Line
Problem Commercial Real Estate Loans at U.S. Banks
CRE loans 90+ days past due or on nonaccrual, % of CRE loans, by bank size
2 of 5 series are above their level a year earlier
Plays the chart through its history. Pauses are where the data set a record or moved most.
FFIEC Call Reports, every insured U.S. bank charter, by total assets in each quarter (nominal dollars). Bank charters, not holding companies. Construction, multifamily and nonfarm nonresidential loans secured by real estate.
The clearest public read of commercial real estate stress on bank balance sheets, from the 2009 to 2011 bust to the office and multifamily strain after the rate rise. Compare the size bands to see whose books are souring.
What this chart reads
- U.S. Banks Commercial Real Estate Noncurrent Rate (All Banks)as “All banks”latest 2026-06-30
- U.S. Banks Commercial Real Estate Noncurrent Rate (Under $1B Assets)as “Under $1B”latest 2026-06-30
- U.S. Banks Commercial Real Estate Noncurrent Rate ($1B-$10B Assets)as “$1B to $10B”latest 2026-06-30
- U.S. Banks Commercial Real Estate Noncurrent Rate ($10B-$100B Assets)as “$10B to $100B”latest 2026-06-30
- U.S. Banks Commercial Real Estate Noncurrent Rate ($100B+ Assets)as “$100B and over”latest 2026-06-30
Sources
U.S. Banks Commercial Real Estate Noncurrent Rate (All Banks). Source: Federal Financial Institutions Examination Council, Central Data Repository, Call Reports bulk data ("Call Reports -- Single Period", cdr.ffiec.gov), every insured U.S. commercial bank and savings institution that files a Call Report; U.S. government work. Refreshed, which checks weekly for a new quarter (banks file 30 days after quarter end; the full set is usually complete about 45 days after).
U.S. Banks Commercial Real Estate Noncurrent Rate (Under $1B Assets). Source: Federal Financial Institutions Examination Council, Central Data Repository, Call Reports bulk data ("Call Reports -- Single Period", cdr.ffiec.gov), every insured U.S. commercial bank and savings institution that files a Call Report; U.S. government work. Refreshed, which checks weekly for a new quarter (banks file 30 days after quarter end; the full set is usually complete about 45 days after).
U.S. Banks Commercial Real Estate Noncurrent Rate ($1B-$10B Assets). Source: Federal Financial Institutions Examination Council, Central Data Repository, Call Reports bulk data ("Call Reports -- Single Period", cdr.ffiec.gov), every insured U.S. commercial bank and savings institution that files a Call Report; U.S. government work. Refreshed, which checks weekly for a new quarter (banks file 30 days after quarter end; the full set is usually complete about 45 days after).
U.S. Banks Commercial Real Estate Noncurrent Rate ($10B-$100B Assets). Source: Federal Financial Institutions Examination Council, Central Data Repository, Call Reports bulk data ("Call Reports -- Single Period", cdr.ffiec.gov), every insured U.S. commercial bank and savings institution that files a Call Report; U.S. government work. Refreshed, which checks weekly for a new quarter (banks file 30 days after quarter end; the full set is usually complete about 45 days after).
U.S. Banks Commercial Real Estate Noncurrent Rate ($100B+ Assets). Source: Federal Financial Institutions Examination Council, Central Data Repository, Call Reports bulk data ("Call Reports -- Single Period", cdr.ffiec.gov), every insured U.S. commercial bank and savings institution that files a Call Report; U.S. government work. Refreshed, which checks weekly for a new quarter (banks file 30 days after quarter end; the full set is usually complete about 45 days after).
Charts are drawn from Palanor's signal library and recomputed from source data on every view. Transformations (changes, indexing, year-on-year rates) are Palanor's.