Noncurrent loans to total loans: US bank rankings
Charles Schwab Premier Bank, SSB ranked first (lowest) by noncurrent loans to total loans at Q2 2026 with 0.00%, followed by Charles Schwab Trust Bank (0.00%) and Safra National Bank of New York (0.00%). Rank among 500 banks reporting this metric, 1 = lowest; the median bank was at 0.61%. Source: FDIC Call Report data, cross-checked against FFIEC filings.
- Charles Schwab Premier Bank, SSB moved to first, ahead of Horizon Bank, SSB, first in Q1 2026
- Median: down from 0.65% to 0.61%
- Biggest rise in the top 100: Alerus Financial, from 414th to 87th
Sparklines: the last ten years (median and count: every quarter of this ranking). Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor.
Ranking, Q2 2026
| Rank (1 = lowest) | Change in rank | Bank | State | Q2 2026 | Q1 2026 | |
|---|---|---|---|---|---|---|
| 401 | -41 | Cambridge Savings Bank | MA | 1.26% | 0.94% | |
| 402 | +41 | CalPrivate Bank | CA | 1.26% | 1.61% | |
| 403 | -58 | Fidelity Bank & Trust | IA | 1.26% | 0.90% | |
| 404 | +32 | b1BANK | LA | 1.26% | 1.53% | |
| 405 | +8 | Republic Bank of Chicago | IL | 1.27% | 1.32% | |
| 406 | -10 | Farmers Bank & Trust Company | AR | 1.32% | 1.16% | |
| 407 | +9 | Shore United Bank | MD | 1.32% | 1.33% | |
| 408 | -4 | The Bancorp Bank | SD | 1.33% | 1.23% | |
| 409 | -27 | Sunrise Banks | SD | 1.34% | 1.05% | |
| 410 | +23 | CIBC Bank USA | IL | 1.35% | 1.49% | |
| 411 | +14 | Manufacturers and Traders Trust Company | NY | 1.35% | 1.44% | |
| 412 | +19 | Citizens Bank | RI | 1.36% | 1.48% | |
| 413 | -3 | HomeTrust Bank | NC | 1.40% | 1.28% | |
| 414 | -13 | FirstBank | TN | 1.40% | 1.19% | |
| 415 | +14 | EverBank | FL | 1.42% | 1.46% | |
| 416 | +3 | Southern Bancorp Bank | AR | 1.42% | 1.34% | |
| 417 | +4 | Midland States Bank | IL | 1.43% | 1.35% | |
| 418 | +12 | Forbright Bank | MD | 1.45% | 1.48% | |
| 419 | +29 | U.S. Bank | OH | 1.45% | 1.65% | |
| 420 | +4 | HSBC Bank USA | VA | 1.45% | 1.42% | |
| 421 | +17 | BayCoast Bank | MA | 1.45% | 1.54% | |
| 422 | -19 | NexBank | TX | 1.47% | 1.23% | |
| 423 | +17 | NEXTIER BANK | PA | 1.49% | 1.55% | |
| 424 | +25 | Capital One | VA | 1.49% | 1.67% | |
| 425 | -53 | Ion Bank | CT | 1.49% | 1.01% | |
| 426 | -42 | Dacotah Bank | SD | 1.52% | 1.06% | |
| 427 | -333 | The Bank of Missouri | MO | 1.53% | 0.25% | |
| 428 | +16 | First International Bank & Trust | ND | 1.54% | 1.62% | |
| 429 | -14 | Amarillo National Bank | TX | 1.54% | 1.33% | |
| 430 | -196 | Cornerstone Bank | NE | 1.55% | 0.61% | |
| 431 | +10 | CTBC Bank Corp. (USA) | CA | 1.55% | 1.59% | |
| 432 | +10 | First Internet Bank of Indiana | IN | 1.56% | 1.61% | |
| 433 | +2 | InterBank | OK | 1.56% | 1.52% | |
| 434 | +51 | Preferred Bank | CA | 1.57% | 2.76% | |
| 435 | +34 | Oriental Bank | PR | 1.59% | 2.29% | |
| 436 | +15 | Gulf Coast Bank and Trust Company | LA | 1.60% | 1.74% | |
| 437 | -112 | Sunflower Bank | TX | 1.63% | 0.85% | |
| 438 | +15 | TBK BANK, SSB | TX | 1.65% | 1.77% | |
| 439 | -167 | Community National Bank | TX | 1.66% | 0.70% | |
| 440 | +23 | West Texas National Bank | TX | 1.67% | 2.00% | |
Source: FDIC BankFind Suite (Call Report data), cross-checked against FFIEC Call Report filings. Calculations: EconoMonitor. Change in rank compares with Q1 2026. Bars: value relative to the largest in the table.
Who leads the table?
The five banks at the top of the table at Q2 2026 were Charles Schwab Premier Bank, SSB (0.00%, TX), Charles Schwab Trust Bank (0.00%, TX), Safra National Bank of New York (0.00%, NY), First American Trust, FSB (0.00%, CA) and Bessemer Trust Company (0.00%, NY). 10 of the top 10 were also in the top 10 in Q1 2026. 3 of the top 10 have their head office in Texas.
How are the values spread?
Half of the 500 banks have a value between 0.34% and 1.07% (the middle two quarters of the table); one in ten is above 1.89% and one in ten below 0.15%. A year earlier, at Q2 2025, the median was 0.57% across 528 banks. The median fell from 0.65% in Q1 2026 to 0.61% in Q2 2026.
19 values lie far from the rest of the table (more than three times the spread of the middle half beyond it): 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%); Cornerstone Capital Bank, SSB (3.62%) and others. Values like these usually come from special-purpose banks, such as trust, custody, credit card or payment banks, whose balance sheets differ from lending banks; compare them with care.
Which of the top 100 banks moved most?
Between Q1 2026 and Q2 2026, of the 500 banks ranked in both quarters, 285 moved up the table, 193 moved down and 22 kept their place; the typical bank moved 16 places.
Largest moves up the table from Q1 2026 to Q2 2026: Alerus Financial (from 414th to 87th; 1.32% to 0.26%); California Bank of Commerce (from 376th to 100th; 1.03% to 0.29%); John Deere Financial, f.s.b. (from 352nd to 93rd; 0.92% to 0.27%). Largest moves down the table from Q1 2026 to Q2 2026: Esquire Bank (from 17th to 91st; 0.04% to 0.27%); Arrow Bank (from 44th to 78th; 0.13% to 0.24%); City Bank (from 55th to 85th; 0.16% to 0.25%).
How is this ranking built?
Loans 90+ days past due or in nonaccrual status as a percent of gross loans and leases. Noncurrent loans to total loans values are quarter-end figures from each bank's Call Report for Q2 2026, ranked from lowest to highest, because a lower value is safer for this metric (1 = lowest).
Full definitions are on the methodology page for noncurrent loans to total loans.
Other US bank rankings
- Bank equity capital
- Common equity tier 1 (CET1) ratio
- Deposits in domestic offices
- Efficiency ratio
- Full-time equivalent employees
- Loan-to-deposit ratio
- Total loans and leases (gross)
- Net loans and leases
- Net charge-offs to average loans
- Net income (year to date)
- Net interest margin
- Number of offices
- Return on assets (ROA)
- Return on equity (ROE)
- Available-for-sale securities (amortized cost)
- Available-for-sale securities (fair value)
- Held-to-maturity securities (amortized cost)
- Held-to-maturity securities (fair value)
- Total securities
- Tier 1 leverage ratio
- Total assets
- Total deposits
- Total equity capital
- Total risk-based capital ratio
- Uninsured share of domestic deposits
- Estimated uninsured deposits
Source: FDIC BankFind Suite (Call Report data). EconoMonitor is not affiliated with or endorsed by the FDIC. Primary source: FDIC BankFind Suite; cross-check: FFIEC Central Data Repository. Checks: Check A passed, Check B passed.
Data and analysis only, not financial advice. The FDIC and the FFIEC do not endorse EconoMonitor. See the disclaimer and methodology.