The New BANK Act of 2025 requires federal banking regulators to publish annual reports showing how many applications they receive to start new banks, credit unions, and related financial institutions, along with how long these applications take to process. Right now, there's no consistent public information about how many people are trying to start banks or how long the approval process actually takes. This bill fixes that by requiring four federal agencies—the Comptroller of the Currency, the Federal Reserve, the Federal Deposit Insurance Corporation, and the National Credit Union Administration—to each publish detailed annual reports. These reports will show the number of applications received and their outcomes (approved, denied, withdrawn, etc.), the average time it takes to approve applications, and the common reasons why applications get rejected or withdrawn. Additionally, the three federal agencies will work together to publish a separate report on state-level bank and credit union charter applications, breaking down the data by state so people can see how different states handle new financial institution applications. Essentially, this bill brings transparency to the banking charter process by making it easier for the public, policymakers, and potential applicants to understand how the system actually works.