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ABA: The American Bankers Association
Industry Insight

Bank & Thrift Performance Trends Q4 FY 2025

  • Brought to you by Forvis Mazars
  • Published June 10, 2026

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The Q4 FY2025 Bank & Thrift Report provides a comprehensive snapshot of U.S. banking sector performance, highlighting steady balance sheet growth, improving capital positions, and resilient profitability despite a higher-rate environment. The report underscores continued margin pressure alongside evolving deposit dynamics, with institutions adapting through pricing strategies and disciplined cost management. Credit quality remains broadly stable, though early signs of stress are emerging in select portfolios such as commercial real estate. Overall, the report points to a sector that remains fundamentally sound, but increasingly focused on risk management, liquidity, and operational efficiency in response to ongoing economic uncertainty.

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