US Bank Industry

US average nonperforming loan ratio, Q2 2026

The US banking system's nonperforming loan ratio was 0.93% in Q2 2026, for all 4,297 banks that filed a call report combined. The table below has every quarter we serve, Q2 2021 through Q2 2026 (21 quarters).

Nonaccrual loans plus loans 90 days or more past due and still accruing, as a percent of total loans, at quarter end.

US banking system, Q2 2026

0.93%

0.96% a year earlier (Q2 2025)

Banks filing, Q2 2026

4,297

US banking system

Every quarter

US nonperforming loan ratio by quarter, newest first
Quarter	US banking system	Banks filing
Q2 2026	0.93%	4,297
Q1 2026	0.98%	4,336
Q4 2025	0.96%	4,394
Q3 2025	0.95%	4,435
Q2 2025	0.96%	4,477
Q1 2025	0.98%	4,519
Q4 2024	0.98%	4,543
Q3 2024	0.95%	4,572
Q2 2024	0.91%	4,594
Q1 2024	0.91%	4,623
Q4 2023	0.86%	4,641
Q3 2023	0.82%	4,669
Q2 2023	0.76%	4,697
Q1 2023	0.76%	4,724
Q4 2022	0.74%	4,756
Q3 2022	0.72%	4,796
Q2 2022	0.75%	4,821
Q1 2022	0.84%	4,844
Q4 2021	0.89%	4,887
Q3 2021	0.94%	4,962
Q2 2021	1.01%	4,998

Download every quarter as CSV

How to cite

BankRegReports. "US bank industry nonperforming loan ratio, quarterly." Data Q2 2021 to Q2 2026. https://www.bankregreports.com/industry/npl-ratio/ (retrieved October 23, 2026).

This URL is stable: it always shows the newest quarter, and older quarters stay in the table.

How this is measured. The US banking system figure is nonperforming loans of all banks over their total loans, so a large bank counts in proportion to its size. The serving table does not carry an average-bank NPL ratio. Both cover every US bank and savings institution that filed a call report for the quarter. A quarter appears once enough banks have filed to describe the industry; until then the newest quarter shown is the one before. A median is not published here yet. Source: FFIEC Consolidated Reports of Condition and Income (call reports).

More US industry history: