Track U.S. banking stress with official Fed and FDIC data, including bank deposits, Fed lending, unrealized losses and bank failures
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Explore U.S. banking conditions
Bank Deposits
Deposits at all U.S. commercial banks. These are seasonally adjusted weekly levels, not a measure of uninsured deposits. Declines may reflect transfers, seasonal adjustment, structural changes or funding pressure.
Large and small groups cover domestically chartered banks; the all-bank total also includes foreign-related institutions. Group membership can change.
Bank Deposits history
Weekly observations
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Recent observations
Latest 12 periods
| Period | Value | Change |
|---|---|---|
| Oct 21, 2026 | $19.77T | −$31.68B |
| Oct 14, 2026 | $19.80T | +$38.50B |
| Oct 7, 2026 | $19.76T | +$69.93B |
| Sep 30, 2026 | $19.69T | +$55.98B |
| Sep 23, 2026 | $19.64T | +$66.15B |
| Sep 16, 2026 | $19.57T | −$88.82B |
| Sep 9, 2026 | $19.66T | +$91.52B |
| Sep 2, 2026 | $19.57T | +$8.32B |
| Aug 26, 2026 | $19.56T | +$23.88B |
| Aug 19, 2026 | $19.54T | −$111.70M |
| Aug 12, 2026 | $19.54T | +$38.79B |
| Aug 5, 2026 | $19.50T | +$130.10B |
Source: Federal Reserve Board · H.8
Fed Primary Credit
Outstanding primary credit from the Federal Reserve discount window. A rise shows greater use of this funding facility; it does not by itself establish that banks are insolvent or that a crisis is underway.
Fed Primary Credit history
Weekly observations
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Recent observations
Latest 12 periods
| Period | Value | Change |
|---|---|---|
| Oct 28, 2026 | $9.54B | +$369.00M |
| Oct 21, 2026 | $9.17B | −$1.88B |
| Oct 14, 2026 | $11.04B | +$1.08B |
| Oct 7, 2026 | $9.97B | +$1.23B |
| Sep 30, 2026 | $8.74B | +$2.50B |
| Sep 23, 2026 | $6.24B | −$644.00M |
| Sep 16, 2026 | $6.88B | +$1.04B |
| Sep 9, 2026 | $5.84B | +$556.00M |
| Sep 2, 2026 | $5.28B | +$392.00M |
| Aug 26, 2026 | $4.89B | −$148.00M |
| Aug 19, 2026 | $5.04B | −$606.00M |
| Aug 12, 2026 | $5.64B | +$387.00M |
Source: Federal Reserve Board · H.4.1
Securities Marks
Unrealized gains or losses on non-equity investment securities, relative to amortized cost. Negative values are losses. Includes held-to-maturity and available-for-sale portfolios; this is not a realized loss or a direct deduction from regulatory capital.
Securities Marks history
Quarterly observations
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Recent observations
Latest 12 periods
| Period | Value | Change |
|---|---|---|
| 2026 Q2 | −5.5% | +0.0 pp |
| 2026 Q1 | −5.5% | -0.2 pp |
| 2025 Q4 | −5.3% | +0.5 pp |
| 2025 Q3 | −5.8% | +1.0 pp |
| 2025 Q2 | −6.8% | +0.4 pp |
| 2025 Q1 | −7.2% | +1.2 pp |
| 2024 Q4 | −8.4% | -2.0 pp |
| 2024 Q3 | −6.4% | +2.7 pp |
| 2024 Q2 | −9.1% | +0.0 pp |
| 2024 Q1 | −9.1% | -0.6 pp |
| 2023 Q4 | −8.5% | +3.7 pp |
| 2023 Q3 | −12.2% | -2.4 pp |
Source: FDIC · Quarterly Banking Profile · Quarterly release
Problem Banks
The published number of FDIC-insured banks with CAMELS composite ratings of 4 or 5. Individual names are confidential. This is a supervisory classification, not a count of banks expected to fail.
Problem Banks history
Quarterly observations
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Recent observations
Latest 12 periods
| Period | Value | Change |
|---|---|---|
| 2026 Q2 | 47 | −7 |
| 2026 Q1 | 54 | −6 |
| 2025 Q4 | 60 | +3 |
| 2025 Q3 | 57 | −2 |
| 2025 Q2 | 59 | −4 |
| 2025 Q1 | 63 | −3 |
| 2024 Q4 | 66 | −2 |
| 2024 Q3 | 68 | +2 |
| 2024 Q2 | 66 | +3 |
| 2024 Q1 | 63 | +11 |
| 2023 Q4 | 52 | +8 |
| 2023 Q3 | 44 | +1 |
Source: FDIC · Quarterly Banking Profile · Quarterly release
Bank Failures
FDIC-recorded bank failures since 2000. Assistance transactions are excluded. The current year is incomplete. Reported assets are the banks’ assets from final Call Reports, not the FDIC’s losses or resolution costs.
Bank Failures history
Annual observations
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Current year is incomplete. The amber bar identifies YTD.
Recent observations
Latest 12 periods
| Period | Value | Change |
|---|---|---|
| 2026 YTD | 4 | Incomplete year |
| 2025 | 2 | 0 |
| 2024 | 2 | −3 |
| 2023 | 5 | +5 |
| 2022 | 0 | 0 |
| 2021 | 0 | −4 |
| 2020 | 4 | 0 |
| 2019 | 4 | +4 |
| 2018 | 0 | −8 |
| 2017 | 8 | +3 |
| 2016 | 5 | −3 |
| 2015 | 8 | −10 |
Source: FDIC · BankFind Suite
Recent bank failures · Names and reported assets
Actual FDIC-recorded failures, shown newest first. Assets are not resolution losses.
| Failure date | Bank | State | Assets |
|---|---|---|---|
| 2026-07-17 | SMALL BUSINESS BANK | KS | $72.95M |
| 2026-07-10 | KENTLAND FS&LA | IN | $3.81M |
| 2026-05-01 | COMMUNITY BANK AND TRUST – WEST GEORGIA | GA | $305.72M |
| 2026-01-30 | METROPOLITAN CAPITAL B&T | IL | $261.19M |
| 2025-06-27 | SANTA ANNA NATIONAL BANK | TX | $76.94M |
| 2025-01-17 | PULASKI SAVINGS BANK | IL | $49.47M |
| 2024-10-18 | FIRST NB OF LINDSAY | OK | $107.85M |
| 2024-04-26 | REPUBLIC BANK | PA | $5.87B |
| 2023-11-03 | CITIZENS BANK | IA | $60.45M |
| 2023-07-28 | HEARTLAND TRI-STATE BANK | KS | $139.45M |
| 2023-05-01 | FIRST REPUBLIC BANK | CA | $212.64B |
| 2023-03-12 | SIGNATURE BANK | NY | $110.36B |
Why these indicators matter for gold
Banking stress can change confidence in financial institutions, demand for liquid assets and expectations for central-bank policy. These channels can influence gold, but their effects vary. Gold can also be sold to raise cash during a market shock. Read banking conditions alongside U.S. real yields and the Fed balance sheet.
Methodology & data notes
Each indicator shows its observation date. Source-check diagnostics are available to the site administrator. A successful source check does not mean a new observation was published. Source checks are scheduled twice daily. Failed checks retain saved data and schedule a retry. Quarterly data remain unchanged between releases. This tool does not calculate a crisis probability or a trading signal.
H.8: weekly, seasonally adjusted deposits, stored in USD millions at source precision. All commercial banks: B1058NCBA; large domestically chartered banks: B1058NLGA; small domestically chartered banks: B1058NSMA. All-bank totals include foreign-related institutions. Simple changes in levels are calculated by Silver Dominion; they are not the Fed’s break-adjusted annualized growth rates. Mergers, reclassifications and changes in seasonal factors can affect comparisons.
H.4.1: RESPPALDP_N.WW, primary credit, weekly Wednesday levels, USD millions. It excludes other discount-window credit categories and other lending facilities. Full Fed XML history is checked when accessible; published revisions replace saved history. The Fed has announced eventual retirement of its Data Download Program; a source-format change may require a plugin update.
FDIC QBP: securities marks are signed unrealized gains or losses as a percentage of amortized cost. Negative numbers are losses. The separate dollar amount is the publication’s reported total AFS and HTM losses. Quarterly historical coverage depends on available tables; the bundled quarterly series starts in 2023 Q3. The administration screen distinguishes a publication snapshot from a successful direct-source check. Problem-bank names are confidential; only published aggregate counts are used.
FDIC failures: complete API response is checked before filtering to RESTYPE=FAILURE and dates since January 1, 2000. Assets (QBFASSET) are reported in USD thousands and converted to millions. Assistance transactions are excluded. Annual counts are calculated from events. Current-year data are YTD through the shown date; incomplete-year changes are not displayed as comparable full-year changes. An unavailable or unverified value is never replaced with an estimate.
Independent Silver Dominion presentation, not affiliated with or endorsed by the Federal Reserve or FDIC. Sources: Federal Reserve Board public-domain policy and FDIC public-data API. No official logos or third-party chart images are used. Charts, CSV and image exports are generated locally. No paid feed, API key, visitor cookies, external chart service or visitor tracking is required by this plugin.
Understanding U.S. Banking Stress and Financial Stability
The health of the U.S. banking system plays an important role in financial markets. When banks experience deposit outflows, funding pressures or growing losses on their assets, the consequences can extend beyond the financial sector.
The U.S. Banking Stress Tracker brings together official Federal Reserve and FDIC data to help identify changes in banking conditions. Key indicators include bank deposits, Federal Reserve lending, unrealized securities losses, problem banks and bank failures.
Deposit withdrawals do not automatically signal a banking crisis. Money can move between institutions or into money market funds as interest rates change. Similarly, unrealized losses do not necessarily become realized losses unless securities are sold or other circumstances require them to be recognized.
Understanding these distinctions is essential when evaluating financial stability.
What Can Banking Stress Indicators Tell Investors?
Banking stress often develops through several connected pressures. Rising interest rates can reduce the market value of existing bonds, while deposit outflows may force banks to seek additional funding.
The Federal Reserve can provide liquidity through its lending facilities. Changes in these operations may affect the Federal Reserve balance sheet, although increased central-bank lending alone does not prove that a systemic crisis is developing.
Broader economic conditions also matter. Weakening employment, tighter credit and deteriorating financial confidence can accompany rising U.S. recession risks.
No single indicator provides a complete assessment of banking stability. Trends across multiple datasets are generally more informative than one isolated reading.
Why Does Banking Stress Matter for Gold?
Banking instability can increase interest in assets held outside conventional financial institutions. This is one reason physical gold is considered a safe-haven asset during periods of financial uncertainty.
Gold does not depend on a bank’s ability to repay a deposit when investors hold the physical metal directly. However, its price can still decline during liquidity crises as investors sell assets to raise cash.
Federal Reserve policy adds another important dimension. Changes in liquidity conditions and U.S. real yields can influence gold prices alongside the strength of the dollar and investment demand.
Banking stress does not guarantee rising gold prices. Monitoring official financial data helps investors understand the broader environment without relying on crisis predictions or short-term speculation.
Frequently Asked Questions
What is the U.S. Banking Stress Tracker?
The U.S. Banking Stress Tracker monitors financial stability using official Federal Reserve and FDIC data. It tracks bank deposits, Fed lending, unrealized losses, problem banks and bank failures to identify potential signs of financial stress.
What are the main indicators of U.S. banking stress?
Important indicators include declining bank deposits, increased borrowing from the Federal Reserve, unrealized securities losses, the number of problem banks and bank failures. No single indicator can reliably predict a banking crisis.
Does a decline in bank deposits signal a banking crisis?
Not necessarily. Deposits can decline when customers move money into higher-yielding investments or other banks. Persistent outflows combined with funding pressures and asset losses may indicate greater stress within the banking system.
What does Federal Reserve bank lending indicate?
Federal Reserve primary credit provides short-term liquidity to eligible banks. Increased borrowing may reflect greater funding needs, but it does not automatically indicate bank insolvency or an approaching financial crisis.
Why are unrealized losses important for U.S. banks?
Unrealized losses occur when the market value of securities falls below their recorded cost or carrying value. These losses can create financial pressure if banks must sell assets to meet withdrawals or other funding needs.
What are FDIC problem banks and bank failures?
FDIC problem banks are institutions identified through supervisory assessments as having significant weaknesses. Their identities are generally confidential, but aggregate figures are published. Bank failures occur when regulators close institutions that can no longer operate safely.
How does U.S. banking stress affect gold prices?
Banking instability can increase demand for physical gold as investors seek assets outside the banking system. However, gold prices also respond to real interest rates, the U.S. dollar and market liquidity. Banking stress does not guarantee that gold prices will rise.