Episode
Review of OCC Semiannual Risk Perspective report for Spring 2026
- Podcast
- The Banker Next Door
- Published
- May 15, 2026
- Duration seconds
- 937
- Processing state
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Summary
The semiannual OCC report on risks to the U.S. banking system found that bank financials remain sound but risks around cyber threats and fraud continue to be a concern. Bank earnings, balance sheets, liquidity, and capital levels remain strong by historical standards. Credit risk is manageable but there are concerns such as the maturity wall and private credit. Past-due, nonaccrual, and charge-offs remain below long-term averages. Cyber and various types of fraud threats remain a concern. Recent developments in AI present opportunities and challenges. This episode reviewed the OCC Semiannual Risk Perspective report for Spring 2026. A link to the report is included below. Link: OCC’s Semiannual Risk Perspective Highlights Key Risks in Federal Banking System | OCC