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Noncurrent Loans at U.S. Banks by Size
Loans 90+ days past due or on nonaccrual, % of loans and leases
3 of 5 series are above their level a year earlier·1 of 5 is at a five-year high
Plays the chart through its history. Pauses are where the data set a record or moved most.
All banks · Continuation · the recent trend, flattening · 1 year
Under $1B · Continuation · the recent trend, flattening · 1 year
$1B to $10B · Continuation · the recent trend, flattening · 1 year
$10B to $100B · Continuation · the recent trend, flattening · 1 year
Continuation isn't available for $100B and over: Charts project up to 4 series.
Dashed: the projection from the latest reading. A projection, not a promise.
FFIEC Call Reports, every insured U.S. bank charter, by total assets in each quarter (nominal dollars). Bank charters, not holding companies. The Call Report has carried total noncurrent loans since 2017.
Every kind of loan that has stopped paying, as a share of the loan book. It rises before charge-offs and before banks pull back on lending.
What this chart reads
- U.S. Banks Noncurrent Loan Rate (All Banks)as “All banks”latest 2026-06-30
- U.S. Banks Noncurrent Loan Rate (Under $1B Assets)as “Under $1B”latest 2026-06-30
- U.S. Banks Noncurrent Loan Rate ($1B-$10B Assets)as “$1B to $10B”latest 2026-06-30
- U.S. Banks Noncurrent Loan Rate ($10B-$100B Assets)as “$10B to $100B”latest 2026-06-30
- U.S. Banks Noncurrent Loan Rate ($100B+ Assets)as “$100B and over”latest 2026-06-30
Sources
U.S. Banks Noncurrent Loan 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 Noncurrent Loan 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 Noncurrent Loan 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 Noncurrent Loan 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 Noncurrent Loan 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.