Bank 21: Non-Performing Loans Ratio
Data as of · sourced from FFIEC call reports. How we update
Bank 21 reported a non-performing loans ratio of 0.05% as of Q2 2026, ranking #3,027 of 3,644 U.S. banks (17th percentile). That is unchanged from a year earlier, and below the 0.41% median of the 1,875 Small Community Banks ($100M–$500M in assets). The NPL ratio is nonaccrual loans plus loans 90 or more days past due and still accruing, divided by total loans: the FDIC noncurrent loan ratio. Loans modified for borrowers in financial difficulty that pay under their new terms are not counted.
12-Quarter Trend
National Context
What is the Non-Performing Loans Ratio?
A non-performing loan (NPL) is a loan whose borrower has stopped paying as agreed: the bank has put it on nonaccrual because full collection is doubtful, or it is 90 or more days past due. The NPL ratio divides those loans by total loans. Regulators call them noncurrent loans.
Compare the NPL ratio with the allowance for credit losses: an allowance smaller than the NPL balance leaves less room for losses on loans already in trouble. Then find which loan type is driving it, because a jump in construction or office loans means more than one in guaranteed loans. A single large commercial loan can move a small bank's ratio by a full percentage point, so read the trend over several quarters.
Full definition & formula →Frequently asked questions
What is Bank 21's Non-Performing Loans Ratio?
Bank 21's Non-Performing Loans Ratio was 0.05% as of Q2 2026, ranking #3027 of 3,644 U.S. banks.
What is the Non-Performing Loans Ratio?
A non-performing loan (NPL) is a loan whose borrower has stopped paying as agreed: the bank has put it on nonaccrual because full collection is doubtful, or it is 90 or more days past due. The NPL ratio divides those loans by total loans. Regulators call them noncurrent loans.
More Bank 21 metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Bank 21 profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 8560) · FFIEC NIC profile (RSSD 634544)