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Bank Loan Losses and Early Delinquency
Net charge-offs (annualized) and loans 30 to 89 days past due, % of loans, all FDIC-insured institutions
Plays the chart through its history. Pauses are where the data set a record or moved most.
FDIC Quarterly Banking Profile, all FDIC-insured commercial banks and savings institutions. Early delinquency is not seasonally adjusted.
Two stages of bank loan trouble on one chart: loans just starting to fall behind, and loans written off as lost. Early delinquency tends to turn first.
What this chart reads
- U.S. Banks Net Charge-Off Rate, All Loans (FDIC)as “Net charge-off rate”latest 2026-06-30
- U.S. Bank Loans 30–89 Days Past Due (FDIC)as “Loans 30–89 days past due”latest 2026-06-30
Sources
U.S. Banks Net Charge-Off Rate, All Loans (FDIC). Source: Federal Deposit Insurance Corporation, Quarterly Banking Profile, "QBP time series spreadsheets" workbook (sheet "Ratios by Asset Size Groups", block "Quarterly Net Charge-Offs to Loans and Leases", row "All Insured Institutions"), linked from fdic.gov/quarterly-banking-profile each quarter. Public domain: the FDIC data catalog (fdic.gov/data.json) licenses its banking data under the U.S. public domain label, use restriction "Unrestricted". Source: FDIC. Refreshed weekly, which re-reads the full history from the newest QBP.
U.S. Bank Loans 30–89 Days Past Due (FDIC). Source: Federal Deposit Insurance Corporation, Quarterly Banking Profile, "QBP time series spreadsheets" workbook (sheet "Ratios by Asset Size Groups", block "Percent of Loans and Leases 30-89 Days Past Due", row "All Insured Institutions"), linked from fdic.gov/quarterly-banking-profile each quarter. Public domain: the FDIC data catalog (fdic.gov/data.json) licenses its banking data under the U.S. public domain label, use restriction "Unrestricted". Source: FDIC. Refreshed weekly, which re-reads the full history from the newest QBP.
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.