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Bank Reserves Against Problem Loans
Allowance for loan and lease losses as a % of noncurrent 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. Noncurrent loans are 90 days or more past due or on nonaccrual. Large banks adopted lifetime-loss reserving (CECL) from 2020.
How much banks have set aside for every dollar of loans that has stopped paying. When it falls, problem loans are growing faster than the cushion against them.
What this chart reads
- U.S. Banks Loan-Loss Reserve Coverage of Noncurrent Loans (FDIC)as “Reserve coverage ratio”latest 2026-06-30
Sources
U.S. Banks Loan-Loss Reserve Coverage of Noncurrent Loans (FDIC). Source: Federal Deposit Insurance Corporation, Quarterly Banking Profile, "QBP time series spreadsheets" workbook (sheet "Ratios by Asset Size Groups", block "Loss Allowance to Noncurrent Loans and Leases (Coverage Ratio)", 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.