The interest expense of FDIC-insured commercial banks in the United States increased overall between 2000 and 2024, despite significant fluctuations. In 2023, the interest expense of FDIC-insured commercial banks in the United States witnessed an exceptionally sharp increase, amounting to over 431 billion U.S. dollars, which was more than three times higher than in 2022. Interest expense increased further in 2024, exceeding 543 billion U.S. dollars.
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Interest expense of FDIC-insured commercial banks in the United States from 2000 to 2024
(in billion U.S. dollars)
FDIC stands for Federal Deposit Insurance Corporation.
FDIC-insured commercial banks include the following categories of depository institutions insured by the FDIC: national banks, state chartered banks and trust companies (except savings banks), commercial banks, either national or state chartered, insured by the FDIC, other financial institutions which operate under general banking codes, or are specifically authorized by law to accept deposits and in practice do so or the obligations of which are regarded as deposits for deposit insurance.
The statistic does not include figures for Guam, Puerto Rico, Virgin Islands, and all other United States territories and possessions.
Interest expenses include interests on deposits, federal funds purchased and securities sold, borrowed money, subordinated notes and debentures (see the source).
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FDIC. (April 2, 2025). Interest expense of FDIC-insured commercial banks in the United States from 2000 to 2024 (in billion U.S. dollars) [Graph]. In Statista. Retrieved July 24, 2025, from https://www.statista.com/statistics/193071/total-interest-expense-of-fdic-insured-us-commercial-banks/
FDIC. "Interest expense of FDIC-insured commercial banks in the United States from 2000 to 2024 (in billion U.S. dollars)." Chart. April 2, 2025. Statista. Accessed July 24, 2025. https://www.statista.com/statistics/193071/total-interest-expense-of-fdic-insured-us-commercial-banks/
FDIC. (2025). Interest expense of FDIC-insured commercial banks in the United States from 2000 to 2024 (in billion U.S. dollars). Statista. Statista Inc.. Accessed: July 24, 2025. https://www.statista.com/statistics/193071/total-interest-expense-of-fdic-insured-us-commercial-banks/
FDIC. "Interest Expense of Fdic-insured Commercial Banks in The United States from 2000 to 2024 (in Billion U.S. Dollars)." Statista, Statista Inc., 2 Apr 2025, https://www.statista.com/statistics/193071/total-interest-expense-of-fdic-insured-us-commercial-banks/
FDIC, Interest expense of FDIC-insured commercial banks in the United States from 2000 to 2024 (in billion U.S. dollars) Statista, https://www.statista.com/statistics/193071/total-interest-expense-of-fdic-insured-us-commercial-banks/ (last visited July 24, 2025)
Interest expense of FDIC-insured commercial banks in the United States from 2000 to 2024 (in billion U.S. dollars) [Graph], FDIC, April 2, 2025. [Online]. Available: https://www.statista.com/statistics/193071/total-interest-expense-of-fdic-insured-us-commercial-banks/
