14821" class="accordion__button" aria-expanded="false" aria-controls="accordion-content-14821"> <span class="accordion__heading"> Climate Change Analysis </span> <span class="accordion__icon"> <i class="fa fa-chevron-right"></i> </span> </button> <div id="accordion-content-14821" class="accordion__content" role="region" aria-labelledby="accordion-heading-14821" hidden="until-found"> <div class="accordion__inner"> <div class="field field--name-field-fold-content field--type-text-long field--label-hidden field__items"> <div class="field__item"><table><tbody><tr><td><p><strong>2024</strong></p><ul><li><a href="#/system/files/2024-08/fdic-v18n3-2q2024-article.pdf"><span>FDIC Quarterly Report Provides Insight Into Potential Challenges for U.S. Metro Areas That Rely on Key Industries With the Possibility of Transition</span></a><br>John M. Anderlik, J. Will Greene, Kathy Kalser, Eric Robbins, Scott Schweser and Brian L. Webb</li></ul></td></tr></tbody></table></div></div> </div> </div> </div> </div> <div class="field__item"> <div class="accordion__fold"> <a id="community-banking" class="accordion__anchor"></a> <button id="accordion-heading-14816" class="accordion__button" aria-expanded="false" aria-controls="accordion-content-14816"> <span class="accordion__heading"> Community Banking </span> <span class="accordion__icon"> <i class="fa fa-chevron-right"></i> </span> </button> <div id="accordion-content-14816" class="accordion__content" role="region" aria-labelledby="accordion-heading-14816" hidden="until-found"> <div class="accordion__inner"> <div class="field field--name-field-fold-content field--type-text-long field--label-hidden field__items"> <div class="field__item"><table><tbody><tr><td><p><strong>2022</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2022-vol16-3/article1.pdf">Community Bank Performance in Manufacturing-Concentrated States</a><br>Chester Polson and Stephen Kiser</li></ul></td></tr><tr><td><p><strong>2021</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2021-vol15-3/article1.pdf">The Importance Of Technology Investments For Community Bank Lending and Deposit Taking During the Pandemic</a><br>Daniel Hoople</li></ul></td></tr><tr><td><p><strong>2020</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2020-vol14-4/article1.pdf">The Importance Of Community Banks in Paycheck Protection Program Lending</a><br>Margaret Hanrahan and Angela Hinton</li></ul></td></tr><tr><td><p><strong>2016</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2016-vol10-4/article2.pdf">Mutual Institutions: Owned By the Communities they Serve</a><br>Eric C. Breitenstein and Clayton W. Boyce</li></ul></td></tr><tr><td><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2016-vol10-4/article1.pdf">Core Profitability Of Community Banks: 1985-2015</a><br>Jared Fronk</li></ul></td></tr><tr><td><p><strong>2015</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2015-vol9-4/article1.pdf">Financial Performance and Management Structure Of Small, Closely Held Banks</a><br>John M. Anderlik, Richard A. Brown and Kathryn L. Fritzdixon</li></ul></td></tr><tr><td><p><strong>2014</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2014-vol8-2/article1.pdf">Community Banks Remain Resilient Amid industry Consolidation</a><br>Benjamin R. Backup and Richard A. Brown</li></ul></td></tr><tr><td><p><strong>2013</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2013-vol7-4/article.pdf">Community Bank Developments in 2012</a><br>Benjamin R. Backup</li></ul></td></tr></tbody></table></div></div> </div> </div> </div> </div> <div class="field__item"> <div class="accordion__fold"> <a id="consumer-issues" class="accordion__anchor"></a> <button id="accordion-heading-109586" class="accordion__button" aria-expanded="false" aria-controls="accordion-content-109586"> <span class="accordion__heading"> Consumer Issues </span> <span class="accordion__icon"> <i class="fa fa-chevron-right"></i> </span> </button> <div id="accordion-content-109586" class="accordion__content" role="region" aria-labelledby="accordion-heading-109586" hidden="until-found"> <div class="accordion__inner"> <div class="field field--name-field-fold-content field--type-text-long field--label-hidden field__items"> <div class="field__item"><table><tbody><tr><td><p><strong>2010</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2010-vol4-2/fdic-quarterly-vol4no2-smalldollar.pdf">A Template For Success: the FDIC's Small-Dollar Loan Pilot Program</a><br>Rae-Ann Miller, Susan Burhouse, Luke Reynolds and Aileen G. Sampson</li></ul></td></tr><tr><td><p><strong>2009</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2009-vol3-2/smalldollar.pdf">The FDIC's Small-Dollar Loan Pilot Program: A Case Study After One Year</a><br>Rae-Ann Miller, Susan Burhouse and Aileen G. Sampson</li></ul></td></tr><tr><td><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2009-vol3-2/unbanked.pdf">Findings From the FDIC Survey Of Bank Efforts To Serve the Unbanked and Underbanked</a><br>Barbara Ryan and Susan Burhouse</li></ul></td></tr><tr><td><p><strong>2008</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2008-vol2-3/fdic135-quarterly-vol2no3-small-dollar-article.pdf">An introduction To the FDIC's Small-Dollar Loan Pilot Program</a><br>Rae-Ann Miller, Susan Burhouse and Aileen G. Sampson</li></ul></td></tr><tr><td><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2008-vol2-1/buildingassets.pdf">Building Assets, Building Relationships: Bank Strategies For Encouraging Lower-income Households To Save</a><br>Rae-Ann Miller, Susan Burhouse and Luke Reynolds</li></ul></td></tr><tr><td><p><strong>2007</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2007-vol1-2/banking-financial-edu.pdf">Banking On Financial Education</a><br>Susan E. Burhouse, Angelisa M. Harris and Luke W. Reynolds</li></ul></td></tr></tbody></table></div></div> </div> </div> </div> </div> <div class="field__item"> <div class="accordion__fold"> <a id="deposit-insurance" class="accordion__anchor"></a> <button id="accordion-heading-14826" class="accordion__button" aria-expanded="false" aria-controls="accordion-content-14826"> <span class="accordion__heading"> Deposit Insurance </span> <span class="accordion__icon"> <i class="fa fa-chevron-right"></i> </span> </button> <div id="accordion-content-14826" class="accordion__content" role="region" aria-labelledby="accordion-heading-14826" hidden="until-found"> <div class="accordion__inner"> <div class="field field--name-field-fold-content field--type-text-long field--label-hidden field__items"> <div class="field__item"><table><tbody><tr><td><p><strong>2010</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2010-vol4-4/fdic-quarterly-v4n4-fundmgmt-121610.pdf">Toward A Long-Term Strategy For Deposit insurance Fund Management</a><br>Lee K. Davison and Ashley M. Carreon</li></ul></td></tr><tr><td><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2010-vol4-2/fdic-quarterly-vol4no2-claimsarticle.pdf">A Guide To Processing Deposit insurance Claims: A Cross-Country Perspective</a><br>Christine E. Blair and Rose M. Kushmeider</li></ul></td></tr><tr><td><p><strong>2008</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2008-vol2-1/municipaldep.pdf">Increasing Deposit insurance Coverage For Municipalities and Other Units Of General Government: Results Of the 2006 FDIC Study</a><br>Christine M. Bradley and Valentine V. Craig</li></ul></td></tr><tr><td><p><strong>2007</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2007-vol1-3/feature-article-2-v1n3-full.pdf">Establishing Voluntary Excess Deposit insurance: Results Of the 2006 FDIC Study</a><br>Christine M. Bradley and Valentine V. Craig</li></ul></td></tr><tr><td><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2007-vol1-2/privatizing-deposit-insurance.pdf">Privatizing Deposit insurance: Results Of the 2006 FDIC Study</a><br>Christine M. Bradley and Valentine V. Craig</li></ul></td></tr></tbody></table></div></div> </div> </div> </div> </div> <div class="field__item"> <div class="accordion__fold"> <a id="deposit-trends" class="accordion__anchor"></a> <button id="accordion-heading-14831" class="accordion__button" aria-expanded="false" aria-controls="accordion-content-14831"> <span class="accordion__heading"> Deposit Trends </span> <span class="accordion__icon"> <i class="fa fa-chevron-right"></i> </span> </button> <div id="accordion-content-14831" class="accordion__content" role="region" aria-labelledby="accordion-heading-14831" hidden="until-found"> <div class="accordion__inner"> <div class="field field--name-field-fold-content field--type-text-long field--label-hidden field__items"> <div class="field__item"><table><tbody><tr><td><p><strong>2024</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2024-vol18-1/article2.pdf">2023 Summary of Deposits Highlights</a><br>Michael Hoffman, Camille Keith, Joycelyn Lu and LaShawn Reed-Butler</li></ul></td></tr><tr><td><p><strong>2023</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2023-vol17-1/article1.pdf">2022 Summary Of Deposits Highlights</a><br>Angela Hinton, Michael Hoffman, Caitlyn R. Kasper and Joycelyn Lu</li></ul></td></tr><tr><td><p><strong>2022</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2022-vol16-1/article2.pdf">2021 Summary Of Deposits Highlights</a><br>Caitlyn R. Kasper, Camille A. Keith, Erica J. Tholmer and Anthony M. Waltrich</li></ul></td></tr><tr><td><p><strong>2021</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2021-vol15-4/article2.pdf">Implications Of Record Deposit inflows For Banks During the Pandemic</a><br>Caitlyn R. Kasper and Benjamin Tikvina</li></ul></td></tr><tr><td><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2021-vol15-1/article2.pdf">2020 Summary Of Deposits Highlights</a><br>Joseph R. Harris III, Caitlyn R. Kasper, Camille A. Keith and Derek K. Thieme</li></ul></td></tr><tr><td><p><strong>2020</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2020-vol14-1/fdic-v14n1-4q2019-article.pdf">2019 Summary Of Deposits Highlights</a><br>Joseph R. Harris III, Caitlyn R. Kasper, Christopher J. Raslavich and Derek K. Thieme</li></ul></td></tr><tr><td><p><strong>2018</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2018-vol12-4/fdic-v12n4-3q2018-article.pdf">Deposit Growth Slows and Office Decline Continues</a><br>Joseph R. Harris III, Derek K. Thieme and Angela N. Woodhead</li></ul></td></tr><tr><td><p><strong>2017</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2017-vol11-1/article1.pdf">Banks Attract More Deposits While Operating Fewer Offices</a><br>Nathan L. Hinton, Derek K. Thieme and Angela N. Woodhead</li></ul></td></tr><tr><td><p><strong>2013</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2013-vol7-1/article.pdf">Highlights From the 2012 Summary Of Deposits</a><br>Andrew D. Carayiannis</li></ul></td></tr><tr><td><p><strong>2011</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2011-vol5-4/article1.pdf">Highlights From the 2011 Summary Of Deposits</a><br>Andrew D. Carayiannis</li></ul></td></tr><tr><td><p><strong>2010</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2010-vol4-4/fdic-quarterly-v4n4-sod-120610.pdf">Highlights From the 2010 Summary Of Deposits</a><br>Robert E. Basinger</li></ul></td></tr><tr><td><p><strong>2009</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2009-vol3-4/fdic-quarterly-vol3no4-article.pdf">Highlights From the 2009 Summary Of Deposits Data</a><br>Robert E. Basinger</li></ul></td></tr><tr><td><p><strong>2008</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2008-vol2-4/fdic139-quarterly-vol2no4-sod-press.pdf">Highlights From the 2008 Summary Of Deposits Data</a><br>Robert E. Basinger</li></ul></td></tr><tr><td><p><strong>2007</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2007-vol1-1/idas.pdf">Individual Development Accounts and Banks: A Solid “Match”</a><br>Rae-Ann Miller</li></ul></td></tr></tbody></table></div></div> </div> </div> </div> </div> <div class="field__item"> <div class="accordion__fold"> <a id="market-conditions-and-banking-outcomes" class="accordion__anchor"></a> <button id="accordion-heading-14836" class="accordion__button" aria-expanded="false" aria-controls="accordion-content-14836"> <span class="accordion__heading"> Market Conditions and Banking Outcomes </span> <span class="accordion__icon"> <i class="fa fa-chevron-right"></i> </span> </button> <div id="accordion-content-14836" class="accordion__content" role="region" aria-labelledby="accordion-heading-14836" hidden="until-found"> <div class="accordion__inner"> <div class="field field--name-field-fold-content field--type-text-long field--label-hidden field__items"> <div class="field__item"><table><tbody><tr><td><p><strong>2023</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2023-vol17-4/fdic-v17n4-3q2023.pdf#page=49">Implications of High Inflation for Banking Outcomes and Deposit Flows: Observations from 2021 to 2022 and the 1970s</a><br>Kate Fritzdixon</li><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2023-vol17-3/article1.pdf">Banking Sector Performance During Two Periods of Sharply Higher Interest Rates: 2022 and 2004 to 2006</a><br>Nafij Ahmed, Dorothy G. Miranda and Krishna Patel</li></ul></td></tr><tr><td><p><strong>2021</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2021-vol15-2/article1.pdf">The Historic Relationship Between Bank Net interest Margins and Short-Term interest Rates</a><br>Angela Hinton and Chester Polson</li></ul></td></tr></tbody></table></div></div> </div> </div> </div> </div> <div class="field__item"> <div class="accordion__fold"> <a id="minority-depository-institutions" class="accordion__anchor"></a> <button id="accordion-heading-14841" class="accordion__button" aria-expanded="false" aria-controls="accordion-content-14841"> <span class="accordion__heading"> Minority Depository Institutions </span> <span class="accordion__icon"> <i class="fa fa-chevron-right"></i> </span> </button> <div id="accordion-content-14841" class="accordion__content" role="region" aria-labelledby="accordion-heading-14841" hidden="until-found"> <div class="accordion__inner"> <div class="field field--name-field-fold-content field--type-text-long field--label-hidden field__items"> <div class="field__item"><table><tbody><tr><td><p><strong>2014</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2014-vol8-3/mdi-study.pdf">Minority Depository institutions: Structure, Performance, and Social Impact</a><br>Eric C. Breitenstein, Karyen Chu, Kathy Kalser and Eric W. Robbins</li></ul></td></tr></tbody></table></div></div> </div> </div> </div> </div> <div class="field__item"> <div class="accordion__fold"> <a id="population-and-demographics" class="accordion__anchor"></a> <button id="accordion-heading-14846" class="accordion__button" aria-expanded="false" aria-controls="accordion-content-14846"> <span class="accordion__heading"> Population and Demographics </span> <span class="accordion__icon"> <i class="fa fa-chevron-right"></i> </span> </button> <div id="accordion-content-14846" class="accordion__content" role="region" aria-labelledby="accordion-heading-14846" hidden="until-found"> <div class="accordion__inner"> <div class="field field--name-field-fold-content field--type-text-long field--label-hidden field__items"> <div class="field__item"><table><tbody><tr><td><p><strong>2023</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2024-vol18-1/article1.pdf">The Effects of Population Change on Community Bank Deposits and Loans</a><br>Jared Rothman</li></ul></td></tr><tr><td><p><strong>2014</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2014-vol8-2/article2.pdf">Long-Term Trends in Rural Depopulation and their Implications For Community Banks</a><br>John M. Anderlik and Richard D. Cofer Jr</li></ul></td></tr></tbody></table></div></div> </div> </div> </div> </div> <div class="field__item"> <div class="accordion__fold"> <a id="regional-banking-conditions" class="accordion__anchor"></a> <button id="accordion-heading-14851" class="accordion__button" aria-expanded="false" aria-controls="accordion-content-14851"> <span class="accordion__heading"> Regional Banking Conditions </span> <span class="accordion__icon"> <i class="fa fa-chevron-right"></i> </span> </button> <div id="accordion-content-14851" class="accordion__content" role="region" aria-labelledby="accordion-heading-14851" hidden="until-found"> <div class="accordion__inner"> <div class="field field--name-field-fold-content field--type-text-long field--label-hidden field__items"> <div class="field__item"><table><tbody><tr><td><p><strong>2009</strong></p><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2009-vol3-1/vol3-1-financial-sector.pdf">The 2009 Economic Landscape: Financial Sector Woes Pressure the Northeast</a><br>Robert M. DiChiara and Kathy R. Kalser</li></ul></td></tr><tr><td><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2009-vol3-1/vol3-1-energy-ag.pdf">The 2009 Economic Landscape: How Long Can Energy and Agriculture Boost the Nation's Midsection?</a><br>Adrian R. Sanchez and John M. Anderlik</li></ul></td></tr><tr><td><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2009-vol3-1/fdic140-recession-final.pdf">The 2009 Economic Landscape: How the Recession Is Unfolding Across Four U.S. Regions</a><br>Robert M. DiChiara and Kathy R. Kalser</li></ul></td></tr><tr><td><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2009-vol3-1/vol3-1-industrial-midwest.pdf">The 2009 Economic Landscape: Recession Adds To Long-Term Manufacturing Challenges in the industrial Midwest</a><br>Patrick M. Dervin and John M. Anderlik</li></ul></td></tr><tr><td><ul><li><a href="/analysis/quarterly-banking-profile/fdic-quarterly/2009-vol3-1/vol3-1-sand-states.pdf">The 2009 Economic Landscape: the Sand States: Anatomy Of A Perfect Housing-Market Storm</a><br>Shayna M. Olesuk and Kathy R. Kalser</li></ul></td></tr></tbody></table></div></div> </div> </div> </div> </div></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 15, 2024</p> </div> </main> </div> </div> <footer class="usa-footer usa-footer--medium"> <div class="footer-primary"> <div class="grid-container flex-row-wrap flex-center-x flex-children-1 mobile--flex-col"> <div id="block-fdic-theme-footercontactthefdic" class="block block-block-content block-block-content1ad48bca-4eaa-42fe-9f6e-ca59046baba4"> <div class="field field--name-body field--type-text-with-summary field--label-hidden field__items"> <div class="field__item"><div class="text-center"><p class="font-size-1p5 text-fdic-white font-title margin-bottom-1p6875 text-center font-weight-100">CONTACT THE FDIC</p><div class="flex-row-nowrap flex-center-xy margin-bottom-1p5"><a class="usa-button" 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