Survey Data Hub – US Bank Outlook Survey, Q4 2025
This survey tracks the state of US banks, lending, credit quality, deposits and the overall economy. Data points from the S&P Global Market Intelligence US Bank Outlook Survey include average deposit rates for a variety of financial products, credit quality and the overall economy.
The online survey of 99 US commercial banks and thrifts was conducted Nov. 24–Dec. 30, 2025. The margin of error for top-line statistics is +/- 9 points at the 95% confidence level.
Reports
Bankers anticipate rising deposit balances in the year ahead (Spotlight)
The majority of US bankers predict improving expectations for deposit growth over the next 12 months. The shift comes as the Federal Reserve lowered interest rates for a third time on Dec. 10, and with the possibility of another cut in 2026, which influenced funding costs and contributed to adjustments in banks' outlooks.
Bankers expect solid loan growth as economic outlook improves (Spotlight)
US bankers expect substantial loan momentum over the next year as a result of improved economic stability and a steeper yield curve with lower short-end rates boosting bank profitability and creating tailwinds for growth, according to S&P Global Market Intelligence's fourth-quarter 2025 US Bank Outlook Survey.
Data files
Crosstabs (Excel tables | Download link in sidebar to the right) – Crosstabs of complete worldwide and regional survey results datasets, including key metrics and segmentation.
Charts and Figures (PowerPoint charts | Navigate charts in sidebar to the left | Download link in sidebar to the right) – PowerPoint slide deck of complete top-line survey results in charts and figures.
Data Insights Deck (PowerPoint charts | Coming soon) – PowerPoint slide deck of advanced charts supporting deeper analysis and insight.
