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Banks and credit unions in the United States

The FDIC insured 4,230 banks and savings institutions at June 30, 2026, with 73,678 full-service offices and $26.5 trillion in assets. The NCUA’s Call Report counted 4,299 credit unions, with 147.4 million members and 22,787 sites.

Banks and credit unions, June 30, 2026

4,230
FDIC-insured banks
Active charters in the FDIC's file, 3,799 of them community banks by its definition.
$26.5 trillion
Bank assets
$26,462,472,158,000
The Call Report totals of the 4,218 banks that reported for the quarter.
4,299
Credit unions
Call Report filers, 4,214 of them insured by the NCUA's fund.
$2.5 trillion
Credit-union assets
$2,522,701,113,202
Held for 147.4 million members by the Call Report's count.

What stands out

Six findings. From the FDIC's BankFind files and the NCUA's Call Report for the quarter ending June 30, 2026, each one a row from a query.

  • 3,799 of the 4,230 banks the FDIC insures are community banks by its definition, 89.8%. Together the 4,218 that reported for the quarter ending June 30, 2026 held $26.5 trillion in assets. Community banks →

  • Credit unions fell from 12,363 in June 1994 to 4,299 in June 2026, while their members rose from 65.1 million to 147.4 million. Credit unions →

    Members are the Call Report’s count, so a person who belongs to two credit unions is counted twice.

  • Credit unions held $2.5 trillion in assets at June 30, 2026, 9.5% of the $26.5 trillion held by FDIC-insured banks at the same date. Credit unions and banks →

    Each agency’s own Call Report figures, compared and never added: a credit union is insured by the NCUA, not the FDIC.

  • North Dakota has 48.8 full-service bank offices per 100,000 residents and Nevada 11.8; across the fifty states and DC it is 21.5. North Dakota →

  • In 30 of the 50 states and the District of Columbia, more credit unions than banks are based there. The states →

    A bank is counted where it is headquartered and a credit union where its Call Report is mailed.

  • Texas is home to more banks than any other state, 347, ahead of Illinois with 325. Texas →

Banks since 1934, credit unions since 1994

Commercial banks peaked at 14,496 in 1984 and numbered 3,806 at the end of 2025

FDIC-insured commercial banks at the end of each year since 1934, and savings institutions since 1984, as the FDIC's historical statistics count them. Two series, never added together.

Savings institutions are counted from 1984; before it the FDIC's historical statistics count commercial banks only, so the two lines are never added into one.

These are the FDIC’s historical statistics, which differ from its Quarterly Banking Profile by under 0.4% in the recent years compared: its savings-institution count is the same, and its commercial-bank count a few banks apart.

A bank that merges into another leaves the count; the counts say how many there were at each year’s end, not why the number changed.

Federal Deposit Insurance Corporation — FDIC summary — insured institutions, offices, assets and deposits by state and year since 1934

About this chart

The figures

Commercial banks peaked at 14,496 in 1984 and numbered 3,806 at the end of 2025. FDIC-insured commercial banks at the end of each year since 1934, and savings institutions since 1984, as the FDIC's historical statistics count them. Two series, never added together.
YearCommercial banksSavings institutions
20253,806521
20243,928545
20234,036559
20224,136579
20214,238607
20204,379627
20194,526659
20184,717691
20174,918752
20165,112801
20155,340844
20145,607902
20135,847965
20126,0721,011
20116,2751,082
20106,5191,139
20096,8291,183
20087,0771,228
20077,2791,255
20067,3971,283
20057,5231,310
20047,6281,348
20037,7671,414
20027,8871,467
20018,0821,533
20008,3151,589
19998,5821,642
19988,7751,690
19979,1441,780
19969,5301,926
19959,9432,031
199410,4532,153
199310,9612,263
199211,4672,391
199111,9272,562
199012,3472,816
198912,7153,088
198813,1373,438
198713,7233,622
198614,2103,677
198514,4173,626
198414,4963,418
198314,469not reported
198214,451not reported
198114,414not reported
198014,434not reported
197914,364not reported
197814,391not reported
197714,411not reported
197614,410not reported
197514,384not reported
197414,230not reported
197313,976not reported
197213,733not reported
197113,612not reported
197013,511not reported
196913,473not reported
196813,487not reported
196713,514not reported
196613,538not reported
196513,544not reported
196413,493not reported
196313,291not reported
196213,124not reported
196113,115not reported
196013,126not reported
195913,114not reported
195813,124not reported
195713,165not reported
195613,218not reported
195513,237not reported
195413,323not reported
195313,432not reported
195213,439not reported
195113,455not reported
195013,446not reported
194913,436not reported
194813,419not reported
194713,403not reported
194613,359not reported
194513,302not reported
194413,268not reported
194313,274not reported
194213,347not reported
194113,430not reported
194013,442not reported
193913,538not reported
193813,661not reported
193713,797not reported
193613,973not reported
193514,125not reported
193414,146not reported

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Credit unions fell from 12,363 in June 1994 to 4,299 in June 2026, while their members rose from 65.1 million to 147.4 million

Credit unions filing the NCUA’s Call Report, and their members, at June 30 each year: every credit union that filed, federally insured or not.

Members are the Call Report’s count of members, so a person who belongs to two credit unions is counted twice.

A credit union that merges into another leaves the count, and its members join the other’s; the files say how many there were at each date, not why the number changed.

National Credit Union Administration — NCUA 5300 Call Report — quarterly data (every credit union, every quarter from March 1994)

About this chart

The figures

Credit unions fell from 12,363 in June 1994 to 4,299 in June 2026, while their members rose from 65.1 million to 147.4 million. Credit unions filing the NCUA’s Call Report, and their members, at June 30 each year: every credit union that filed, federally insured or not.
June 30Credit unionsFederally insuredMembers
199412,36312,13865,146,680
199512,04011,83767,375,843
199611,71411,51869,247,706
199711,51711,36371,315,340
199811,24911,12573,362,416
199910,96410,84175,476,349
200010,60610,47977,616,191
200110,26910,14579,662,150
20029,9349,81481,233,674
20039,6469,52982,949,182
20049,3249,21084,526,289
20058,9838,87185,750,247
20068,7208,54087,079,404
20078,4108,23888,248,030
20088,1357,97289,356,641
20097,8477,69191,014,258
20107,6007,44591,747,680
20117,3867,23992,253,751
20127,1056,96194,375,824
20136,8186,68196,416,389
20146,5606,42999,240,508
20156,2846,159102,326,019
20166,0115,887106,151,856
20175,8155,696110,636,772
20185,5965,480115,377,804
20195,4255,308119,700,948
20205,2755,164123,695,931
20215,1365,029128,584,248
20224,9574,853133,919,345
20234,7874,686139,080,246
20244,6314,533142,376,062
20254,4604,370145,044,214
20264,2994,214147,390,364

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Every state: banks, credit unions and their offices

Most banks headquartered first. A bank is counted where it is headquartered and its offices where they are; a credit union where its Call Report is mailed and its sites where they are. Per-resident figures are over the Census Bureau’s estimate for July 1, 2025.

North Dakota has 48.8 bank offices per 100,000 residents, 4.1 times Nevada's 11.8

Full-service offices of FDIC-insured banks in each state, per 100,000 residents, counted where each office is. Hatching marks a state whose credit unions have more sites per resident than the nation’s.

Key: 5 shades, lightest to darkest: under 18.0; 18.0 to 21.0; 21.0 to 26.0; 26.0 to 31.0; 31.0 and over. crosshatched: not reported. hatched: credit-union sites above the national 6.7 per 100,000.

Too small to see on the map:District of Columbia24.7

Across the fifty states and DC, 21.5 full-service bank offices and 6.7 credit-union sites per 100,000 residents, over the Census Bureau's estimate for July 1, 2025.

In 32 of the 50 states and the District of Columbia, credit unions have more sites per resident than the national rate.

An office is counted where it is, so a state counts the offices of banks headquartered elsewhere. Drive-throughs, loan production offices and other limited-service sites are not counted as offices here.

Federal Deposit Insurance Corporation — FDIC BankFind — locations (every current office of an FDIC-insured institution); National Credit Union Administration; Census Bureau

About this chart

The figures

North Dakota has 48.8 bank offices per 100,000 residents, 4.1 times Nevada's 11.8. Full-service offices of FDIC-insured banks in each state, per 100,000 residents, counted where each office is. Hatching marks a state whose credit unions have more sites per resident than the nation’s.
StateBank offices per 100,000Bank officesCredit-union sites per 100,000Residents
North Dakota48.839015.8799,358
Nebraska47.59597.52,018,006
South Dakota45.642611.9935,094
Kansas42.51,2648.42,977,220
Iowa41.71,3509.93,238,387
Arkansas39.51,2304.93,114,791
Wyoming34.520311.2588,753
Mississippi33.69946.92,954,160
Missouri32.12,0155.76,270,541
Vermont32.120712.7644,663
Montana30.935413.21,144,694
Kentucky30.51,4055.34,606,864
West Virginia30.25339.81,766,147
Maine29.742016.01,414,874
Oklahoma29.21,2036.64,123,288
Louisiana27.61,2739.84,618,189
Illinois26.93,4255.112,719,141
Wisconsin26.41,57512.35,972,787
Minnesota26.01,5177.55,830,405
New Hampshire25.93678.51,415,342
Alabama25.71,33411.25,193,088
Massachusetts25.71,8376.77,154,084
Tennessee25.51,8697.67,315,076
District of Columbia24.717112.7693,645
Ohio24.62,9306.411,900,510
Indiana24.51,7119.36,973,333
Pennsylvania24.33,1727.613,059,432
Connecticut24.18896.73,688,496
New Jersey23.12,2093.39,548,215
Colorado22.21,3356.56,012,561
Rhode Island21.32377.91,114,521
Delaware20.62185.91,059,952
South Carolina20.41,1376.65,570,274
Virginia20.21,7916.88,880,107
New York19.53,8935.520,002,427
Idaho19.238912.92,029,733
Texas19.16,0695.731,709,821
Michigan18.01,82812.310,127,884
Florida18.04,2255.023,462,518
New Mexico18.03829.02,125,498
Georgia17.72,0024.511,302,748
North Carolina17.71,9796.311,197,968
Maryland17.61,1035.16,265,347
Oregon16.47039.04,273,586
Washington16.31,3038.38,001,020
Alaska15.211213.2737,270
Hawaii14.721112.31,432,820
Utah14.451015.43,538,904
California13.75,3794.139,355,309
Arizona12.49454.57,623,818
Nevada11.83864.03,282,188

The fifty states and the District of Columbia

2 more columns on a wider screen

Banks and credit unions by state, June 30, 2026
StateBanksBank offices per 100,000
Texas34719.1
Illinois32526.9
Iowa22541.7
Minnesota22126.0
Missouri19232.1
Kansas18342.5
Oklahoma16929.2
Ohio15624.6
Wisconsin15326.4
Nebraska13847.5
Georgia12317.7
Kentucky12030.5
California11513.7
New York11519.5
Pennsylvania10924.3
Tennessee10925.5
Louisiana10527.6
Alabama9325.7
Massachusetts8925.7
Indiana8724.5
Florida8318.0
Arkansas7839.5
Michigan7218.0
Colorado6322.2
North Dakota6048.8
Mississippi5733.6
South Dakota5645.6
Virginia5620.2
New Jersey4923.1
South Carolina4420.4
Utah4414.4
West Virginia4130.2
North Carolina3817.7
Montana3530.9
New Mexico2918.0
Washington2916.3
Maryland2717.6
Connecticut2624.1
Wyoming2434.5
Maine2229.7
New Hampshire1725.9
Delaware1620.6
Nevada1511.8
Arizona1212.4
Oregon1216.4
Vermont1232.1
Idaho1019.2
Hawaii614.7
Alaska515.2
Rhode Island521.3
District of Columbia424.7

Outside the fifty states and DC

The FDIC’s files also list 316 offices in the territories and 802 abroad, and the NCUA’s 54 credit-union sites outside the states. They are in the national counts and have no state page.

Rankings

Analysis

Each brief is prose written around values a query returned. Every figure in one is re-checked against its query before it can merge, so a number in the text cannot drift from the data behind it.

  • Bank offices fell 23.6% from their 2009 peak

    FDIC-insured banks and savings institutions had 75,545 offices in the fifty states and the District of Columbia at 30 June 2026, by the FDIC's Summary of Deposits. That is 23,398 fewer than the 98,943 of 2009, the most in any year the survey covers: a fall of 23.6%.

    American Factbook Research · September 27, 2026

Everything in this hub

Every page in this topic, by kind.

Bank failures

1

Every FDIC-insured bank that failed in the newest year, by name, and the count in every year the FDIC records.

Counties

51

Each county with offices of two or more FDIC-insured institutions: every institution there, its deposits and its share of the county, from the Summary of Deposits. Listed by state.

Failures, year by year

88

Every failure and assistance transaction of a year, each linked to the failed bank’s record: the date, its assets, the estimated cost and its acquirer.

Banks

4,221

Each FDIC-insured bank that reported for the newest quarter: its size every quarter, its rank and its offices. Listed by state, largest first.

Credit unions

4,288

Each credit union that filed for the newest quarter: its members and assets every quarter, its rank and every site. Listed by state, largest first.

Sources

Compiled automatically from NCUA 5300 Call Report — quarterly data (every credit union, every quarter from March 1994), FDIC failures — every bank failure and assistance transaction since 1934, FDIC summary — insured institutions, offices, assets and deposits by state and year since 1934, FDIC BankFind — institutions (every charter the FDIC has insured, active and inactive), NCUA credit-union sites — Credit Union Branch Information (the newest quarter), FDIC BankFind — locations (every current office of an FDIC-insured institution), FDIC Summary of Deposits — every office's deposits at June 30, 1994 to the newest survey and Census Bureau population estimates — nation and states, with components of change by a checked SQL query · Editor: Kian O'Connor · How this site is built

Data retrieved