Latest FDIC Data Show Industrial Banks Continue to Outperform U.S. Banking Sector
The latest quarterly data released by the Federal Deposit Insurance Corporation (FDIC) confirm that industrial banks remain among the nation’s strongest and safest financial institutions compared to banking peers.
According to the FDIC’s Reports of Condition for calendar year 2025—as compiled by The University of Utah’s Fintech Center—industrial banks reported an equity-to-asset ratio of 11.3 %, compared with 10.3 % for other U.S. banks. That difference of one full percentage point demonstrates that industrial banks have a 10 percent stronger capital advantage over peer institutions.
“This data reinforces what we’ve seen quarter after quarter: industrial banks are among the best-capitalized, best-managed, and safest institutions in the country,” said Frank Pignanelli, Executive Director of the National Association of Industrial Bankers. “Their strength benefits communities nationwide—supporting jobs, credit access, and responsible innovation.”
In addition to stronger capitalization, industrial banks continue to report above-average profitability and stable asset quality, reflecting prudent oversight by both the FDIC and state regulators.