Utah Banks: Highest Credit Card Delinquency

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 12 banks headquartered in Utah 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.