U.S. Bank Loans 30–89 Days Past Due (FDIC)

## What this measures

Loans and leases 30 to 89 days past due and still accruing interest, as a percent of total loans and leases, for all FDIC-insured institutions at quarter end.

## Why it matters

Early delinquency is the first stage of loan trouble at banks. Loans that stay behind move on to noncurrent status and then to charge-off, so this rate tends to turn before both.

## How to read it

Higher is worse. Read it with the noncurrent rate (banks.noncurrent_rate.all) and the net charge-off rate (credit.banks.qbp.net_charge_off_rate). The series is not seasonally adjusted.

## What it does not say

It covers FDIC-insured commercial banks and savings institutions (insured branches of foreign banks are left out), not credit unions or nonbank lenders. It is an industry figure: the largest banks move it most, and it says nothing about any one bank. The FDIC revises recent quarters as banks amend their Call Reports. Loan modifications and payment deferrals, as in 2020, keep loans current that would otherwise be past due.

## 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 by /api/cron/credit-banks-sync, which re-reads the full history from the newest QBP.