The Pitney Bowes Bank Inc.: 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.
Net charge-off ratio climbed 1.08 percentage points in Q2 2026, from 1.22% to 2.30%. It was the largest change from Q1 2026 among the key lines here.
Modified loans
| Line item | Q2 2026 |
|---|---|
| Modified loans and leases | $1.3M |
| Modified loans to total loans | 0.28% |
| Non-performing assets excluding restructured loans, to assets | 0.26% |
Read against the non-performing book
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to total loans | 0.72% |
| Nonaccrual loans to loans | 0.44% |
| Loans 90+ days past due to loans | 0.00% |
| Net charge-off ratio | 2.30% |
| Allowance for credit losses to loans | 1.67% |
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 | 1.24% | 1.75% | 0.79% |
| Q4 2023 | 1.09% | 1.50% | 1.86% |
| Q1 2024 | 1.26% | 1.70% | 1.01% |
| Q2 2024 | 1.22% | 1.63% | 1.39% |
| Q3 2024 | 0.97% | 1.47% | 1.58% |
| Q4 2024 | 0.88% | 1.27% | 2.44% |
| Q1 2025 | 1.30% | 1.68% | 1.48% |
| Q2 2025 | 0.35% | 0.77% | 1.20% |
| Q3 2025 | 0.32% | 0.68% | 0.91% |
| Q4 2025 | 0.30% | 0.68% | 1.24% |
| Q1 2026 | 0.29% | 0.74% | 1.22% |
| Q2 2026 | 0.28% | 0.72% | 2.30% |
The Pitney Bowes Bank Inc. loan modifications and restructuring, all the way back
Loan Modifications and Restructuring back to 2001 · peer percentiles on every line item · Excel export
Unlock The Pitney Bowes Bank Inc., 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 The Pitney Bowes Bank Inc. profile, peer group comparison, or how this data updates.
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