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Business Strategy: 2014 U.S. Banking Industry Update - Bank Failures and Impact on FDIC

This IDC Financial Insights report provides an overview of what has happened in the U.S. bank and credit union industries in 2013, now five years removed from the financial crisis. The public has continued to heal their anger toward the financial services industry, and for the sake of positive thinking, we can now officially call off the end of the financial crisis. Yet there are still significant challenges being faced by the financial services industry in the United States and around the world. Interest rates continue to hover at historically low levels, competition continues from both traditional and non-traditional financial service firms, and mobility and digital channels provide a huge opportunity and risk in reaching more customers, particularly the unbanked and underbanked.

"Clearly our industry continues to consolidate, particularly among the smallest size institutions," says Marc DeCastro, research director at IDC Financial Insights. "The challenge today is to drive value out of the investments made over the past few years in technology. Unfortunately, many institutions simply do not have the resources - budget and personnel - to fully embark on the next level that will lead to more consolidation."

Table of Contents

IDC Financial Insights Opinion

In This Study

Situation Overview

The Approach

Future Outlook

Essential Guidance

  • Actions to Consider

Learn More

  • Related Research
  • Synopsis

List of Figures

  • Figure: U.S. Bank Institutions by Asset Size, 2000 and 2009-2013
  • Figure: U.S. Credit Union Institutions, 2000 and 2009-2013
  • Figure: U.S. Credit Union Asset Breakdown, 2013
  • Figure: U.S. Bank and Credit Union Comparison
  • Figure: U.S. Bank Failures' Worst 10 Years
  • Figure: Total U.S. Bank Failures, 2001-2013
  • Figure: Total U.S. Credit Union Failures, 2007-2013
  • Figure: U.S. Bank Failures by State, 2013
  • Figure: Total U.S. Bank Failures by Asset Size, 2009-2013
  • Figure: U.S. Bank Failures, 2013: Assets by State
  • Figure: U.S. Bank Mergers and Acquisitions, Charters, and Failures, 2000, 2005, 2007, and 2009-2013
  • Figure: FDIC Insurance Fund Cost Quarterly Breakdown, 2009-2013
  • Figure: U.S. Bank Failures, 2013: Cost to FDIC by State
  • Figure: Reported FDIC Insurance Fund Balance, 2005-2013
  • Figure: FDIC-Insured Problematic U.S. Institutions, 2005-2013
  • Figure: FDIC-Insured Unprofitable U.S. Institutions, 2006-2013
  • Figure: FDIC-Insured U.S. Institutions with Improved Earnings, 2006-2013
  • Figure: Cost Ratio Median by Asset Size, 2009-2013
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