The FDIC also examines the health of the banking system by analyzing 5,160 banks, more than half of all banks in the banking system, to make sure that they have enough cash on deposit, and assessing the quality of assets and loan repayments. Whenever a bank is having difficulty, the FDIC may intervene to help the bank move toward a healthier state. If this doesn’t work, the FDIC may take over the bank or merge the bank with another healthier bank.