Summary
- Full- Year Return on Assets (“ROA”) and Net Income Improved Significantly from 2024
- Due to the recent government shutdown, this initial report for the third quarter of 2025 replaces the release of the advance estimate originally scheduled for October 30 and the second estimate originally scheduled for November 26.
- Quarterly Net Income Declined from the Prior Quarter but Rose from the Year-Ago Quarter
- Net Interest Margin (“NIM”) Improved from the Prior Quarter to 3.39%
- Loan Growth Continued to Expand, Accelerating 5.9% from the Year-Ago Quarter
- Domestic Deposits Increased for the Sixth Consecutive Quarter
- Asset Quality Metrics Remained Generally Favorable, Though Weakness in Certain Portfolios Persisted
- The Deposit Insurance Fund Reserve Ratio Increased to 1.42%
