Noncurrent loans to total loans: US bank rankings

500 FDIC-insured banks ranked by noncurrent loans to total loans at Q2 2026, from each bank's Call Report. 1 = lowest.

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.

What changed this quarter (Q1 2026 to Q2 2026)

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

Lowest value

0.00%

Charles Schwab Premier Bank, SSB

Rank 1 of 500 1 = lowest

Median bank

0.61%

Middle of the 500 banks ranked

Highest value

25.76%

Monet Bank

Rank 500 of 500 1 = lowest

Banks ranked

500

Every bank in our coverage that reported it

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		Q1 2026
241	-13	Bristol County Savings Bank	MA	0.60%	0.60%
242	+50	Orrstown Bank	PA	0.60%	0.75%
243	-21	Peoples Bank	OH	0.60%	0.58%
244	-27	Austin Bank, Texas	TX	0.60%	0.57%
245	-12	Intrust Bank	KS	0.60%	0.60%
246	+102	First American Bank	IL	0.60%	0.91%
247	-6	Stockman Bank of Montana	MT	0.60%	0.62%
248	+4	Sunwest Bank	UT	0.60%	0.65%
249	-25	NBH Bank	CO	0.60%	0.59%
250	-1	First Financial Bank	IN	0.61%	0.64%
251	-147	Texas Bank and Trust Company	TX	0.61%	0.29%
252	-51	Planters Bank & Trust Company	MS	0.61%	0.53%
253	+9	UniBank for Savings	MA	0.62%	0.68%
254	-15	Northfield Bank	NY	0.62%	0.61%
255	+5	Capitol Federal Savings Bank	KS	0.62%	0.67%
256	-146	Univest Bank and Trust Co.	PA	0.62%	0.31%
257	+11	Southern Bank	MO	0.63%	0.70%
258	-20	WaFd Bank	WA	0.63%	0.61%
259	+23	American Express National Bank	UT	0.63%	0.73%
260	-62	Wilson Bank and Trust	TN	0.63%	0.52%
261	-5	Investar Bank	LA	0.63%	0.66%
262	-137	Bank of New Hampshire	NH	0.63%	0.34%
263	-10	Nicolet National Bank	WI	0.63%	0.65%
264	-62	BankPlus	MS	0.64%	0.53%
265	+23	Manasquan Bank	NJ	0.64%	0.75%
266	+74	Dime Commercial Bank	NY	0.64%	0.89%
267	+6	Sallie Mae Bank	UT	0.65%	0.71%
268	-3	Bank of America	NC	0.65%	0.68%
269	+26	Avidbank	CA	0.65%	0.75%
270	-11	Bank of America California	CA	0.66%	0.67%
271	+23	Seacoast National Bank	FL	0.66%	0.75%
272	+17	Citibank	SD	0.66%	0.75%
273	-160	OceanFirst Bank	NJ	0.66%	0.31%
274	+29	Georgia Banking Company	GA	0.67%	0.79%
275	-114	ConnectOne Bank	NJ	0.68%	0.42%
276	+99	Choice Financial Group	ND	0.68%	1.03%
277	-1	Gate City Bank	ND	0.69%	0.72%
278	+33	Stellar Bank	TX	0.69%	0.80%
279	-9	Northwest Bank	PA	0.69%	0.70%
280	-3	First Community Bank	VA	0.70%	0.72%

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

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.