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icon for US bank failure by December 31, 2026?
Economy·Banks

US bank failure by December 31, 2026?

icon for US bank failure by December 31, 2026?
Economy·Banks

US bank failure by December 31, 2026?

Dec 31

Dec 31

45% chance
Polymarket
NEW
45% chance
Polymarket
NEW
This market will resolve to "Yes" if any US bank fails between this market's creation and the listed date, 11:59 PM ET (according to the FDIC's "Failed Bank List"). Otherwise, this market will resolve to "No". For this market to resolve to "Yes", the bank's closing date as listed by the FDIC must be within this market's above-specified timeframe. If there is a potential bank failure within this market's timeframe and the FDIC "Failed Bank List" has not been updated yet, this market may remain open to allow for the list to be updated. The primary resolution source for this market will be the Federal Deposit Insurance Corporation (FDIC), specifically the "Failed Bank List" available here: https://www.fdic.gov/resources/resolutions/bank-failures/failed-bank-list/; however, other official statements from the FDIC and government entities will suffice.Recent FDIC data show U.S. banks reporting robust Q2 2026 results, with industry ROA at 1.37%, rising net income, and the problem-bank list falling to just 47 institutions (1.1% of total). All 32 large banks cleared the June Fed stress test, absorbing a hypothetical $708 billion in losses while aggregate CET1 declined only 1.6 points to 11.2%, well above requirements. Five small community-bank failures have occurred year-to-date, but these remain isolated and modest in scale amid strong capital buffers and improving asset quality. With roughly four months remaining until year-end, traders price the modest near-term risk of additional failures against this backdrop of system-wide resilience and contained credit stresses.

This market will resolve to "Yes" if any US bank fails between this market's creation and the listed date, 11:59 PM ET (according to the FDIC's "Failed Bank List"). Otherwise, this market will resolve to "No".

For this market to resolve to "Yes", the bank's closing date as listed by the FDIC must be within this market's above-specified timeframe. If there is a potential bank failure within this market's timeframe and the FDIC "Failed Bank List" has not been updated yet, this market may remain open to allow for the list to be updated.

The primary resolution source for this market will be the Federal Deposit Insurance Corporation (FDIC), specifically the "Failed Bank List" available here: https://www.fdic.gov/resources/resolutions/bank-failures/failed-bank-list/; however, other official statements from the FDIC and government entities will suffice.
Volume
$1,013
End Date
Dec 31, 2026
Market Opened
Aug 24, 2026, 7:12 PM ET

Resolver

0x65070BE91...
This market will resolve to "Yes" if any US bank fails between this market's creation and the listed date, 11:59 PM ET (according to the FDIC's "Failed Bank List"). Otherwise, this market will resolve to "No". For this market to resolve to "Yes", the bank's closing date as listed by the FDIC must be within this market's above-specified timeframe. If there is a potential bank failure within this market's timeframe and the FDIC "Failed Bank List" has not been updated yet, this market may remain open to allow for the list to be updated. The primary resolution source for this market will be the Federal Deposit Insurance Corporation (FDIC), specifically the "Failed Bank List" available here: https://www.fdic.gov/resources/resolutions/bank-failures/failed-bank-list/; however, other official statements from the FDIC and government entities will suffice.
This market will resolve to "Yes" if any US bank fails between this market's creation and the listed date, 11:59 PM ET (according to the FDIC's "Failed Bank List"). Otherwise, this market will resolve to "No". For this market to resolve to "Yes", the bank's closing date as listed by the FDIC must be within this market's above-specified timeframe. If there is a potential bank failure within this market's timeframe and the FDIC "Failed Bank List" has not been updated yet, this market may remain open to allow for the list to be updated. The primary resolution source for this market will be the Federal Deposit Insurance Corporation (FDIC), specifically the "Failed Bank List" available here: https://www.fdic.gov/resources/resolutions/bank-failures/failed-bank-list/; however, other official statements from the FDIC and government entities will suffice.Recent FDIC data show U.S. banks reporting robust Q2 2026 results, with industry ROA at 1.37%, rising net income, and the problem-bank list falling to just 47 institutions (1.1% of total). All 32 large banks cleared the June Fed stress test, absorbing a hypothetical $708 billion in losses while aggregate CET1 declined only 1.6 points to 11.2%, well above requirements. Five small community-bank failures have occurred year-to-date, but these remain isolated and modest in scale amid strong capital buffers and improving asset quality. With roughly four months remaining until year-end, traders price the modest near-term risk of additional failures against this backdrop of system-wide resilience and contained credit stresses.

This market will resolve to "Yes" if any US bank fails between this market's creation and the listed date, 11:59 PM ET (according to the FDIC's "Failed Bank List"). Otherwise, this market will resolve to "No".

For this market to resolve to "Yes", the bank's closing date as listed by the FDIC must be within this market's above-specified timeframe. If there is a potential bank failure within this market's timeframe and the FDIC "Failed Bank List" has not been updated yet, this market may remain open to allow for the list to be updated.

The primary resolution source for this market will be the Federal Deposit Insurance Corporation (FDIC), specifically the "Failed Bank List" available here: https://www.fdic.gov/resources/resolutions/bank-failures/failed-bank-list/; however, other official statements from the FDIC and government entities will suffice.
Volume
$1,013
End Date
Dec 31, 2026
Market Opened
Aug 24, 2026, 7:12 PM ET

Resolver

0x65070BE91...
This market will resolve to "Yes" if any US bank fails between this market's creation and the listed date, 11:59 PM ET (according to the FDIC's "Failed Bank List"). Otherwise, this market will resolve to "No". For this market to resolve to "Yes", the bank's closing date as listed by the FDIC must be within this market's above-specified timeframe. If there is a potential bank failure within this market's timeframe and the FDIC "Failed Bank List" has not been updated yet, this market may remain open to allow for the list to be updated. The primary resolution source for this market will be the Federal Deposit Insurance Corporation (FDIC), specifically the "Failed Bank List" available here: https://www.fdic.gov/resources/resolutions/bank-failures/failed-bank-list/; however, other official statements from the FDIC and government entities will suffice.

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Frequently Asked Questions

"US bank failure by December 31, 2026?" is a prediction market on Polymarket where traders buy and sell "Yes" or "No" shares based on whether they believe this event will happen. The current crowd-sourced probability is 45% for "Yes." For example, if "Yes" is priced at 45¢, the market collectively assigns a 45% chance that this event will occur. These odds shift continuously as traders react to new developments and information. Shares in the correct outcome are redeemable for $1 each upon market resolution.

"US bank failure by December 31, 2026?" is a newly created market on Polymarket, launched on Aug 24, 2026. As an early market, this is your opportunity to be among the first traders to set the odds and establish the market's initial price signals. You can also bookmark this page to track volume and trading activity as the market gains traction over time.

To trade on "US bank failure by December 31, 2026?," simply choose whether you believe the answer is "Yes" or "No." Each side has a current price that reflects the market's implied probability. Enter your amount and click "Trade." If you buy "Yes" shares and the outcome resolves as "Yes," each share pays out $1. If it resolves as "No," your "Yes" shares pay $0. You can also sell your shares at any time before resolution if you want to lock in a profit or cut a loss.

The current probability for "US bank failure by December 31, 2026?" is 45% for "Yes." This means the Polymarket crowd currently believes there is a 45% chance that this event will occur. These odds update in real-time based on actual trades, providing a continuously updated signal of what the market expects to happen.

The resolution rules for "US bank failure by December 31, 2026?" define exactly what needs to happen for each outcome to be declared a winner — including the official data sources used to determine the result. You can review the complete resolution criteria in the "Rules" section on this page above the comments. We recommend reading the rules carefully before trading, as they specify the precise conditions, edge cases, and sources that govern how this market is settled.