Delinquency Rates
The delinquency rate shows the share of outstanding loan and lease balances that are at least 30 days past due or have been placed in nonaccrual status. Put more simply, a 1.42% rate means that $1.42 of every $100 in outstanding balances is delinquent. The dashboard uses quarterly, seasonally adjusted Federal Reserve data.
Historically, rates around 1%–2% have represented relatively low levels of delinquency for total loans and leases, especially compared with the 7.35% peak reached in the first quarter of 2010. What qualifies as “high” or “low,” however, varies considerably by loan category.
Delinquency rates are worth watching because they can provide an early glimpse of financial stress building beneath the surface. As more borrowers fall behind, banks face a greater risk of losses and tighter credit conditions can follow. A low rate generally points to healthy household and business finances; a sustained rise can be an early warning that something in the credit system is beginning to strain.
Quarterly Data
Delinquency rates by loan category
| Total loans & leases | Total loans QoQ change | Real estate loans | Consumer loans | |
|---|---|---|---|---|
| 2026 Q2, latest quarter | 1.42 | −2.1% | 1.68 | 2.62 |
| 2026 Q1 | 1.45 | −0.7% | 1.70 | 2.64 |
| 2025 Q4 | 1.46 | 0.0% | 1.68 | 2.63 |
| 2025 Q3 | 1.46 | −2.0% | 1.66 | 2.72 |
| 2025 Q2 | 1.49 | −1.3% | 1.67 | 2.75 |
| 2025 Q1 | 1.51 | +0.7% | 1.67 | 2.77 |
| 2024 Q4 | 1.50 | 0.0% | 1.64 | 2.76 |
| 2024 Q3 | 1.50 | +1.4% | 1.61 | 2.73 |
| 2024 Q2 | 1.48 | +4.2% | 1.56 | 2.72 |
| 2024 Q1 | 1.42 | +3.6% | 1.45 | 2.67 |
| 2023 Q4 | 1.37 | +3.0% | 1.41 | 2.62 |
| 2023 Q3 | 1.33 | +6.4% | 1.37 | 2.52 |
| 2023 Q2 | 1.25 | +4.2% | 1.27 | 2.37 |
| 2023 Q1 | 1.20 | +0.8% | 1.23 | 2.22 |
| 2022 Q4 | 1.19 | 0.0% | 1.21 | 2.07 |
| 2022 Q3 | 1.19 | −2.5% | 1.20 | 1.92 |
| 2022 Q2 | 1.22 | −0.8% | 1.32 | 1.80 |
| 2022 Q1 | 1.23 | −1.6% | 1.41 | 1.65 |
| 2021 Q4 | 1.25 | −2.3% | 1.49 | 1.55 |
| 2021 Q3 | 1.28 | −5.2% | 1.57 | 1.52 |
| 2021 Q2 | 1.35 | −7.5% | 1.69 | 1.53 |
| 2021 Q1 | 1.46 | −7.0% | 1.82 | 1.69 |
| 2020 Q4 | 1.57 | −0.6% | 1.94 | 1.94 |
| 2020 Q3 | 1.58 | +3.3% | 1.93 | 1.81 |
| 2020 Q2 | 1.53 | +2.7% | 1.76 | 2.00 |
| 2020 Q1 | 1.49 | +5.7% | 1.64 | 2.46 |
| 2019 Q4 | 1.41 | −2.8% | 1.52 | 2.35 |
| 2019 Q3 | 1.45 | −2.7% | 1.59 | 2.33 |
| 2019 Q2 | 1.49 | −2.0% | 1.68 | 2.35 |
| 2019 Q1 | 1.52 | +0.7% | 1.74 | 2.32 |
| 2018 Q4 | 1.51 | −4.4% | 1.80 | 2.34 |
| 2018 Q3 | 1.58 | −3.7% | 1.92 | 2.30 |
| 2018 Q2 | 1.64 | −3.5% | 2.02 | 2.25 |
| 2018 Q1 | 1.70 | −4.0% | 2.14 | 2.27 |
| 2017 Q4 | 1.77 | −2.2% | 2.25 | 2.25 |
| 2017 Q3 | 1.81 | −1.1% | 2.27 | 2.27 |
| 2017 Q2 | 1.83 | −4.7% | 2.29 | 2.22 |
| 2017 Q1 | 1.92 | −4.5% | 2.42 | 2.17 |
| 2016 Q4 | 2.01 | −2.0% | 2.59 | 2.16 |
| 2016 Q3 | 2.05 | −3.8% | 2.69 | 2.07 |
| 2016 Q2 | 2.13 | −1.4% | 2.87 | 2.05 |
| 2016 Q1 | 2.16 | −0.5% | 3.03 | 1.99 |
| 2015 Q4 | 2.17 | −4.0% | 3.25 | 2.01 |
| 2015 Q3 | 2.26 | −4.6% | 3.47 | 2.00 |
| 2015 Q2 | 2.37 | −4.0% | 3.74 | 1.98 |
| 2015 Q1 | 2.47 | −7.8% | 3.99 | 2.01 |
| 2014 Q4 | 2.68 | −6.9% | 4.32 | 2.09 |
| 2014 Q3 | 2.88 | −5.9% | 4.67 | 2.20 |
| 2014 Q2 | 3.06 | −6.7% | 4.99 | 2.27 |
| 2014 Q1 | 3.28 | −6.0% | 5.34 | 2.32 |
| 2013 Q4 | 3.49 | −6.7% | 5.70 | 2.37 |
| 2013 Q3 | 3.74 | −9.0% | 6.13 | 2.40 |
| 2013 Q2 | 4.11 | −5.9% | 6.75 | 2.48 |
| 2013 Q1 | 4.37 | −5.4% | 7.16 | 2.56 |
| 2012 Q4 | 4.62 | −7.6% | 7.54 | 2.63 |
| 2012 Q3 | 5.00 | −1.8% | 8.13 | 2.78 |
| 2012 Q2 | 5.09 | −2.9% | 8.13 | 2.84 |
| 2012 Q1 | 5.24 | −3.3% | 8.24 | 2.93 |
| 2011 Q4 | 5.42 | −4.2% | 8.47 | 3.07 |
| 2011 Q3 | 5.66 | −4.6% | 8.71 | 3.13 |
| 2011 Q2 | 5.93 | −3.7% | 8.97 | 3.27 |
| 2011 Q1 | 6.16 | −2.8% | 9.08 | 3.43 |
| 2010 Q4 | 6.34 | −7.4% | 9.11 | 3.63 |
| 2010 Q3 | 6.85 | −4.3% | 9.70 | 4.00 |
| 2010 Q2 | 7.16 | −2.6% | 9.96 | 4.25 |
| 2010 Q1 | 7.35 | +1.4% | 10.02 | 4.72 |
| 2009 Q4 | 7.25 | +5.4% | 9.58 | 4.59 |
| 2009 Q3 | 6.88 | +8.7% | 8.95 | 4.70 |
| 2009 Q2 | 6.33 | +13.2% | 8.15 | 4.85 |
| 2009 Q1 | 5.59 | +18.9% | 7.18 | 4.67 |
| 2008 Q4 | 4.70 | +27.0% | 6.04 | 4.27 |
| 2008 Q3 | 3.70 | +12.1% | 4.87 | 3.71 |
| 2008 Q2 | 3.30 | +15.4% | 4.20 | 3.56 |
| 2008 Q1 | 2.86 | +15.8% | 3.55 | 3.49 |
| 2007 Q4 | 2.47 | +16.0% | 2.91 | 3.40 |
| 2007 Q3 | 2.13 | +14.5% | 2.39 | 3.20 |
| 2007 Q2 | 1.86 | +7.5% | 2.00 | 2.99 |
| 2007 Q1 | 1.73 | +2.4% | 1.77 | 2.93 |
| 2006 Q4 | 1.69 | +7.0% | 1.70 | 2.94 |
| 2006 Q3 | 1.58 | +4.6% | 1.49 | 2.96 |
| 2006 Q2 | 1.51 | +0.7% | 1.38 | 2.92 |
| 2006 Q1 | 1.50 | −2.0% | 1.36 | 2.78 |
| 2005 Q4 | 1.53 | −1.3% | 1.41 | 2.69 |
| 2005 Q3 | 1.55 | −0.6% | 1.38 | 2.80 |
| 2005 Q2 | 1.56 | −1.3% | 1.37 | 2.85 |
| 2005 Q1 | 1.58 | −2.5% | 1.34 | 2.91 |
| 2004 Q4 | 1.62 | −5.8% | 1.30 | 3.03 |
| 2004 Q3 | 1.72 | −5.0% | 1.44 | 3.05 |
| 2004 Q2 | 1.81 | −5.2% | 1.49 | 3.10 |
| 2004 Q1 | 1.91 | −9.0% | 1.53 | 3.13 |
| 2003 Q4 | 2.10 | −3.2% | 1.66 | 3.28 |
| 2003 Q3 | 2.17 | −8.4% | 1.67 | 3.10 |
| 2003 Q2 | 2.37 | −4.4% | 1.80 | 3.31 |
| 2003 Q1 | 2.48 | −1.6% | 1.91 | 3.42 |
| 2002 Q4 | 2.52 | −3.4% | 1.86 | 3.45 |
| 2002 Q3 | 2.61 | −2.6% | 1.98 | 3.49 |
| 2002 Q2 | 2.68 | 0.0% | 2.04 | 3.51 |
| 2002 Q1 | 2.68 | 0.0% | 2.10 | 3.60 |
| 2001 Q4 | 2.68 | −0.4% | 2.16 | 3.64 |
| 2001 Q3 | 2.69 | +6.3% | 2.17 | 3.72 |
| 2001 Q2 | 2.53 | +5.9% | 2.17 | 3.68 |
| 2001 Q1 | 2.39 | +3.5% | 2.04 | 3.63 |
| 2000 Q4 | 2.31 | +6.5% | 1.96 | 3.63 |
| 2000 Q3 | 2.17 | +2.4% | 1.88 | 3.56 |
| 2000 Q2 | 2.12 | +3.4% | 1.81 | 3.53 |
| 2000 Q1 | 2.05 | +1.5% | 1.82 | 3.47 |
| 1999 Q4 | 2.02 | −6.5% | 1.79 | 3.51 |
| 1999 Q3 | 2.16 | +1.4% | 1.97 | 3.55 |
| 1999 Q2 | 2.13 | −1.4% | 1.93 | 3.62 |
| 1999 Q1 | 2.16 | −0.5% | 1.97 | 3.78 |
| 1998 Q4 | 2.17 | +0.9% | 2.07 | 3.72 |
| 1998 Q3 | 2.15 | −0.5% | 2.11 | 3.76 |
| 1998 Q2 | 2.16 | −2.3% | 2.13 | 3.77 |
| 1998 Q1 | 2.21 | −0.9% | 2.20 | 3.74 |
| 1997 Q4 | 2.23 | −0.4% | 2.25 | 3.75 |
| 1997 Q3 | 2.24 | −2.6% | 2.27 | 3.71 |
| 1997 Q2 | 2.30 | −2.5% | 2.35 | 3.76 |
| 1997 Q1 | 2.36 | −1.3% | 2.45 | 3.75 |
| 1996 Q4 | 2.39 | −1.2% | 2.54 | 3.69 |
| 1996 Q3 | 2.42 | −1.6% | 2.61 | 3.62 |
| 1996 Q2 | 2.46 | +1.7% | 2.67 | 3.49 |
| 1996 Q1 | 2.42 | −1.6% | 2.69 | 3.34 |
| 1995 Q4 | 2.46 | −1.2% | 2.73 | 3.30 |
| 1995 Q3 | 2.49 | 0.0% | 2.87 | 3.19 |
| 1995 Q2 | 2.49 | −1.2% | 2.94 | 3.00 |
| 1995 Q1 | 2.52 | +0.4% | 3.04 | 2.87 |
| 1994 Q4 | 2.51 | −5.3% | 2.99 | 2.74 |
| 1994 Q3 | 2.65 | −7.3% | 3.28 | 2.71 |
| 1994 Q2 | 2.86 | −8.9% | 3.62 | 2.76 |
| 1994 Q1 | 3.14 | −6.5% | 3.96 | 2.88 |
| 1993 Q4 | 3.36 | −12.3% | 4.20 | 2.98 |
| 1993 Q3 | 3.83 | −7.9% | 4.75 | 3.20 |
| 1993 Q2 | 4.16 | −6.9% | 5.14 | 3.39 |
| 1993 Q1 | 4.47 | −6.9% | 5.45 | 3.49 |
| 1992 Q4 | 4.80 | −7.0% | 5.82 | 3.55 |
| 1992 Q3 | 5.16 | −3.9% | 6.28 | 3.71 |
| 1992 Q2 | 5.37 | −2.5% | 6.55 | 3.84 |
| 1992 Q1 | 5.51 | −4.7% | 6.70 | 3.96 |
| 1991 Q4 | 5.78 | −2.5% | 7.00 | 4.10 |
| 1991 Q3 | 5.93 | −2.9% | 7.19 | 4.17 |
| 1991 Q2 | 6.11 | +1.0% | 7.38 | 4.21 |
| 1991 Q1 | 6.05 | +1.0% | 7.33 | 4.12 |
| 1990 Q4 | 5.99 | +11.5% | 7.05 | 4.01 |
| 1990 Q3 | 5.37 | +5.7% | 6.08 | 3.81 |
| 1990 Q2 | 5.08 | +1.0% | 5.66 | 3.61 |
| 1990 Q1 | 5.03 | +1.8% | 5.35 | 3.60 |
| 1989 Q4 | 4.94 | −2.2% | 5.08 | 3.58 |
| 1989 Q3 | 5.05 | +1.2% | 4.95 | 3.57 |
| 1989 Q2 | 4.99 | +1.2% | 4.76 | 3.52 |
| 1989 Q1 | 4.93 | +5.6% | 4.76 | 3.43 |
| 1988 Q4 | 4.67 | −7.7% | 4.38 | 3.30 |
| 1988 Q3 | 5.06 | +0.4% | 4.74 | 3.24 |
| 1988 Q2 | 5.04 | −1.8% | 4.83 | 3.26 |
| 1988 Q1 | 5.13 | −3.6% | 4.85 | 3.27 |
| 1987 Q4 | 5.32 | 0.0% | 4.84 | 3.31 |
| 1987 Q3 | 5.32 | −2.9% | 4.71 | 3.29 |
| 1987 Q2 | 5.48 | −2.8% | 4.77 | 3.28 |
| 1987 Q1 | 5.64 | — | 4.95 | 3.35 |
Yearly Averages
Total loans and leases
Calendar-year averages · 2026 includes Q1–Q2 only
Year-over-Year Change
Change in the annual average delinquency rate
Positive = rising delinquency · Negative = falling delinquency
About this indicator & methodology
What the rate measures. The Federal Reserve measures delinquent balances as a percentage of end-of-quarter loans and leases at insured U.S.-chartered commercial banks. This is a share of dollar balances, rather than a count of borrowers or loans. Loans are delinquent when they are at least 30 days past due and still accruing interest, or are in nonaccrual status.
How changes are calculated. Quarterly change compares a rate with the previous quarter; the headline year-over-year figure compares it with the same quarter one year earlier. These are relative percentage changes. For example, a decline from 1.45% to 1.42% is a 2.1% relative decline and a 0.03 percentage-point decline.
Annual charts. Each point is the simple average of available quarterly rates. An incomplete year is compared with the same quarters in the preceding year. The dashboard uses the shared history of these three categories, beginning in 1987. Table colors show lower to higher rates, and are not a risk rating.
Data updates. The page checks the Federal Reserve release when opened. If the source cannot be reached, it retains the saved release and displays its release date. The Federal Reserve may revise earlier figures. Read the source methodology.