WASHINGTON – The Federal Deposit Insurance Corporation (FDIC) and its regulatory counterparts have released the 2025 Shared National Credit (SNC) report, indicating that credit risk associated with large bank loans remains moderate. The report reflects the examination of SNC loans originated on or before June 30, 2025, and finds that borrowers are managing higher interest expenses and other macroeconomic factors well.
The 2025 SNC portfolio includes 6,857 borrowers, totaling $6.9 trillion in commitments, a 6% increase from the previous year. The percentage of loans requiring close management attention has decreased to 8.6% from 9.1% in 2024. This decline is primarily due to growth in new commitments rather than an improvement in credit quality.
U.S. banks hold 45% of all SNC commitments but only 22% of non-pass loans. Leveraged loans, accounting for nearly half of total commitments, dominate the list of troubled loans, comprising 81% of non-pass loans.
The report also highlights the distribution of non-pass loans among regulated financial institutions and their risk profiles across various industry sectors.
For more detailed information, visit the FDIC website or contact the following agencies:
- FDIC: Julianne Fisher Breitbeil, (202) 898-6895
- Federal Reserve Board: Karolina Kalset, (202) 452-2955
- Office of the Comptroller of the Currency: Monica McCoy, (202) 649-6870
RELATED: FDIC: Credit Risk Stable in 2025 Shared National Credit Program
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