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WASHINGTON, DC - MAY 16: Martin Gruenberg, Chairman of the Federal Deposit Insurance Corporation (FDIC), testifies before the Senate Committee on Banking, Housing, and Urban Affairs on Capitol Hill on May 16, 2024 in Washington, DC. The committee questioned Gruenberg on a recent report that revealed a toxic work environment at the FDIC with alleged harassment and mistreatment of employees. (Photo by Kevin Dietsch/Getty Images)

Banks posted strong profits in the second quarter. The bad news? The risky lending rate remained at its highest level in 11 years.

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