2019 Risk Review

The FDIC is pleased to share with you the 2019 Risk Review. The annual Risk Review provides a summary of key risks that ultimately may affect FDIC-insured institutions and the FDIC’s Deposit Insurance Fund. Much of the discussion focuses on risks that may affect community banks. As the primary federal regulator for the majority of community banks in the United States, the FDIC is well-positioned to discuss risks that may affect the U.S. banking system, and community banks in particular, and to benefit from this public discussion.

The 2019 report summarizes conditions in the U.S. economy, financial markets, and banking industry, and presents key risks to banks in two broad categories: credit risk and market risk. Among the credit risk areas discussed are agriculture, commercial real estate, energy, housing, leveraged lending and corporate debt, and nonbank lending. Market risks discussed in the report include interest rate risk and deposit competition, and liquidity.

The FDIC has a long tradition of identifying, analyzing, and addressing key risks in the economy, financial markets, and the banking industry. With the publication of the annual Risk Review, the FDIC is expanding its coverage of risks that have the potential to affect stability and public confidence in the U.S. financial system. This publication serves the FDIC’s mission by focusing on risks at a stage when policymakers, bankers, and the general public can act to mitigate their scope and impact. It also contributes to efforts to build trust and confidence through openness and accountability as part of the FDIC’s Trust through Transparency initiative.

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