How is Nonaccrual loans ratio calculated?

RC-N 1403 / RC-C I 2122. Null policy: abstain if missing.

What source schedule does Nonaccrual loans ratio come from?

RCN, per official FFIEC Call Report instructions.

How many banks reported Nonaccrual loans ratio for 2026-06-30?

1044 banks reported a verified value for 2026-06-30. Institutions with an unavailable or unverified value are excluded, never counted as zero.

Asset quality · Versioned metric research

Nonaccrual loans ratio

Consolidated bank, or domestic-only 041 bank. Quarter-end reported balances. Source evidence: metric-source-contract-validation.json SHA256 38fdaa264d855efba9eacd852269d1d5ed33a76f4620c7726d21828dfb5e9a7d Open official FFIEC instructions ↗

v3 definition42 quarters1044 current observationsRATIO unit

Calculation contract

`RC-N 1403 / RC-C I 2122`

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 1406 / RC-C I 2122Null policy: abstain if missing
v1 · 2016-01-01 to superseded: RC-N 1403 / RC 2122Null policy: abstain if missing

Reading this page

Percentiles describe position, not merit.

P10 through P90 below mark where 1044 banks' reported nonaccrual loans 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

Nonaccrual loans ratio — covered-bank median

View chart data as a table

Period	Value	Revision	Event
2016-09-30	0.642 percent	No marker	None
2016-12-31	0.626 percent	No marker	None
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	0.458 percent	No marker	None
2025-12-31	0.482 percent	No marker	None
2026-03-31	0.517 percent	No marker	None
2026-06-30	0.497 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

Nonaccrual loans ratio across covered banks

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

2026-06-30 latest period1,044 observations0.50% median0.22%–0.92% interquartile range

View distribution data as a table

Period	Population	P10	P25	Median	P75	P90
2026-06-30	1,044	0.06%	0.22%	0.50%	0.92%	1.61%
2026-03-31	1,041	0.06%	0.21%	0.52%	0.92%	1.56%
2025-12-31	1,048	0.05%	0.20%	0.48%	0.89%	1.49%
2025-09-30	1,045	0.05%	0.21%	0.46%	0.84%	1.50%
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%
2016-12-31	114	0.07%	0.33%	0.63%	0.98%	1.36%
2016-09-30	114	0.07%	0.35%	0.64%	1.05%	1.45%

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	1044	0.06%	0.22%	0.50%	0.92%	1.61%
2026-03-31	1041	0.06%	0.21%	0.52%	0.92%	1.56%
2025-12-31	1048	0.05%	0.20%	0.48%	0.89%	1.49%
2025-09-30	1045	0.05%	0.21%	0.46%	0.84%	1.50%
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%
2016-12-31	114	0.07%	0.33%	0.63%	0.98%	1.36%
2016-09-30	114	0.07%	0.35%	0.64%	1.05%	1.45%
2016-06-30	112	0.08%	0.31%	0.67%	0.98%	1.40%
2016-03-31	109	0.06%	0.31%	0.73%	1.07%	1.47%

Institution drilldown

Highest reported values

Institution drilldown

Lowest reported values

Institution discovery

Search verified rankings by quarter

1,044 matched institutions · selected period 2026-06-30

Reporting quarterBank name or FDIC certificateOrder

Rank	Institution	FDIC	Value	Percentile
#1	MONET BANK	32574	25.76%	P100
#2	INTERNATIONAL BK OF COM	25679	9.16%	P100
#3	NEWTEK BANK NATIONAL ASSN	18734	7.00%	P100
#4	MUTUALONE BANK	26395	5.92%	P100
#5	PATHWARD NATIONAL ASSN	30776	4.91%	P100
#6	FLAGSTAR BANK NATIONAL ASSN	32541	4.88%	P100
#7	EMIGRANT BANK	57083	4.77%	P99
#8	PATHFINDER BANK	57497	4.69%	P99
#9	GBANK	58626	4.57%	P99
#10	FIDELITY COOP BANK	26451	4.44%	P99
#11	FIRSTIER BANK	17478	4.37%	P99
#12	INDUSTRIAL&COMMERCIAL BK CHI	24387	4.20%	P99
#13	LIVE OAK BANKING CO	58665	4.01%	P99
#14	HOME FEDERAL BANK OF TN	29683	3.90%	P99
#15	NORTHWEST BANK	58752	3.79%	P99
#16	LINCOLN SAVINGS BANK	14207	3.78%	P99
#17	FIRST BANK OF THE LAKE	26960	3.70%	P98
#18	MERIDIAN BANK	57777	3.68%	P98
#19	CELTIC BANK	57056	3.63%	P98
#20	FIRST FINANCIAL BANK	28905	3.57%	P98
#21	GREEN DOT BK DBA BONNEVILLE	22653	3.56%	P98
#22	SOUTHPOINT BANK	58088	3.52%	P98
#23	AMERICAN MOMENTUM BANK	58309	3.52%	P98
#24	FFB BANK	58090	3.52%	P98
#25	BANK OF WASHINGTON	12627	3.50%	P98
#26	FREEDOM BANK OF VIRGINIA	57184	3.26%	P98
#27	BANK OF LABOR	1874	3.15%	P98
#28	MAINSTREET BANK	57742	3.15%	P97
#29	FIRST SOUTHERN BANK	15565	2.87%	P97
#30	ST LOUIS BANK	58018	2.86%	P97
#31	PATRIOT BANK NATIONAL ASSN	33928	2.75%	P97
#32	BANKHOMETOWN	26523	2.74%	P97
#33	T BANK NATIONAL ASSN	57703	2.72%	P97
#34	BCB COMMUNITY BANK	35541	2.72%	P97
#35	FEDERAL SAVINGS BANK	35518	2.69%	P97
#36	FIRST BANK OF ALABAMA	2832	2.69%	P97
#37	CROSS RIVER BANK	58410	2.68%	P97
#38	CFG BANK	34294	2.68%	P96
#39	BANKWEST INC	4009	2.66%	P96
#40	STEARNS BANK NATIONAL ASSN	10988	2.65%	P96
#41	FIRST NB&T CO CHICKASHA OK	4062	2.61%	P96
#42	COUNTY NATIONAL BANK	14073	2.59%	P96
#43	BENEFICIAL STATE BANK	58490	2.52%	P96
#44	CAPITAL COMMUNITY BANK	33823	2.50%	P96
#45	KS STATEBANK	19899	2.47%	P96
#46	AMERANT BANK NATIONAL ASSN	22953	2.46%	P96
#47	EXCHANGE BANK	1435	2.41%	P96
#48	FIRST NB OF MCGREGOR	3330	2.40%	P95
#49	REGENT BANK	4160	2.40%	P95
#50	INTERAUDI BANK	24516	2.36%	P95

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.