Taxpayers spent $205 billion to save the banks, and $136 billion has already been paid back. That leaves a $67 billion IOU from Wall Street to the federal government.
Citigroup, which received $45 billion, is the only major bank that has yet to pay back all of its TARP loan. Citi has so far repaid $20 billion and still owes another $25 billion.
Economist Mark Zandi of Moody's Economy.com said taxpayers will get their money back from the banks, but it will take time.
"I think a year from now, certainly two years from now, everyone will have paid us back what they owed us," Zandi said.
As for insurance giant AIG, which received $70 billion straight? Tax payers are still waiting for that money to be returned.
The Associated Press and Reuters contributed to this report.