Charge-off and Delinquency Rates on Loans and Leases at Commercial Banks · Delinquency rates, all banks, seasonally adjusted, end of quarter
What share of US bank loans is delinquent?
The quarter ended : of the 8 lines, the change over a year was largest for Residential real estate loans, up 0.08 percentage points, and smallest for Credit card loans, down 0.19 percentage points.
Bank delinquency rate, business and all loans, each quarter
- All loans1.421.19 to 2.13
- Commercial and industrial loans1.270.94 to 1.60
Bank delinquency rate, real estate loans, each quarter
- All real estate loans1.681.20 to 2.87
- Residential real estate loans1.861.70 to 4.58
- Commercial real estate loans1.530.63 to 1.58
Bank delinquency rate, consumer loans, each quarter
- All consumer loans2.621.52 to 2.77
- Credit card loans2.851.53 to 3.22
- Other consumer loans2.331.48 to 2.44
Each row is one line of the page over the last ten years, one quarter to a point, on a scale shared by the rows of the tab, with its newest value and its range printed beside it and a dashed line at zero. A gap is a quarter with no value. Pointing at the chart shows the quarter and the value.
Observed .
Right now
Over a year to the second quarter of 2026, of the 8 lines on this page the change was largest for Residential real estate loans, up 0.08 percentage points, and smallest for Credit card loans, down 0.19 percentage points.
Of these lines, 2 rose, 6 fell and 0 did not change over the year (ours, from the published values).
By lineOver a year, ours
Bank delinquency rate, change over a year, by line
- Business and all loans
- Real estate loans
- Consumer loans
Each bar is the change in one line over a year, the largest first, with its rank at the left and its newest value under the figure. A line with its own page links it from its name. A change below zero runs to the left of the zero line. The colour says which section of the page a line is in.
Observed .
Bank delinquency rate, change over a year in each quarter
| Line | ||||||||
|---|---|---|---|---|---|---|---|---|
| All loans | +0.17 | +0.13 | +0.09 | +0.01 | −0.04 | −0.04 | −0.06 | −0.07 |
| Commercial and industrial loans | +0.20 | +0.25 | +0.17 | +0.14 | +0.15 | +0.07 | +0.05 | −0.02 |
| All real estate loans | +0.24 | +0.23 | +0.22 | +0.11 | +0.05 | +0.04 | +0.03 | +0.01 |
| Residential real estate loans | +0.02 | +0.07 | +0.06 | +0.05 | +0.04 | +0.02 | +0.11 | +0.08 |
| Commercial real estate loans | +0.45 | +0.40 | +0.36 | +0.15 | +0.06 | +0.02 | −0.01 | −0.04 |
| All consumer loans | +0.21 | +0.14 | +0.10 | +0.03 | −0.01 | −0.13 | −0.13 | −0.13 |
| Credit card loans | +0.25 | −0.02 | −0.12 | −0.18 | −0.21 | −0.13 | −0.14 | −0.19 |
| Other consumer loans | +0.10 | +0.30 | +0.25 | +0.19 | +0.14 | −0.17 | −0.11 | −0.05 |
Each chip is one quarter's change from the same quarter a year earlier. The mark in its middle is zero: a fill to the right of it is a rise and a fill to the left a fall. A longer, brighter fill is a larger change, in five steps up to 0.25 and over. Every chip prints its figure and sign.
Observed .
Understanding bank delinquency rates
Where it stands today
The largest change over a year was Residential real estate loans, up 0.08 percentage points, in the second quarter of 2026.
What do the lines of this page measure?
The Federal Reserve Board publishes, each quarter, the delinquency rates of commercial banks by type of loan. Delinquent loans and leases are those past due thirty days or more and still accruing interest, plus those in nonaccrual status. A delinquency rate is the share of the loans of that type that are delinquent at the end of the quarter.
Read more
This page shows the rates for all commercial banks together, seasonally adjusted: all loans, commercial and industrial loans, real estate loans and their residential and commercial parts, and consumer loans with the credit card loans and the other consumer loans. The release has no separate line for automobile loans, which are inside the other consumer loans. The credit card loans have a page of their own.
What 500metrics adds: the change over a year of every line in percentage points, ranked across the page; the last ten years of every line as rows of small charts; and a table of the change over a year in each of the last eight quarters.
The numbers behind the chart
What is the latest value of each line?8 lines, in the sections of the page
| Line | Section | Quarter | Value | Change over a year | Rank |
|---|---|---|---|---|---|
| All loans | Business and all loans | 1.42% | −0.07 pts | 6 | |
| Commercial and industrial loans | Business and all loans | 1.27% | −0.02 pts | 3 | |
| All real estate loans | Real estate loans | 1.68% | +0.01 pts | 2 | |
| Residential real estate loans | Real estate loans | 1.86% | +0.08 pts | 1 | |
| Commercial real estate loans | Real estate loans | 1.53% | −0.04 pts | 4 | |
| All consumer loans | Consumer loans | 2.62% | −0.13 pts | 7 | |
| Credit card loans | Consumer loans | 2.85% | −0.19 pts | 8 | |
| Other consumer loans | Consumer loans | 2.33% | −0.05 pts | 5 |
The table scrolls sideways; the first column stays in place.
What do these figures leave out, and how are they cited?Limits, dates and how to cite
What this number cannot tell you
- The rates rest on the reports that commercial banks file with their regulators each quarter. The Board revises past quarters in later releases; this page always shows the newest release.
- A rate is a share of its own type of loan, so the lines are not parts of one another's total and cannot be added.
- The residential and commercial real estate lines count loans booked in domestic offices only; the other lines count all of the banks' loans of the type.
- The release has more lines than this page shows: agricultural loans, farmland loans and leases, and the rates for the 100 largest banks and for the other banks, with the amounts the rates are worked out from.
- The Board prints each rate to two decimal places, and some lines begin later than others: the residential and commercial real estate lines and the credit card and other consumer loans in 1991, the others in 1985 or 1987.
- The changes and the ranks are ours, worked out from the values the Board publishes; a change is in percentage points.
Observed . Checked .
How to cite this
Federal Reserve Board, Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks, Delinquency rates, all banks, seasonally adjusted, end of quarter, through the second quarter of 2026. Compiled by 500metrics, "What share of US bank loans is delinquent?", https://500metrics.com/bank-delinquency-rates.
Can the data be downloaded?bank-delinquency-rates.csv
Download the last ten years of every line as CSV: 328 rows, to , 19,477 bytes.
Our text and compilation: CC BY 4.0.
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