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• The Federal Reserve’s annual stress test found all 32 large U.S. banks remained above minimum capital requirements under a severe recession scenario.
• Banks were projected to absorb more than $708 billion in loan losses while continuing to lend to households and businesses.
• The hypothetical scenario included a 39% decline in commercial real estate prices, a 30% drop in home prices and unemployment rising to 10%.

June 26, 2026 – via  CurrencyNewsWire — According to the Federal Reserve’s annual bank stress test, the nation’s largest banks remain well capitalized and capable of continuing to support the economy during a severe downturn. Despite projected loan losses exceeding $708 billion under the Fed’s hypothetical recession scenario, all 32 banks tested maintained capital levels above their minimum regulatory requirements.

The Federal Reserve said projected losses included approximately $200 billion in credit card loans, $160 billion in commercial and industrial loans, and $75 billion in commercial real estate. While aggregate capital declined by 1.6 percentage points during the scenario, higher projected interest income helped offset the impact of increased loan losses and smaller unrealized gains on bank securities.

The Fed emphasized that this year’s stress test results will not affect large bank capital requirements, which will remain unchanged until 2027 as the central bank incorporates public feedback into its updated stress-testing models. Vice Chair for Supervision Michelle W. Bowman said the results “underscore the strength of the banking system” while reaffirming the Fed’s commitment to improving the transparency and accountability of the annual exercise.

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