Versioned metric research

Nonaccrual loans ratio

Reported nonaccrual loans divided by loans. Open official FFIEC instructions ↗

v1 definition37 quarters153 current observationsRATIO unit

Calculation contract

`RC-N 1403 / RC 2122`

Null policy: abstain if missing

Effective: 2016-01-01 to current

Accessible line chart

Nonaccrual loans ratio — covered-bank median

View chart data as a table

Period	Value	Revision	Event
2017-03-31	0.608 percent	No marker	None
2017-06-30	0.571 percent	No marker	None
2017-09-30	0.541 percent	No marker	None
2017-12-31	0.516 percent	No marker	None
2018-03-31	0.509 percent	No marker	None
2018-06-30	0.481 percent	No marker	None
2018-09-30	0.48 percent	No marker	None
2018-12-31	0.468 percent	No marker	None
2019-03-31	0.486 percent	No marker	None
2019-06-30	0.45 percent	No marker	None
2019-09-30	0.446 percent	No marker	None
2019-12-31	0.438 percent	No marker	None
2020-03-31	0.492 percent	No marker	None
2020-06-30	0.514 percent	No marker	None
2020-09-30	0.564 percent	No marker	None
2020-12-31	0.556 percent	No marker	None
2021-03-31	0.499 percent	No marker	None
2021-06-30	0.486 percent	No marker	None
2021-09-30	0.43 percent	No marker	None
2021-12-31	0.398 percent	No marker	None
2022-03-31	0.371 percent	No marker	None
2022-06-30	0.313 percent	No marker	None
2022-09-30	0.305 percent	No marker	None
2022-12-31	0.296 percent	No marker	None
2023-03-31	0.331 percent	No marker	None
2023-06-30	0.369 percent	No marker	None
2023-09-30	0.379 percent	No marker	None
2023-12-31	0.424 percent	No marker	None
2024-03-31	0.492 percent	No marker	None
2024-06-30	0.512 percent	No marker	None
2024-09-30	0.571 percent	No marker	None
2024-12-31	0.573 percent	No marker	None
2025-03-31	0.569 percent	No marker	None
2025-06-30	0.539 percent	No marker	None
2025-09-30	0.541 percent	No marker	None
2025-12-31	0.54 percent	No marker	None
2026-03-31	0.588 percent	No marker	None

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

Current distribution

Percentile history

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

Period	Population	P10	P25	Median	P75	P90
2026-03-31	153	0.10%	0.35%	0.59%	0.86%	1.13%
2025-12-31	151	0.11%	0.34%	0.54%	0.88%	1.12%
2025-09-30	154	0.10%	0.36%	0.54%	0.90%	1.23%
2025-06-30	154	0.11%	0.33%	0.54%	0.84%	1.15%
2025-03-31	157	0.11%	0.32%	0.57%	0.81%	1.14%
2024-12-31	157	0.11%	0.31%	0.57%	0.84%	1.13%
2024-09-30	158	0.10%	0.31%	0.57%	0.81%	1.10%
2024-06-30	155	0.09%	0.29%	0.51%	0.72%	1.01%
2024-03-31	156	0.08%	0.27%	0.49%	0.74%	1.05%
2023-12-31	157	0.08%	0.22%	0.42%	0.67%	0.88%
2023-09-30	155	0.07%	0.21%	0.38%	0.59%	0.85%
2023-06-30	155	0.08%	0.19%	0.37%	0.54%	0.77%
2023-03-31	159	0.07%	0.18%	0.33%	0.51%	0.74%
2022-12-31	157	0.06%	0.16%	0.30%	0.47%	0.72%
2022-09-30	157	0.05%	0.16%	0.30%	0.48%	0.68%
2022-06-30	158	0.06%	0.17%	0.31%	0.51%	0.75%
2022-03-31	159	0.08%	0.20%	0.37%	0.58%	0.85%
2021-12-31	158	0.07%	0.21%	0.40%	0.59%	0.93%
2021-09-30	160	0.09%	0.26%	0.43%	0.68%	1.07%
2021-06-30	158	0.11%	0.25%	0.49%	0.79%	1.20%
2021-03-31	156	0.14%	0.30%	0.50%	0.84%	1.16%
2020-12-31	149	0.14%	0.32%	0.56%	0.82%	1.20%
2020-09-30	149	0.14%	0.28%	0.56%	0.84%	1.35%
2020-06-30	146	0.12%	0.28%	0.51%	0.77%	1.12%
2020-03-31	142	0.11%	0.27%	0.49%	0.71%	1.06%
2019-12-31	139	0.09%	0.24%	0.44%	0.67%	0.92%
2019-09-30	142	0.09%	0.25%	0.45%	0.64%	0.91%
2019-06-30	140	0.11%	0.23%	0.45%	0.68%	0.96%
2019-03-31	140	0.08%	0.26%	0.49%	0.67%	0.99%
2018-12-31	136	0.08%	0.27%	0.47%	0.67%	0.96%
2018-09-30	137	0.08%	0.27%	0.48%	0.68%	1.01%
2018-06-30	134	0.07%	0.27%	0.48%	0.74%	1.05%
2018-03-31	132	0.07%	0.26%	0.51%	0.77%	1.06%
2017-12-31	123	0.08%	0.28%	0.52%	0.83%	1.13%
2017-09-30	125	0.06%	0.28%	0.54%	0.94%	1.23%
2017-06-30	121	0.07%	0.27%	0.57%	0.92%	1.28%
2017-03-31	118	0.07%	0.29%	0.61%	0.95%	1.30%

Institution drilldown

Highest reported values

Institution drilldown

Lowest reported values

#144COMMERCE BANK0.05%
#145SYNCHRONY BANK0.05%
#146OPTUM BANK INC0.04%
#147STIFEL BANK0.02%
#148TD BANK USA NATIONAL ASSN0.01%
#149SOFI BANK NATIONAL ASSN0.01%
#150SALLIE MAE BANK0.00%
#151CHARLES SCHWAB PREMIER BK SS0.00%
#151COMENITY CAPITAL BANK0.00%
#151SAFRA NB OF NEW YORK0.00%

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.