{"id":132314,"date":"2024-06-03T09:30:26","date_gmt":"2024-06-03T06:30:26","guid":{"rendered":"https:\/\/cryptodnes.bg\/eng\/?p=132314"},"modified":"2024-07-16T14:06:56","modified_gmt":"2024-07-16T11:06:56","slug":"serious-problems-for-the-us-banking-system-what-we-need-to-know","status":"publish","type":"post","link":"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/","title":{"rendered":"Serious Problems for the US Banking System – What We Need to Know"},"content":{"rendered":"

These losses were mainly due to the banks\u2019 exposure to the residential real estate market, where fluctuations in mortgage interest rates affected the value of mortgage-backed securities.<\/p>\n

The concept of\u00a0unrealized losses<\/a><\/strong> reflects the discrepancy between the price paid by banks for securities and their current market value. Although banks are not required to immediately correct these losses on their balance sheets, they can present a significant challenge when financial institutions need liquidity.<\/p>\n

In the first quarter of this year, unrealized losses on various types of securities, including those designated as available-for-sale and held-to-maturity, increased by $39 billion. This spike was driven in particular by losses on residential mortgage-backed securities, which were impacted by rising mortgage rates during the period.<\/p>\n

This marks the ninth straight quarter of increased unrealized losses, a trend that has continued since the Federal Reserve began raising interest rates in 2022.<\/p>\n

In addition to unrealized losses, the FDIC has also seen an increase in the number of financial institutions listed as troubled banks. This list includes banks exhibiting financial weakness, operational problems or management challenges, with total assets held by them reaching $82.1 billion.<\/p>\n

While the FDIC assures that the US banking system remains stable for now, it warns of potential risks posed by continued inflation, fluctuating market interest rates and geopolitical uncertainty. These factors can lead to credit quality, revenue stability and liquidity management challenges for banks. Therefore, the FDIC emphasizes the importance of continuous monitoring and supervision to effectively address these issues.<\/p>\n","protected":false},"excerpt":{"rendered":"

The latest data from the Federal Deposit Insurance Corporation (FDIC) shows a worrying trend in the US banking sector, as unrealized losses continue to rise, reaching over $500 billion.<\/p>\n","protected":false},"author":3,"featured_media":75706,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[60],"tags":[],"class_list":["post-132314","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economy"],"acf":[],"yoast_head":"\nSerious Problems for the US Banking System - What We Need to Know<\/title>\n<meta name=\"description\" content=\"The latest data from the Federal Deposit Insurance Corporation (FDIC) shows a worrying trend in the US banking sector, as unrealized ...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Serious Problems for the US Banking System - What We Need to Know\" \/>\n<meta property=\"og:description\" content=\"The latest data from the Federal Deposit Insurance Corporation (FDIC) shows a worrying trend in the US banking sector, as unrealized ...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/\" \/>\n<meta property=\"og:site_name\" content=\"CryptoDnes EN\" \/>\n<meta property=\"article:published_time\" content=\"2024-06-03T06:30:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-07-16T11:06:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cryptodnes.bg\/en\/wp-content\/uploads\/sites\/2\/2023\/03\/bank-1-915x600-2.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"915\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Alexander Stefanov\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Alexander Stefanov\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/\"},\"author\":{\"name\":\"Alexander Stefanov\",\"@id\":\"https:\/\/cryptodnes.bg\/en\/#\/schema\/person\/121029bf2ce7d5bbdab7f447d5aeebb5\"},\"headline\":\"Serious Problems for the US Banking System – What We Need to Know\",\"datePublished\":\"2024-06-03T06:30:26+00:00\",\"dateModified\":\"2024-07-16T11:06:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/\"},\"wordCount\":258,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/cryptodnes.bg\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cryptodnes.bg\/en\/wp-content\/uploads\/sites\/2\/2023\/03\/bank-1-915x600-2.webp\",\"articleSection\":[\"Economy\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/#respond\"]}],\"copyrightYear\":\"2024\",\"copyrightHolder\":{\"@id\":\"https:\/\/cryptodnes.bg\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/\",\"url\":\"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/\",\"name\":\"Serious Problems for the US Banking System - What We Need to Know\",\"isPartOf\":{\"@id\":\"https:\/\/cryptodnes.bg\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cryptodnes.bg\/en\/wp-content\/uploads\/sites\/2\/2023\/03\/bank-1-915x600-2.webp\",\"datePublished\":\"2024-06-03T06:30:26+00:00\",\"dateModified\":\"2024-07-16T11:06:56+00:00\",\"description\":\"The latest data from the Federal Deposit Insurance Corporation (FDIC) shows a worrying trend in the US banking sector, as unrealized ...\",\"breadcrumb\":{\"@id\":\"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/#primaryimage\",\"url\":\"https:\/\/cryptodnes.bg\/en\/wp-content\/uploads\/sites\/2\/2023\/03\/bank-1-915x600-2.webp\",\"contentUrl\":\"https:\/\/cryptodnes.bg\/en\/wp-content\/uploads\/sites\/2\/2023\/03\/bank-1-915x600-2.webp\",\"width\":915,\"height\":600},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/cryptodnes.bg\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Serious Problems for the US Banking System – What We Need to Know\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/cryptodnes.bg\/en\/#website\",\"url\":\"https:\/\/cryptodnes.bg\/en\/\",\"name\":\"CryptoDnes EN\",\"description\":\"Crypto News, Bitcoin Analysis and More\",\"publisher\":{\"@id\":\"https:\/\/cryptodnes.bg\/en\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/cryptodnes.bg\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/cryptodnes.bg\/en\/#organization\",\"name\":\"CryptoDnes EN\",\"url\":\"https:\/\/cryptodnes.bg\/en\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/cryptodnes.bg\/en\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/cryptodnes.bg\/en\/wp-content\/uploads\/sites\/2\/2025\/04\/logo.svg\",\"contentUrl\":\"https:\/\/cryptodnes.bg\/en\/wp-content\/uploads\/sites\/2\/2025\/04\/logo.svg\",\"caption\":\"CryptoDnes EN\"},\"image\":{\"@id\":\"https:\/\/cryptodnes.bg\/en\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/cryptodnes.bg\/en\/#\/schema\/person\/121029bf2ce7d5bbdab7f447d5aeebb5\",\"name\":\"Alexander Stefanov\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/cryptodnes.bg\/en\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/6dd8585c9881c74e639b0a3d0a889929?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/6dd8585c9881c74e639b0a3d0a889929?s=96&d=mm&r=g\",\"caption\":\"Alexander Stefanov\"},\"url\":\"https:\/\/cryptodnes.bg\/en\/author\/alex100oo\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Serious Problems for the US Banking System - What We Need to Know","description":"The latest data from the Federal Deposit Insurance Corporation (FDIC) shows a worrying trend in the US banking sector, as unrealized ...","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/","og_locale":"en_US","og_type":"article","og_title":"Serious Problems for the US Banking System - What We Need to Know","og_description":"The latest data from the Federal Deposit Insurance Corporation (FDIC) shows a worrying trend in the US banking sector, as unrealized ...","og_url":"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/","og_site_name":"CryptoDnes EN","article_published_time":"2024-06-03T06:30:26+00:00","article_modified_time":"2024-07-16T11:06:56+00:00","og_image":[{"width":915,"height":600,"url":"https:\/\/cryptodnes.bg\/en\/wp-content\/uploads\/sites\/2\/2023\/03\/bank-1-915x600-2.webp","type":"image\/webp"}],"author":"Alexander Stefanov","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Alexander Stefanov","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/#article","isPartOf":{"@id":"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/"},"author":{"name":"Alexander Stefanov","@id":"https:\/\/cryptodnes.bg\/en\/#\/schema\/person\/121029bf2ce7d5bbdab7f447d5aeebb5"},"headline":"Serious Problems for the US Banking System – What We Need to Know","datePublished":"2024-06-03T06:30:26+00:00","dateModified":"2024-07-16T11:06:56+00:00","mainEntityOfPage":{"@id":"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/"},"wordCount":258,"commentCount":0,"publisher":{"@id":"https:\/\/cryptodnes.bg\/en\/#organization"},"image":{"@id":"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/#primaryimage"},"thumbnailUrl":"https:\/\/cryptodnes.bg\/en\/wp-content\/uploads\/sites\/2\/2023\/03\/bank-1-915x600-2.webp","articleSection":["Economy"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/#respond"]}],"copyrightYear":"2024","copyrightHolder":{"@id":"https:\/\/cryptodnes.bg\/#organization"}},{"@type":"WebPage","@id":"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/","url":"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/","name":"Serious Problems for the US Banking System - What We Need to Know","isPartOf":{"@id":"https:\/\/cryptodnes.bg\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/#primaryimage"},"image":{"@id":"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/#primaryimage"},"thumbnailUrl":"https:\/\/cryptodnes.bg\/en\/wp-content\/uploads\/sites\/2\/2023\/03\/bank-1-915x600-2.webp","datePublished":"2024-06-03T06:30:26+00:00","dateModified":"2024-07-16T11:06:56+00:00","description":"The latest data from the Federal Deposit Insurance Corporation (FDIC) shows a worrying trend in the US banking sector, as unrealized ...","breadcrumb":{"@id":"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/#primaryimage","url":"https:\/\/cryptodnes.bg\/en\/wp-content\/uploads\/sites\/2\/2023\/03\/bank-1-915x600-2.webp","contentUrl":"https:\/\/cryptodnes.bg\/en\/wp-content\/uploads\/sites\/2\/2023\/03\/bank-1-915x600-2.webp","width":915,"height":600},{"@type":"BreadcrumbList","@id":"https:\/\/cryptodnes.bg\/en\/serious-problems-for-the-us-banking-system-what-we-need-to-know\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/cryptodnes.bg\/en\/"},{"@type":"ListItem","position":2,"name":"Serious Problems for the US Banking System – What We Need to Know"}]},{"@type":"WebSite","@id":"https:\/\/cryptodnes.bg\/en\/#website","url":"https:\/\/cryptodnes.bg\/en\/","name":"CryptoDnes EN","description":"Crypto News, Bitcoin Analysis and More","publisher":{"@id":"https:\/\/cryptodnes.bg\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/cryptodnes.bg\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/cryptodnes.bg\/en\/#organization","name":"CryptoDnes EN","url":"https:\/\/cryptodnes.bg\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/cryptodnes.bg\/en\/#\/schema\/logo\/image\/","url":"https:\/\/cryptodnes.bg\/en\/wp-content\/uploads\/sites\/2\/2025\/04\/logo.svg","contentUrl":"https:\/\/cryptodnes.bg\/en\/wp-content\/uploads\/sites\/2\/2025\/04\/logo.svg","caption":"CryptoDnes EN"},"image":{"@id":"https:\/\/cryptodnes.bg\/en\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/cryptodnes.bg\/en\/#\/schema\/person\/121029bf2ce7d5bbdab7f447d5aeebb5","name":"Alexander Stefanov","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/cryptodnes.bg\/en\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/6dd8585c9881c74e639b0a3d0a889929?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6dd8585c9881c74e639b0a3d0a889929?s=96&d=mm&r=g","caption":"Alexander Stefanov"},"url":"https:\/\/cryptodnes.bg\/en\/author\/alex100oo\/"}]}},"modified_by":"Kostadin Dimitrov","_links":{"self":[{"href":"https:\/\/cryptodnes.bg\/en\/wp-json\/wp\/v2\/posts\/132314","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cryptodnes.bg\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cryptodnes.bg\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cryptodnes.bg\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/cryptodnes.bg\/en\/wp-json\/wp\/v2\/comments?post=132314"}],"version-history":[{"count":1,"href":"https:\/\/cryptodnes.bg\/en\/wp-json\/wp\/v2\/posts\/132314\/revisions"}],"predecessor-version":[{"id":132317,"href":"https:\/\/cryptodnes.bg\/en\/wp-json\/wp\/v2\/posts\/132314\/revisions\/132317"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cryptodnes.bg\/en\/wp-json\/wp\/v2\/media\/75706"}],"wp:attachment":[{"href":"https:\/\/cryptodnes.bg\/en\/wp-json\/wp\/v2\/media?parent=132314"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cryptodnes.bg\/en\/wp-json\/wp\/v2\/categories?post=132314"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cryptodnes.bg\/en\/wp-json\/wp\/v2\/tags?post=132314"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}