FDIC Bank Statistics
Data as of · figures update with each FDIC data refresh
PlainBankData tracks 4,313 FDIC-insured banks holding $25.16T in combined total assets, compiled from Federal Deposit Insurance Corporation (FDIC) Call Report data. This page collects the national reference figures behind PlainBankData, with the methodology for every derived number, including the health-grade formula.
- FDIC-insured banks
- 4,313
- Total assets
- $25.16T
- Total deposits
- $19.95T
- Historical failures
- 4,114
Key findings
Headline figures from FDIC data, free to cite, with attribution to PlainBankData (July 2026).
- 4,313 FDIC-insured banks are tracked on PlainBankData, holding $25.16T in combined total assets and $19.95T in combined deposits, according to FDIC Call Report data.
- $3.75T is the total-asset size of JPMorgan Chase Bank, National Association, the largest FDIC-insured bank by reported balance-sheet assets, headquartered in OH.
- 48% of graded FDIC-insured banks (2,052 of 4,307) carry PlainBankData's top "A" health grade, a composite of Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%).
- 4,114 FDIC-insured bank failures have been resolved by the FDIC since 1934, the earliest year in the Failed Bank List.
- 478 of those failures occurred during the 2008-2012 financial crisis window alone - about 12% of all recorded FDIC bank failures on file.
- 911 is the raw count of historical bank failures headquartered in TX, the most of any state on file (a function of the number of banks chartered there over time, not a risk ranking).
- 15.5% is the average Tier 1 capital ratio across 4,278 FDIC-insured banks with a reported ratio in the typical 0-100% range, well above the 6% federal "adequately capitalized" minimum and close to the 10% "well-capitalized" threshold.
- 20 banks currently carry a Texas Ratio above 50% (problem assets exceeding half of tangible equity plus loan-loss reserves) - an elevated-risk signal regulators watch closely, not a prediction of failure.
Largest banks by total assets
JPMorgan Chase Bank, National Association is the largest FDIC-insured bank by reported balance-sheet assets, at $3.75T. The five largest banks together hold $10.72T in combined assets.
| # | Bank | Total assets |
|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | $3.75T |
| 2 | Bank of America, National Association | $2.64T |
| 3 | Citibank, National Association | $1.84T |
| 4 | Wells Fargo Bank, National Association | $1.82T |
| 5 | U.S. Bank National Association | $676.1B |
Full directory: top 10 US banks by total assets.
Health grade distribution
PlainBankData computes a health grade for every FDIC-insured bank from four weighted FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%) (see the methodology for the exact formula). Of 4,307 graded banks, 48% hold the top "A" grade.
| Grade | Banks |
|---|---|
| A | 2,052 |
| B | 1,479 |
| C | 607 |
| D | 126 |
| F | 43 |
Bank failures since 1934
The FDIC has resolved 4,114 bank failures since 1934, according to the FDIC Failed Bank List. 478 of those, about 12%, occurred during the 2008-2012 financial crisis alone. TX has the most historical failures of any state on file (911), reflecting the number of banks chartered there over time rather than a comparative risk ranking.
Full breakdown: bank failure history by year and the failed bank directory.
Capital adequacy
Across 4,278 FDIC-insured banks with a Tier 1 capital ratio in the typical 0-100% range (24 banks reporting an unusually high ratio, a known edge case for very small risk-weighted-asset bases, are excluded from this average), the average Tier 1 capital ratio is 15.5%. Federal regulators set the "well-capitalized" bar at 10% and the "adequately capitalized" minimum at 6%. 20 banks currently carry a Texas Ratio above 50%, an elevated-risk signal, not a prediction of failure. See the methodology for how these ratios are defined and sourced.
Using these figures
Every number on this page is read directly from the underlying FDIC dataset at the data vintage shown above, nothing is estimated or hand-entered. Figures change when the FDIC publishes new Call Report data and our pipeline ingests it, so a citation should include the as-of date. PlainBankData does not recommend or endorse any institution; the health grade and capital ratios describe reported financial condition, not a guarantee of safety.
Download the financial-condition dataset
Download the current FDIC-derived bank records, including the metrics behind PlainBankData's health grade. Amounts are reported in thousands of dollars; health fields are PlainBankData reference calculations, not FDIC ratings.
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Source: Federal Deposit Insurance Corporation (FDIC) BankFind Suite Call Report financial data; Failed Bank List · July 2026 Aggregates computed by PlainBankData from the official FDIC files.