Barclays Bank Delaware: Loan Modifications and Restructuring
Data as of · Call Report Schedules RC-C Memoranda and RC-N How we update
Loans whose terms were changed for a borrower in financial difficulty. Modification postpones a loss rather than removing it, so a modified book growing faster than the non-performing book is worth reading as an early signal rather than a clean bill of health.
The standout move of Q2 2026 was in Allowance for credit losses to loans: 1.46 percentage points higher than in Q1 2026, at 8.92%.
Modified loans
| Line item | Q2 2026 |
|---|---|
| Modified loans and leases | $297.0M |
| Modified loans to total loans | 1.00% |
| Non-performing assets excluding restructured loans, to assets | 0.08% |
Read against the non-performing book
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to total loans | 1.13% |
| Nonaccrual loans to loans | 0.12% |
| Loans 90+ days past due to loans | 1.55% |
| Net charge-off ratio | 4.72% |
| Allowance for credit losses to loans | 8.92% |
Shown side by side so the modified share can be compared with recognised non-performing loans and with what has already been charged off.
Loan Modifications and Restructuring trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
A modified share rising while the non-performing share stays flat is the pattern worth investigating.
Loan Modifications and Restructuring by quarter
| Quarter | Modified loans | Non-performing loans | Net charge-offs |
|---|---|---|---|
| Q3 2023 | 0.68% | 0.77% | 3.51% |
| Q4 2023 | 0.56% | 0.64% | 3.95% |
| Q1 2024 | 0.69% | 0.79% | 5.84% |
| Q2 2024 | 0.76% | 0.87% | 4.78% |
| Q3 2024 | 0.76% | 0.87% | 3.89% |
| Q4 2024 | 0.75% | 0.84% | 4.21% |
| Q1 2025 | 1.06% | 1.18% | 4.08% |
| Q2 2025 | 0.87% | 1.00% | 3.71% |
| Q3 2025 | 0.83% | 0.95% | 3.42% |
| Q4 2025 | 0.74% | 0.86% | 3.43% |
| Q1 2026 | 0.78% | 0.91% | 3.74% |
| Q2 2026 | 1.00% | 1.13% | 4.72% |
Barclays Bank Delaware loan modifications and restructuring, all the way back
Loan Modifications and Restructuring back to 2001 · peer percentiles on every line item · Excel export
Unlock Barclays Bank Delaware, freeSource: Call Report Schedules RC-C Memoranda and RC-N, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Barclays Bank Delaware profile, peer group comparison, or how this data updates.
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