Asset Quality ranking · Call report data as of September 30, 2026
US Banks with Highest Credit Card Delinquency
Lead Bank has the highest credit card noncurrent rate of any ranked US bank, at 6.44% as of September 30, 2026. The median across the 76 ranked US banks is 1.18%. That top value sits far outside the middle half of ranked banks (0.67% to 1.82%). A rate this far from the middle usually comes from a few large problem loans or from lending to borrowers with lower credit scores, so read it beside the bank's dollar amounts and its trend.
- No. 1 bank
- Lead Bank
- Its Card noncurrent
- 6.44%
- US median
- 1.18%
- Banks ranked
- 76
Top 76 US banks by credit card noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the US median of 1.18%. Missing values show as a dash and sort last.
| 1 | Lead Bank Kansas City, MO | 6.44% | $3.08B $1B to $10B |
| 2 | Coastal Community Bank Everett, WA | 5.25% | $5.27B $1B to $10B |
| 3 | Merrick Bank South Jordan, UT | 4.78% | $9.26B $1B to $10B |
| 4 | Comenity Capital Bank Draper, UT | 3.65% | $14.45B $10B to $100B |
| 5 | 1st Financial Bank USA Dakota Dunes, SD | 3.62% | $1.39B $1B to $10B |
| 6 | Credit One Bank, N.A. Las Vegas, NV | 3.50% | $2.67B $1B to $10B |
| 7 | First Savings Bank Beresford, SD | 2.84% | $1.62B $1B to $10B |
| 8 | First National Bank Fort Pierre, SD | 2.83% | $2.09B $1B to $10B |
| 9 | First National Bank Oldham, SD | 2.72% | $595.6M $100M to $1B |
| 10 | SoFi Bank, N.A. Cottonwood Heights, UT | 2.68% | $63.54B $10B to $100B |
| 11 | Fifth Third Bank, N.A. Cincinnati, OH | 2.67% | $300.34B $100B and over |
| 12 | Liberty Bank Middletown, CT | 2.28% | $9.73B $1B to $10B |
| 13 | Capital Bank, N.A. Rockville, MD | 2.24% | $3.76B $1B to $10B |
| 14 | Synchrony Bank Draper, UT | 2.19% | $115.97B $100B and over |
| 15 | Capital One, N.A. McLean, VA | 2.17% | $661.46B $100B and over |
| 16 | TD Bank USA, N.A. Wilmington, DE | 2.12% | $31.08B $10B to $100B |
| 17 | Santander Bank, N.A. Wilmington, DE | 2.10% | $204.02B $100B and over |
| 18 | Banco Popular de Puerto Rico San Juan, PR | 1.90% | $61.91B $10B to $100B |
| 19 | FirstBank Puerto Rico San Juan, PR | 1.85% | $19.23B $10B to $100B |
| 20 | Goldman Sachs Bank USA New York, NY | 1.81% | $789.72B $100B and over |
| 21 | Oriental Bank San Juan, PR | 1.79% | $12.04B $10B to $100B |
| 22 | UMB Bank, N.A. Kansas City, MO | 1.75% | $72.36B $10B to $100B |
| 23 | RBC Bank (Georgia), N.A. Atlanta, GA | 1.73% | $11.90B $10B to $100B |
| 24 | KeyBank N.A. Cleveland, OH | 1.66% | $190.15B $100B and over |
| 25 | USAA Federal Savings Bank Phoenix, AZ | 1.65% | $103.86B $100B and over |
| 26 | TD Bank, N.A. Wilmington, DE | 1.62% | $341.49B $100B and over |
| 27 | Arvest Bank Fayetteville, AR | 1.62% | $27.98B $10B to $100B |
| 28 | Barclays Bank Delaware Wilmington, DE | 1.59% | $42.49B $10B to $100B |
| 29 | Commerce Bank Kansas City, MO | 1.46% | $34.64B $10B to $100B |
| 30 | Farm Bureau Bank FSB Reno, NV | 1.46% | $1.04B $1B to $10B |
| 31 | Truist Bank Charlotte, NC | 1.42% | $546.61B $100B and over |
| 32 | Regions Bank Birmingham, AL | 1.39% | $161.17B $100B and over |
| 33 | Citibank, N.A. Sioux Falls, SD | 1.36% | $2.02T $100B and over |
| 34 | TCM Bank, N.A. Tampa, FL | 1.36% | $377.7M $100M to $1B |
| 35 | BMO Bank N.A. Chicago, IL | 1.35% | $253.08B $100B and over |
| 36 | Wells Fargo Bank, N.A. Sioux Falls, SD | 1.31% | $1.91T $100B and over |
| 37 | First National Bank of Omaha Omaha, NE | 1.23% | $34.66B $10B to $100B |
| 38 | First Financial Bank Cincinnati, OH | 1.21% | $22.22B $10B to $100B |
| 39 | Northwest Bank Warren, PA | 1.15% | $17.31B $10B to $100B |
| 40 | Bank of America, N.A. Charlotte, NC | 1.13% | $2.66T $100B and over |
| 41 | U.S. Bank N.A. Cincinnati, OH | 1.12% | $685.33B $100B and over |
| 42 | Dollar Bank, Federal Savings Bank Pittsburgh, PA | 1.09% | $12.70B $10B to $100B |
| 43 | Pinnacle Bank Nashville, TN | 1.04% | $130.42B $100B and over |
| 44 | HSBC Bank USA, N.A. Tysons, VA | 1.03% | $163.38B $100B and over |
| 45 | Manufacturers and Traders Trust Company Buffalo, NY | 1.00% | $219.99B $100B and over |
| 46 | First Arkansas Bank and Trust Jacksonville, AR | 0.96% | $1.13B $1B to $10B |
| 47 | Associated Bank, N.A. Green Bay, WI | 0.95% | $51.34B $10B to $100B |
| 48 | JPMorgan Chase Bank, N.A. Columbus, OH | 0.94% | $4.17T $100B and over |
| 49 | Citizens Bank, N.A. Providence, RI | 0.94% | $233.59B $100B and over |
| 50 | PNC Bank, N.A. Wilmington, DE | 0.92% | $622.20B $100B and over |
| 51 | Zions Bancorporation, N.A. Salt Lake City, UT | 0.87% | $90.92B $10B to $100B |
| 52 | Ameriprise Bank, FSB Minneapolis, MN | 0.87% | $24.69B $10B to $100B |
| 53 | Hancock Whitney Bank Gulfport, MS | 0.85% | $38.57B $10B to $100B |
| 54 | Simmons Bank Pine Bluff, AR | 0.77% | $24.03B $10B to $100B |
| 55 | First Hawaiian Bank Honolulu, HI | 0.73% | $23.77B $10B to $100B |
| 56 | First-Citizens Bank & Trust Company Raleigh, NC | 0.71% | $240.76B $100B and over |
| 57 | First Bank Southern Pines, NC | 0.68% | $13.14B $10B to $100B |
| 58 | TIB, N.A. Farmers Branch, TX | 0.63% | $3.02B $1B to $10B |
| 59 | American Express National Bank Sandy, UT | 0.62% | $212.67B $100B and over |
| 60 | Trustmark Bank Jackson, MS | 0.60% | $19.11B $10B to $100B |
| 61 | The Huntington National Bank Columbus, OH | 0.50% | $287.08B $100B and over |
| 62 | City National Bank Los Angeles, CA | 0.48% | $101.83B $100B and over |
| 63 | John Deere Financial, F.S.B. Middleton, WI | 0.41% | $5.15B $1B to $10B |
| 64 | First Horizon Bank Memphis, TN | 0.39% | $84.02B $10B to $100B |
| 65 | The Central Trust Bank Jefferson City, MO | 0.30% | $20.23B $10B to $100B |
| 66 | UBS Bank USA, N.A. Salt Lake City, UT | 0.18% | $127.28B $100B and over |
| 67 | First Bank & Trust Brookings, SD | 0.02% | $4.80B $1B to $10B |
| 68 | The Bancorp Bank N.A. Sioux Falls, SD | 0.00% | $9.42B $1B to $10B |
| 69 | The Bank of Missouri Perryville, MO | 0.00% | $4.25B $1B to $10B |
| 70 | Stride Bank, N.A. Enid, OK | 0.00% | $3.60B $1B to $10B |
| 71 | WebBank Salt Lake City, UT | 0.00% | $2.85B $1B to $10B |
| 72 | Column N.A. Salt Lake City, UT | 0.00% | $2.30B $1B to $10B |
| 73 | Transportation Alliance Bank, Inc. dba Tab Bank Ogden, UT | 0.00% | $1.54B $1B to $10B |
| 74 | Evolve Bank & Trust West Memphis, AR | 0.00% | $1.20B $1B to $10B |
| 75 | Finwise Bank Murray, UT | 0.00% | $928.2M $100M to $1B |
| 76 | Varo Bank, N.A. Draper, UT | 0.00% | $347.6M $100M to $1B |
Screen every US bank by size, capital, credit and earnings in the screener. Free account, no card. Open the screener →
Definition and formula
The credit card noncurrent rate is the share of a bank's credit card loans that are 90 or more days past due and still accruing, or on nonaccrual. Card issuers usually keep accruing interest until they charge a balance off, so most of the rate is the 90 or more days past due bucket.
Credit card noncurrent rate = (Credit card loans 90+ days past due and still accruing + Credit card loans on nonaccrual) / Credit card loans
The glossary entry for Credit Card Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 76 banks that meet every rule below, using each bank's latest FFIEC call report (data as of September 30, 2026).
- Banks with at least $100M in total assets, so a ratio on a very small balance sheet cannot lead the list.
- Banks with at least $25M in credit card loans, so a rate on a few loans cannot lead the list.
- Lending institutions only: charters with loans under 5% of assets, mostly trust and custody banks, are not ranked.
- Charters the regulator has closed, merged or converted are excluded.
- Each bank charter ranks on its own; holding companies are not combined.
What moves the credit card noncurrent rate
Card delinquency rises when household budgets tighten: higher prices, job losses and thinner savings all push it up. Issuers that lend to borrowers with lower credit scores, including store card and partner programs, run structurally higher rates. A card balance is charged off once it is 180 days past due, so a bank that writes off sooner or sells late-stage accounts shows a lower rate for the same borrowers.
Frequently asked questions
Which bank has the highest credit card noncurrent rate?
Lead Bank has the highest credit card noncurrent rate of any ranked US bank, at 6.44% as of September 30, 2026, according to its FFIEC call report. Coastal Community Bank ranks second at 5.25%. The median is 1.18%.
What is the median credit card noncurrent rate among ranked US banks?
As of Q3 2026, credit card noncurrent rate for the middle half of the 76 ranked US banks ran from 0.67% to 1.82%, and the median was 1.18%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Credit Card Loans glossary entry.
How is the credit card noncurrent rate calculated?
Credit card noncurrent rate = (Credit card loans 90+ days past due and still accruing + Credit card loans on nonaccrual) / Credit card loans. Each bank charter is ranked on its own; holding companies are not combined. See the Credit Card Loans glossary entry.
Banks with Highest Credit Card Delinquency by state
More asset quality rankings
Source: FFIEC call reports for the quarter ended September 30, 2026, refreshed as each quarter's filings are processed. See data updates for the current freshness window. Next update: Q4 2026 Call Reports are due February 1, 2027; we expect them on the platform by mid-February 2027.
All bank rankings · Bank metrics glossary · List of all US banks