Skip to main content
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?

Jan 1, 2027

Jan 1, 2027

70% chance
Polymarket
NEW
70% 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.**Trader consensus on a US bank failure by year-end 2026 at 69.5% implied probability reflects persistent vulnerabilities among smaller institutions despite resilience at large banks.** Four FDIC-resolved failures have already occurred in 2026, driven by concentrated credit losses, impaired capital, and unsafe conditions at regional lenders. Commercial real estate exposures remain a key pressure point, with roughly $875 billion in CRE debt maturing this year amid elevated rates and office-sector weakness. Federal Reserve 2026 stress tests showed major banks absorbing over $700 billion in projected losses while exceeding capital minimums, yet these scenarios do not fully capture risks at smaller entities. Recent data on loan charge-offs and liquidity strains continue to support elevated failure odds through December.

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
$5,037
End Date
Jan 1, 2027
Market Opened
Jul 20, 2026, 3:49 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.**Trader consensus on a US bank failure by year-end 2026 at 69.5% implied probability reflects persistent vulnerabilities among smaller institutions despite resilience at large banks.** Four FDIC-resolved failures have already occurred in 2026, driven by concentrated credit losses, impaired capital, and unsafe conditions at regional lenders. Commercial real estate exposures remain a key pressure point, with roughly $875 billion in CRE debt maturing this year amid elevated rates and office-sector weakness. Federal Reserve 2026 stress tests showed major banks absorbing over $700 billion in projected losses while exceeding capital minimums, yet these scenarios do not fully capture risks at smaller entities. Recent data on loan charge-offs and liquidity strains continue to support elevated failure odds through December.

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
$5,037
End Date
Jan 1, 2027
Market Opened
Jul 20, 2026, 3:49 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.

Related

icon for Will Deutsche Bank fail by end of 2026?

Will Deutsche Bank fail by end of 2026?

4%
icon for Will Workhorse announce bankruptcy before 2027?

Will Workhorse announce bankruptcy before 2027?

24%
icon for Major U.S. bank bailout before 2027?

Major U.S. bank bailout before 2027?

9%

Beware of external links.

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 70% for "Yes." For example, if "Yes" is priced at 70¢, the market collectively assigns a 70% 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 Jul 20, 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 70% for "Yes." This means the Polymarket crowd currently believes there is a 70% 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.