Data from federal regulators indicates that this year may have the fewest bank failures since 2007. Regulators closed a Texas bank on Friday, making it the 24th such failure this year, down from 51 in 2012, according to data from the Federal Deposit Insurance Corp. If no more FDIC-insured institutions fail this year, 2013 will have the fewest closures since 2007, when there were just three. Failures hit a recent peak in 2010, when regulators closed 157 institutions. Although a plunge in borrowers looking to refinance recently took a bite out of banks' profits, earnings have been trending higher for years. For the third quarter, FDIC-insured institutions reported net income of $36 billion, up from $24 billion three years earlier.