Delinquency rate on all loans, all banks, United States
Delinquency rate on all loans, all banks in the United States was 1.42% in , down 0.03 pp from and down 0.07 pp from a year earlier. Over the latest 12 readings it moved between 1.33% and 1.51%. The next reading is for Q3 2026. Source: Federal Reserve Board, Charge-off and delinquency rates; history from .
Key takeaways
- Delinquency rate on all loans, all banks at 1.42% in beats 15% of readings since (Federal Reserve Board).
- Against a ten-year average of 1.51%, delinquency rate on all loans, all banks is below that norm by 0.09 pp (Federal Reserve Board).
- Delinquency rate on all loans, all banks has fallen for 2 readings in a row up to (Federal Reserve Board).
What this indicator is and why it matters
The delinquency rate on all loans, all banks, is the share of loans held by US commercial banks that are 30 days or more past due or no longer accruing interest, measured at the end of each quarter. The Federal Reserve calculates it from the quarterly Call Reports that every bank files and publishes it, seasonally adjusted, in its charge-off and delinquency rate tables.
It is an early sign of credit trouble across the banking system. Borrowers fall behind before lenders give up on a loan, so a rising delinquency rate usually comes before higher charge-offs and larger loan-loss provisions, which cut into bank earnings. Supervisors and analysts compare it across loan types, such as credit cards, residential mortgages and commercial real estate, to see where stress is building.
Three cautions. The figure arrives with a lag, a couple of months after the quarter ends. It is an aggregate dominated by the largest banks, so it can mask stress concentrated in smaller lenders or in one type of loan; the noncurrent loan ratio of each bank, ranked separately on this site, shows the bank-level picture. And forbearance programs, such as those in 2020, can keep loans out of delinquency temporarily without the underlying risk going away.
Where it sits in history
Delinquency rate on all loans, all banks is at its lowest since , when it stood at 1.37%. Within ten years, delinquency rate on all loans, all banks beats 30% of readings; earlier years held delinquency rate on all loans, all banks higher.
| Window | Latest is higher than | Average | Highest | Lowest |
|---|---|---|---|---|
| Since Q1 2006 | 15% of readings | 2.77% | 7.35% | 1.19% |
| Last ten years | 30% of readings | 1.51% | 2.13% | 1.19% |
| Last five years | 55% of readings | 1.36% | 1.51% | 1.19% |
- Delinquency rate on all loans, all banks 1.4%
Recent readings
Last five years
- Delinquency rate on all loans, all banks 1.4%
Latest readings
| Period | Value | Change from previous |
|---|---|---|
| 1.42% | -0.03 pp | |
| 1.45% | -0.01 pp | |
| 1.46% | 0.00 pp | |
| 1.46% | -0.03 pp | |
| 1.49% | -0.02 pp | |
| 1.51% | +0.01 pp | |
| 1.50% | 0.00 pp | |
| 1.50% | +0.02 pp |
Annual averages
By calendar-year average, delinquency rate on all loans, all banks peaked in (6.92%) and bottomed in (1.21%). 2026 to date: 1.44%, after 1.48% in 2025.
| Year | Average | Low | High | Readings |
|---|---|---|---|---|
| 2026 (part year) | 1.44% | 1.42% | 1.45% | 2 |
| 2025 | 1.48% | 1.46% | 1.51% | 4 |
| 2024 | 1.48% | 1.42% | 1.50% | 4 |
| 2023 | 1.29% | 1.20% | 1.37% | 4 |
| 2022 | 1.21% | 1.19% | 1.23% | 4 |
| 2021 | 1.33% | 1.25% | 1.46% | 4 |
| 2020 | 1.54% | 1.49% | 1.58% | 4 |
| 2019 | 1.47% | 1.41% | 1.52% | 4 |
| 2018 | 1.61% | 1.51% | 1.70% | 4 |
| 2017 | 1.83% | 1.77% | 1.92% | 4 |
| 2016 | 2.09% | 2.01% | 2.16% | 4 |
| 2015 | 2.32% | 2.17% | 2.47% | 4 |
| 2014 | 2.97% | 2.68% | 3.28% | 4 |
| 2013 | 3.93% | 3.49% | 4.37% | 4 |
| 2012 | 4.99% | 4.62% | 5.24% | 4 |
| 2011 | 5.79% | 5.42% | 6.16% | 4 |
| 2010 | 6.92% | 6.34% | 7.35% | 4 |
| 2009 | 6.51% | 5.59% | 7.25% | 4 |
| 2008 | 3.64% | 2.86% | 4.70% | 4 |
| 2007 | 2.05% | 1.73% | 2.47% | 4 |
| 2006 | 1.57% | 1.50% | 1.69% | 4 |
Link to US banks
Each bank reports the measure behind delinquency rate on all loans, all banks in its Call Report. Median noncurrent loans to total loans, 500 US banks we cover: 0.61% at Q2 2026; delinquency rate on all loans, all banks: 1.42% in . Noncurrent loans to total loans ranking.
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.
Federal Reserve Board publishes delinquency rate on all loans, all banks quarterly in Charge-off and delinquency rates, in percent and is seasonally adjusted. Code: STFBQD%STFBAIL_XEOP_MA.Q. Method for delinquency rate on all loans, all banks.
Questions
How high is delinquency rate on all loans, all banks in the United States now?
1.42% in (Federal Reserve Board), down 0.07 pp on a year earlier.
Is delinquency rate on all loans, all banks high by historical standards?
Delinquency rate on all loans, all banks beats 15% of readings since ; its peak was 7.35% (), its low 1.19% ().
When is delinquency rate on all loans, all banks updated?
Quarterly, in Charge-off and delinquency rates. Next reading: Q3 2026.
Where can I check delinquency rate on all loans, all banks at the source?
Federal Reserve Board data, code STFBQD%STFBAIL_XEOP_MA.Q.