Delinquency rate on all loans, all banks, United States
Delinquency rate on all loans, all banks was 1.42% in Q2 2026, down 0.03 pp from Q1 2026 and down 0.07 pp from a year earlier. The series starts in Q1 2006 and has 82 observations. Source: Board of Governors of the Federal Reserve System.
- On the previous reading (Q1 2026): down 0.03 pp, to 1.42%
- On a year earlier (Q2 2025): down 0.07 pp
- Against the five-year average of 1.36%: above
Sparklines: the last ten years; the amber dot marks the reading in the tile. Source: Board of Governors of the Federal Reserve System. EconoMonitor is not affiliated with or endorsed by the Federal Reserve.
Overview
Over the last five years the series ranged from 1.19% (Q3 2022) to 1.51% (Q1 2025). Since Q1 2006 the full range is 1.19% (Q3 2022) to 7.35% (Q1 2010).
Key facts
| Reading | Period | Value |
|---|---|---|
| Latest | Q2 2026 | 1.42% |
| Previous | Q1 2026 | 1.45% |
| A year earlier | Q2 2025 | 1.49% |
| Five-year high | Q1 2025 | 1.51% |
| Five-year low | Q3 2022 | 1.19% |
| First observation | Q1 2006 | 1.50% |
Unit: percent. Source: Board of Governors of the Federal Reserve System. EconoMonitor is not affiliated with or endorsed by the Federal Reserve.
How has it moved since Q1 2006?
Full history
- Delinquency rate on all loans, all banks 1.4%
Last five years
- Delinquency rate on all loans, all banks 1.4%
Latest readings
| Period | Value | Change from previous |
|---|---|---|
| Q3 2024 | 1.50% | +0.02 pp |
| Q4 2024 | 1.50% | 0.00 pp |
| Q1 2025 | 1.51% | +0.01 pp |
| Q2 2025 | 1.49% | -0.02 pp |
| Q3 2025 | 1.46% | -0.03 pp |
| Q4 2025 | 1.46% | 0.00 pp |
| Q1 2026 | 1.45% | -0.01 pp |
| Q2 2026 | 1.42% | -0.03 pp |
How does the latest reading compare?
The latest reading of 1.42% in Q2 2026 is above its five-year average of 1.36% and below its ten-year average of 1.50%. It is higher than 15% of all 82 readings since Q1 2006. It has fallen for 2 readings in a row up to Q2 2026. Over the last 12 readings, from Q3 2023 to Q2 2026, it averaged 1.45%, with a high of 1.51% in Q1 2025 and a low of 1.33% in Q3 2023. In the last ten years the largest rise from one reading to the next was in Q1 2020, to 1.49% from 1.41% in Q4 2019, and the largest fall was in Q1 2021, to 1.46% from 1.57% in Q4 2020.
Among the last 9 complete years, the average was highest in 2017, at 1.83%, and lowest in 2022, at 1.21%.
Year by year
| Year | Average | Low | High | Last reading | Readings |
|---|---|---|---|---|---|
| 2026 | 1.44% | 1.42% | 1.45% | 1.42% Q2 2026 | 2 |
| 2025 | 1.48% | 1.46% | 1.51% | 1.46% Q4 2025 | 4 |
| 2024 | 1.48% | 1.42% | 1.50% | 1.50% Q4 2024 | 4 |
| 2023 | 1.29% | 1.20% | 1.37% | 1.37% Q4 2023 | 4 |
| 2022 | 1.21% | 1.19% | 1.23% | 1.19% Q4 2022 | 4 |
| 2021 | 1.33% | 1.25% | 1.46% | 1.25% Q4 2021 | 4 |
| 2020 | 1.54% | 1.49% | 1.58% | 1.57% Q4 2020 | 4 |
| 2019 | 1.47% | 1.41% | 1.52% | 1.41% Q4 2019 | 4 |
| 2018 | 1.61% | 1.51% | 1.70% | 1.51% Q4 2018 | 4 |
| 2017 | 1.83% | 1.77% | 1.92% | 1.77% Q4 2017 | 4 |
Averages, lows and highs are calculated by EconoMonitor from the published readings. Source: Board of Governors of the Federal Reserve System. EconoMonitor is not affiliated with or endorsed by the Federal Reserve.
How is it measured?
Loans 30+ days past due or in nonaccrual status as a percent of loans, all US commercial banks, end of quarter, seasonally adjusted.
Delinquency rate on all loans, all banks is published quarterly by Board of Governors of the Federal Reserve System in its Charge-off and delinquency rates release. It is measured in percent and is seasonally adjusted. EconoMonitor holds all 82 readings since Q1 2006 under the publisher's code STFBQD%STFBAIL_XEOP_MA.Q, keeps earlier values when the publisher revises them, and compares each release with the downloaded file before it is shown.
Related measures on this site: charge-off rate on all loans, all banks was 0.55% in Q2 2026.
- Frequency: quarterly; seasonal adjustment: SA.
- Unit: percent.
- Release: Charge-off and delinquency rates, published by Board of Governors of the Federal Reserve System.
- Source series code: STFBQD%STFBAIL_XEOP_MA.Q.
- Methodology: how EconoMonitor stores and checks this series.
Questions and sources
What is the latest reading of Delinquency rate on all loans, all banks?
1.42% in Q2 2026, as published by Board of Governors of the Federal Reserve System.
How often is it updated?
Quarterly, with each Charge-off and delinquency rates release. EconoMonitor reloads the series after each release and keeps earlier values when the publisher revises them.
Where can I check it?
At the publisher: Federal Reserve Board Data Download Program, series code STFBQD%STFBAIL_XEOP_MA.Q.
Definitions of the other measures quoted on this page: Charge-off rate on all loans, all banks (US).
Source: Board of Governors of the Federal Reserve System. EconoMonitor is not affiliated with or endorsed by the Federal Reserve. Checks for this release: Check A passed, Check B passed.
Data and analysis only, not financial advice. Data publishers do not endorse EconoMonitor. See the disclaimer and methodology.