FDIC Press Releases Guidance

Press Release: FDIC Releases Economic Scenarios for 2026 Stress Testing

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Operational Brief

• The FDIC has released economic scenarios for 2026 stress testing for covered institutions with total consolidated assets of more than $250 billion. • These scenarios include baseline and severely adverse scenarios, each covering 28 variables such as GDP, unemployment rate, stock market prices, and interest rates.

Why It Matters for Texas Credit Unions

The article does not mention Texas or any Texas-specific entities. It is a general federal regulation applicable to all covered institutions regardless of location.

Who this most likely affects

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The item has some Texas or operational relevance signals, but the site does not yet have enough support to narrow it to one institution profile with confidence.

This is site guidance, not a formal determination. FDIC Press Releases and the original source material remain the governing reference.

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Original Source Material

PRESS RELEASE | FEBRUARY 12, 2026 FDIC Releases Economic Scenarios for 2026 Stress Testing WASHINGTON – The Federal Deposit Insurance Corporation (FDIC) today released the hypothetical economic scenarios for use in the upcoming stress tests for covered institutions with total consolidated assets of more than $250 billion. The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 requires certain financial companies, including certain state nonmember banks and state savings associations, to conduct stress tests. In 2018, Congress increased the size of what is considered a covered institution from $10 billion to $250 billion. The supervisory scenarios include baseline and severely adverse scenarios. The baseline scenario is in line with a survey of private sector economic forecasters. The severely adverse scenario is not a forecast, rather, it is a hypothetical scenario designed to assess the strength and resilience of financial institutions. Each scenario includes 28 variables—such as gross domestic product, the unemployment rate, stock market prices, and interest rates—covering domestic and international economic activity. The FDIC coordinated with the Board of Governors of the Federal Reserve System and the Office of the Comptroller of the Currency in developing and distributing these scenarios. ATTACHMENTS: Stress Test Scenarios # # # MEDIA CONTACT: [email protected] The FDIC does not send unsolicited email. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe . CONNECT WITH US