Asset Quality ranking · Delaware · Call report data as of September 30, 2026
Delaware Banks: Highest Credit Card Delinquency
TD Bank USA, N.A. has the highest credit card noncurrent rate of the 5 ranked banks headquartered in Delaware, at 2.12% as of September 30, 2026. The median among the 5 ranked Delaware banks is 1.62%, against 1.18% for all US banks.
This list ranks Delaware banks by credit card noncurrent rate. For the largest banks headquartered in Delaware, see largest banks in Delaware.
- No. 1 in Delaware
- TD Bank USA
- Its Card noncurrent
- 2.12%
- Delaware median
- 1.62%
- Banks ranked
- 5
Ranked among banks headquartered in Delaware, numbered 1 to 5 within the state from the same population as the national list. Browse every bank in the Delaware bank directory.
Top 5 Delaware banks by credit card noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the Delaware median of 1.62%. Missing values show as a dash and sort last.
| 1 | TD Bank USA, N.A. Wilmington, DE | 2.12% | $31.08B $10B to $100B |
| 2 | Santander Bank, N.A. Wilmington, DE | 2.10% | $204.02B $100B and over |
| 3 | TD Bank, N.A. Wilmington, DE | 1.62% | $341.49B $100B and over |
| 4 | Barclays Bank Delaware Wilmington, DE | 1.59% | $42.49B $10B to $100B |
| 5 | PNC Bank, N.A. Wilmington, DE | 0.92% | $622.20B $100B and over |
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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 5 banks headquartered in Delaware 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 in Delaware has the highest credit card noncurrent rate?
TD Bank USA, N.A. has the highest credit card noncurrent rate of the 5 ranked banks headquartered in Delaware, at 2.12% as of September 30, 2026, according to its FFIEC call report. Santander Bank, N.A. ranks second at 2.10%. The median is 1.62%.
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.
The same ranking in other states
Other Delaware rankings
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.
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