How is Domestic secured CRE noncurrent ratio calculated?

RC-N RCON(F175+F177+3500+3501+F180+F182+F181+F183) / RC-C I RCON(F159+1460+F160+F161). Null policy: abstain if missing.

What source schedule does Domestic secured CRE noncurrent ratio come from?

RCN, per official FFIEC Call Report instructions.

Is a higher value better?

Higher or lower is not good or bad on its own: it depends on the bank's business model, size and market, so compare a bank with similar institutions.

How often does this metric update?

Quarterly. Banks file Call Reports about 30 days after each quarter ends, and the figures here update when that data is loaded.

Asset quality · Versioned metric research

Domestic secured CRE noncurrent ratio

Domestic property-secured selected CRE; 90+ days accruing plus nonaccrual; excludes F158. Quarter-end reported balances. Source evidence: metric-source-contract-validation.json SHA256 38fdaa264d855efba9eacd852269d1d5ed33a76f4620c7726d21828dfb5e9a7d Open official FFIEC instructions ↗

In plain English

Domestic secured CRE noncurrent ratio: what it shows

Domestic secured commercial real estate loans that are 90 or more days past due or on nonaccrual, divided by the same selected CRE loan categories.

Where reporting institutions stand now

As of Q2 2026, 4,156 banks reported a verified value for domestic secured cre noncurrent ratio. The median was 0.07%, the middle half of them fell between 0.00% and 0.89%, and the range from the 10th to the 90th percentile ran 0.00% to 2.84%.

Over the last four quarters the median moved from 0.61% in Q2 2025 to 0.07%, down 0.54 percentage points.

Across the 42 quarters on record, from Q1 2016, the median has ranged from 0.07% (Q2 2026) to 0.63% (Q1 2025).

Why it matters

It shows how much of a bank's CRE book has stopped performing. Noncurrent CRE loans are an early look at the loan losses that follow.

How to read it

Read it with the CRE-to-capital multiple: high concentration with low noncurrent loans is a benign reading today, while the same concentration with rising noncurrent loans is a warning.

What to watch for

Noncurrent status lags the underlying problem, because loans are reclassified only after payments are missed. The ratio can fall if a bank works out or sells problem loans.

Common questions

Is a higher value better?: Higher or lower is not good or bad on its own: it depends on the bank's business model, size and market, so compare a bank with similar institutions.
How often does this metric update?: Quarterly. Banks file Call Reports about 30 days after each quarter ends, and the figures here update when that data is loaded.

v3 definition42 quarters4156 current observationsRATIO unit

Calculation contract

`RC-N RCON(F175+F177+3500+3501+F180+F182+F181+F183) / RC-C I RCON(F159+1460+F160+F161)`

Source schedule: RCN

Null policy: abstain if missing

Effective: 2016-03-31 to 2026-06-30

How every metric is acquired, derived, and validated →

Definition history

Earlier versions of this metric

Each version is a distinct, dated definition — values are never silently recomputed under an older definition.

v2 · 2016-03-31 to 2026-06-30: RC-N RCON(F175+F177+3500+3501+F180+F182+F181+F183) / RC-C I RCON(F159+1460+F160+F161)Null policy: abstain if missing
v1 · 2016-01-01 to superseded: (RC-N 6559 + 6560) / (RC-C F159 + 1460 + F160 + F161)Null policy: abstain if missing

Reading this page

Percentiles describe position, not merit.

P10 through P90 below mark where 4156 banks' reported domestic secured cre noncurrent ratio values fell for 2026-06-30 — the median (P50) splits that group in half; it is not a target. The trend chart above follows that median quarter to quarter, and the distribution chart traces the full P10–P90 band. A higher or lower reported value is not labeled favorable or unfavorable here — that depends on the metric, the institution's business model, and context this page does not assert.

Accessible line chart

Domestic secured CRE noncurrent ratio — covered-bank median

View chart data as a table

Period	Value	Revision	Event
2016-09-30	0.381 percent	No marker	None
2016-12-31	0.409 percent	No marker	None
2017-03-31	0.371 percent	No marker	None
2017-06-30	0.351 percent	No marker	None
2017-09-30	0.324 percent	No marker	None
2017-12-31	0.336 percent	No marker	None
2018-03-31	0.312 percent	No marker	None
2018-06-30	0.323 percent	No marker	None
2018-09-30	0.274 percent	No marker	None
2018-12-31	0.273 percent	No marker	None
2019-03-31	0.292 percent	No marker	None
2019-06-30	0.259 percent	No marker	None
2019-09-30	0.261 percent	No marker	None
2019-12-31	0.224 percent	No marker	None
2020-03-31	0.263 percent	No marker	None
2020-06-30	0.368 percent	No marker	None
2020-09-30	0.423 percent	No marker	None
2020-12-31	0.559 percent	No marker	None
2021-03-31	0.533 percent	No marker	None
2021-06-30	0.401 percent	No marker	None
2021-09-30	0.36 percent	No marker	None
2021-12-31	0.263 percent	No marker	None
2022-03-31	0.283 percent	No marker	None
2022-06-30	0.239 percent	No marker	None
2022-09-30	0.201 percent	No marker	None
2022-12-31	0.182 percent	No marker	None
2023-03-31	0.235 percent	No marker	None
2023-06-30	0.23 percent	No marker	None
2023-09-30	0.317 percent	No marker	None
2023-12-31	0.356 percent	No marker	None
2024-03-31	0.418 percent	No marker	None
2024-06-30	0.428 percent	No marker	None
2024-09-30	0.471 percent	No marker	None
2024-12-31	0.616 percent	No marker	None
2025-03-31	0.634 percent	No marker	None
2025-06-30	0.613 percent	No marker	None
2025-09-30	0.318 percent	No marker	None
2025-12-31	0.347 percent	No marker	None
2026-03-31	0.382 percent	No marker	None
2026-06-30	0.071 percent	No marker	None

Source: FFIEC Call Reports; OptimaYield versioned semantic layer. Color is supplemented by shape and labels; reduced-motion users receive no chart animation.

Historical distribution

Domestic secured CRE noncurrent ratio across covered banks

Median with interquartile and P10–P90 ranges across verified observations.

2026-06-30 latest period4,156 observations0.07% median0.00%–0.89% interquartile range

View distribution data as a table

Period	Population	P10	P25	Median	P75	P90
2026-06-30	4,156	0.00%	0.00%	0.07%	0.89%	2.84%
2026-03-31	1,019	0.00%	0.04%	0.38%	1.12%	2.45%
2025-12-31	1,027	0.00%	0.04%	0.35%	1.07%	2.17%
2025-09-30	1,024	0.00%	0.02%	0.32%	1.06%	2.09%
2025-06-30	146	0.06%	0.29%	0.61%	1.47%	2.73%
2025-03-31	148	0.03%	0.24%	0.63%	1.37%	2.93%
2024-12-31	148	0.03%	0.24%	0.62%	1.37%	2.91%
2024-09-30	149	0.03%	0.23%	0.47%	1.30%	2.53%
2024-06-30	146	0.03%	0.23%	0.43%	1.09%	2.24%
2024-03-31	147	0.01%	0.19%	0.42%	0.89%	2.33%
2023-12-31	148	0.00%	0.13%	0.36%	0.84%	1.98%
2023-09-30	147	0.00%	0.10%	0.32%	0.74%	1.62%
2023-06-30	147	0.00%	0.09%	0.23%	0.60%	1.17%
2023-03-31	151	0.00%	0.09%	0.24%	0.48%	0.94%
2022-12-31	149	0.00%	0.07%	0.18%	0.42%	0.81%
2022-09-30	148	0.00%	0.06%	0.20%	0.43%	0.79%
2022-06-30	149	0.00%	0.08%	0.24%	0.50%	0.90%
2022-03-31	150	0.00%	0.09%	0.28%	0.51%	1.07%
2021-12-31	148	0.00%	0.09%	0.26%	0.61%	1.30%
2021-09-30	152	0.01%	0.13%	0.36%	0.84%	1.59%
2021-06-30	150	0.03%	0.16%	0.40%	0.86%	1.49%
2021-03-31	147	0.05%	0.22%	0.53%	1.01%	1.70%
2020-12-31	139	0.05%	0.23%	0.56%	1.08%	1.64%
2020-09-30	140	0.01%	0.21%	0.42%	0.88%	1.29%
2020-06-30	137	0.00%	0.16%	0.37%	0.70%	1.14%
2020-03-31	133	0.00%	0.10%	0.26%	0.54%	0.82%
2019-12-31	130	0.00%	0.09%	0.22%	0.43%	0.72%
2019-09-30	133	0.00%	0.06%	0.26%	0.46%	0.74%
2019-06-30	131	0.00%	0.08%	0.26%	0.50%	0.76%
2019-03-31	131	0.00%	0.08%	0.29%	0.52%	0.78%
2018-12-31	127	0.00%	0.08%	0.27%	0.51%	0.79%
2018-09-30	127	0.00%	0.09%	0.27%	0.49%	0.77%
2018-06-30	125	0.00%	0.12%	0.32%	0.56%	0.88%
2018-03-31	122	0.00%	0.08%	0.31%	0.50%	0.82%
2017-12-31	113	0.00%	0.10%	0.34%	0.52%	0.86%
2017-09-30	114	0.00%	0.10%	0.32%	0.55%	0.88%
2017-06-30	110	0.00%	0.09%	0.35%	0.58%	0.87%
2017-03-31	108	0.00%	0.08%	0.37%	0.62%	0.91%
2016-12-31	104	0.00%	0.09%	0.41%	0.66%	1.02%
2016-09-30	104	0.00%	0.16%	0.38%	0.67%	1.13%

Source: FFIEC Call Reports; OptimaYield versioned semantic layer. Population can change with filings, failures, mergers and eligibility. Missing values are excluded, never converted to zero.

Current distribution

Percentile history

Percentiles exclude unavailable values; they do not convert missing observations to zero.

Period	Population	P10	P25	Median	P75	P90
2026-06-30	4156	0.00%	0.00%	0.07%	0.89%	2.84%
2026-03-31	1019	0.00%	0.04%	0.38%	1.12%	2.45%
2025-12-31	1027	0.00%	0.04%	0.35%	1.07%	2.17%
2025-09-30	1024	0.00%	0.02%	0.32%	1.06%	2.09%
2025-06-30	146	0.06%	0.29%	0.61%	1.47%	2.73%
2025-03-31	148	0.03%	0.24%	0.63%	1.37%	2.93%
2024-12-31	148	0.03%	0.24%	0.62%	1.37%	2.91%
2024-09-30	149	0.03%	0.23%	0.47%	1.30%	2.53%
2024-06-30	146	0.03%	0.23%	0.43%	1.09%	2.24%
2024-03-31	147	0.01%	0.19%	0.42%	0.89%	2.33%
2023-12-31	148	0.00%	0.13%	0.36%	0.84%	1.98%
2023-09-30	147	0.00%	0.10%	0.32%	0.74%	1.62%
2023-06-30	147	0.00%	0.09%	0.23%	0.60%	1.17%
2023-03-31	151	0.00%	0.09%	0.24%	0.48%	0.94%
2022-12-31	149	0.00%	0.07%	0.18%	0.42%	0.81%
2022-09-30	148	0.00%	0.06%	0.20%	0.43%	0.79%
2022-06-30	149	0.00%	0.08%	0.24%	0.50%	0.90%
2022-03-31	150	0.00%	0.09%	0.28%	0.51%	1.07%
2021-12-31	148	0.00%	0.09%	0.26%	0.61%	1.30%
2021-09-30	152	0.01%	0.13%	0.36%	0.84%	1.59%
2021-06-30	150	0.03%	0.16%	0.40%	0.86%	1.49%
2021-03-31	147	0.05%	0.22%	0.53%	1.01%	1.70%
2020-12-31	139	0.05%	0.23%	0.56%	1.08%	1.64%
2020-09-30	140	0.01%	0.21%	0.42%	0.88%	1.29%
2020-06-30	137	0.00%	0.16%	0.37%	0.70%	1.14%
2020-03-31	133	0.00%	0.10%	0.26%	0.54%	0.82%
2019-12-31	130	0.00%	0.09%	0.22%	0.43%	0.72%
2019-09-30	133	0.00%	0.06%	0.26%	0.46%	0.74%
2019-06-30	131	0.00%	0.08%	0.26%	0.50%	0.76%
2019-03-31	131	0.00%	0.08%	0.29%	0.52%	0.78%
2018-12-31	127	0.00%	0.08%	0.27%	0.51%	0.79%
2018-09-30	127	0.00%	0.09%	0.27%	0.49%	0.77%
2018-06-30	125	0.00%	0.12%	0.32%	0.56%	0.88%
2018-03-31	122	0.00%	0.08%	0.31%	0.50%	0.82%
2017-12-31	113	0.00%	0.10%	0.34%	0.52%	0.86%
2017-09-30	114	0.00%	0.10%	0.32%	0.55%	0.88%
2017-06-30	110	0.00%	0.09%	0.35%	0.58%	0.87%
2017-03-31	108	0.00%	0.08%	0.37%	0.62%	0.91%
2016-12-31	104	0.00%	0.09%	0.41%	0.66%	1.02%
2016-09-30	104	0.00%	0.16%	0.38%	0.67%	1.13%
2016-06-30	102	0.00%	0.17%	0.41%	0.74%	1.12%
2016-03-31	98	0.00%	0.19%	0.44%	0.87%	1.30%

Institution drilldown

Highest reported values

Institution drilldown

Lowest reported values

Institution discovery

Search verified rankings by quarter

4,156 matched institutions · selected period 2026-06-30

Reporting quarterBank name or FDIC certificateOrder

Rank	Institution	FDIC	Value	Percentile
#1	MARQUETTE FARMERS STB MARQUE	18094	67.55%	P100
#2	RED RIVER STATE BANK	15820	64.94%	P100
#3	HEARTLAND STATE BANK	3919	41.34%	P100
#4	FIRST CENTRAL BANK	10637	37.81%	P100
#5	MONET BANK	32574	37.35%	P100
#6	BANK OF ANGUILLA	8243	37.14%	P100
#7	NANO BANC	58590	34.74%	P100
#8	QUONTIC BANK	57807	33.09%	P100
#9	IPSWICH STATE BANK	15593	32.52%	P100
#10	ODIN STATE BANK	14574	29.43%	P100
#11	PATHWAY BANK	1992	28.62%	P100
#12	MICRONESIA	26539	24.39%	P100
#13	UNION BANK&TRUST CO	9179	23.71%	P100
#14	HIGHLAND STATE BANK	6198	23.10%	P100
#15	FARMERS BANK	57335	22.31%	P100
#16	FIRST SECURITY BK OF ROUNDUP	20479	21.88%	P100
#17	BANK OF MOUNDVILLE	9057	19.32%	P100
#18	FIRST CENTRAL BANK MCCOOK	34995	19.20%	P100
#19	FIRST BANK	16473	19.11%	P100
#20	GRAND RIVERS COMMUNITY BANK	10816	18.54%	P100
#21	TRANSPECOS BANKS SSB	11178	18.28%	P100
#22	FARMERS STATE BANK	12107	17.69%	P99
#23	IUKA STATE BANK	11317	17.29%	P99
#24	GN BANK	29399	17.06%	P99
#25	STATE BANK OF TAUNTON	16906	16.08%	P99
#26	PEOPLES BANK&TRUST CO	2331	15.77%	P99
#27	SOLON STATE BANK	232	15.71%	P99
#28	HSBC BANK USA NATIONAL ASSN	57890	15.70%	P99
#29	FIRST SUMMIT BANK	399	15.52%	P99
#30	PRINCEVILLE STATE BANK	16900	14.83%	P99
#31	LISLE SAVINGS BANK	29800	14.11%	P99
#32	SECURITY STATE BANK	16448	14.04%	P99
#33	CITY NATIONAL BANK	24367	13.92%	P99
#34	FIRST STATE BANK OF VAN ORIN	10809	13.64%	P99
#35	FIRST STB OF RANDOLPH COUNTY	2157	13.48%	P99
#36	STATE BANK OF LAKE PARK	9351	13.40%	P99
#37	BUCKLEY STATE BANK	12121	13.37%	P99
#38	HEADWATERS STATE BANK	9035	13.12%	P99
#39	FARMERS STB OF ALICEVILLE KS	18120	12.99%	P99
#40	FIRST STATE BANK OF BIGFORK	10991	12.85%	P99
#41	STATE STREET BANK&TRUST CO	14	12.78%	P99
#42	BOGOTA SAVINGS BANK	29941	12.69%	P99
#43	HOME SAVINGS BANK FSB	31723	12.66%	P99
#44	BANK OF YATES CITY	11715	12.65%	P99
#45	GRANVILLE NATIONAL BANK	13983	12.25%	P99
#46	BANK OF ONTARIO	21085	12.15%	P99
#47	BERKSHIRE BANK	27503	11.89%	P99
#48	TEXAS ADVANTAGE CMTY BANK NA	58450	11.89%	P99
#49	FIRST NATIONAL BANK	34455	11.84%	P99
#50	INDUSTRIAL&COMMERCIAL BK CHI	24387	11.70%	P99

Related metrics

Other definitions from the same schedule or domain

Grouped by shared source schedule where derivable, otherwise by the same analytical domain — not a claim of statistical correlation.

Reported values and deterministic derived observations are research inputs, not ratings or predictions. Cohort composition changes over time; use peer reports for a controlled cohort comparison.