The insured-institution register
The FDIC's BankFind institution data, refreshed on 23 October 2026 with 30 June 2026 financials, lists 4,217 active FDIC-insured institutions. Together they report about $26.5 trillion in total assets, but the distribution is extremely skewed: the median institution holds about $387 million, 1,044 hold $1 billion or more, 160 hold $10 billion or more and only 32 exceed $100 billion.
Charters and regulators
Most insured institutions are state-chartered banks that are not members of the Federal Reserve (2,377, class NM). There are 698 state member banks (SM) and 660 national banks (N), plus savings institutions under state (SB 199, SI 227) and federal (SL 43) charters. The primary federal regulator follows the charter: the FDIC supervises 2,640 institutions, the OCC 876 and the Federal Reserve 699. For a vendor, the regulator matters because exam priorities and guidance differ.
Specialization
The FDIC assigns each institution an asset-concentration group. 2,378 are commercial lending specialists and 912 agricultural specialists, the latter concentrated in the Plains and Midwest. 308 specialise in mortgage lending, 31 in consumer lending, 9 in credit cards and 4 in international banking.
| State | Institutions |
|---|---|
| Texas | 346 |
| Illinois | 322 |
| Iowa | 225 |
| Minnesota | 221 |
| Missouri | 190 |
| Kansas | 183 |
Community banks and holding companies
The FDIC flags 3,787 institutions as community banks. 3,536 records name a regulatory high holding company, which is often the right contracting entity for multi-bank groups. 855 institutions were established before 1900, and only 56 since 2020, so de novo banks are rare.