US Banks Report $306.1 Billion in Unrealized Losses in Q4 2025

US banks reported $306.1 billion in unrealized losses on securities in the fourth quarter of 2025. According to NS3.AI, this figure represents a 9.2% decrease from the previous quarter and is the lowest since the first quarter of 2022. The Federal Deposit Insurance Corporation (FDIC) added three banks to the problem bank list, bringing the total to 60, which accounts for 1.4% of all banks and remains within normal non-crisis ranges. Despite the unrealized losses and some operational weaknesses, US banks achieved record profits of $295.6 billion for the year. This was supported by higher net interest and non-interest income, indicating a robust financial performance despite the challenges faced.