Noncurrent loans to total loans: US bank rankings
Charles Schwab Premier Bank, SSB has the lowest noncurrent loans to total loans of the 500 US banks ranked at , at 0.00%, ahead of Charles Schwab Trust Bank (0.00%) and Safra National Bank of New York (0.00%). Median noncurrent loans to total loans: 0.61%. Source: FDIC Call Reports.
Key takeaways
- The median noncurrent loans to total loans fell to 0.61% from 0.65% between and (FDIC Call Report data).
- Median noncurrent loans to total loans by size: 0.85% for banks over $100 bn, against 0.58% for banks $1 bn to $10 bn (, FDIC Call Reports).
- 4 banks entered the top 25 by noncurrent loans to total loans in , including Farmers and Merchants Bank of Long Beach at 13th (FDIC Call Report data).
Ranking, Q2 2026
Rank 1 = lowest. Change: places since .
How is noncurrent loans to total loans distributed?
The middle half of the noncurrent loans to total loans table: between 0.34% and 1.07%. Top tenth of noncurrent loans to total loans: above 1.89%; bottom tenth: below 0.15%. Far from the rest on noncurrent loans to total loans: Comenity Bank (3.24%); Lead Bank (3.26%); American Momentum Bank (3.52%); Merrick Bank (3.52%); Green Dot Bank DBA Bonneville Bank (3.56%), and 14 more.
| Size group (total assets) | Banks | Lower quarter | Median | Upper quarter |
|---|---|---|---|---|
| All banks ranked | 500 | 0.34% | 0.61% | 1.07% |
| $1 bn to $10 bn | 339 | 0.30% | 0.58% | 1.07% |
| $10 bn to $100 bn | 126 | 0.44% | 0.66% | 0.92% |
| Over $100 bn | 32 | 0.56% | 0.85% | 1.11% |
What changed since Q1 2026?
Into the top 25: Farmers and Merchants Bank of Long Beach (from 48th), Tradition Capital Bank (from 51st), The Bank of New York Mellon (from 32nd), Bryant Bank (from 27th). Out of it: Pinnacle Bank (to 44th), Citizens Business Bank (to 46th), Esquire Bank (to 91st), Five Star Bank (to 104th).
Biggest climbs: Alerus Financial (414th to 87th); California Bank of Commerce (376th to 100th); John Deere Financial, f.s.b. (352nd to 93rd); National Exchange Bank and Trust (374th to 132nd); Needham Bank (350th to 160th).
Biggest drops: The Bank of Missouri (94th to 427th); Wayne Bank (181st to 396th); Cornerstone Bank (234th to 430th); Community National Bank (272nd to 439th); Vallant Bank (38th to 201st).
How the noncurrent loans to total loans ranking is built
The noncurrent loans ratio is loans 90 days or more past due plus loans no longer accruing interest, as a percent of gross loans and leases (FDIC field NCLNLSR). Lower is safer, so this table ranks the lowest ratio first. Caveats: it measures problem loans at one date, not losses; banks that charge off bad loans quickly can show lower ratios than slower peers; loans guaranteed by government agencies can be noncurrent with little loss risk; and a bank with few loans can show a volatile ratio.
Questions
Which US bank has the lowest noncurrent loans to total loans?
Charles Schwab Premier Bank, SSB, at 0.00% at , among 500 banks reporting it.
What is the median noncurrent loans to total loans of US banks?
0.61% at , against 0.65% at .
How is noncurrent loans to total loans measured?
Loans 90+ days past due or in nonaccrual status as a percent of gross loans and leases.
When does the noncurrent loans to total loans ranking change?
Quarterly. figures come after .
Other US bank rankings
Size and balance sheet: Total assets, Total deposits, Net loans and leases, Loan-to-deposit ratio, Total securities, Deposits in domestic offices, Total loans and leases (gross)
Capital: CET1 ratio, Tier 1 leverage ratio, Total risk-based capital ratio, Bank equity capital, Total equity capital
Profitability: Return on equity (ROE), Return on assets (ROA), Net interest margin, Efficiency ratio, Net income (year to date)
Asset quality: Net charge-offs to average loans
Deposits at risk: Uninsured share of domestic deposits, Estimated uninsured deposits
Securities: Available-for-sale securities (fair value), Available-for-sale securities (amortized cost), Held-to-maturity securities (amortized cost), Held-to-maturity securities (fair value)
Staff and branches: Full-time equivalent employees, Number of offices