How is Noncurrent loans ratio calculated?

RC-N (1407 + 1403) / RC-C I 2122. Null policy: abstain if missing.

What source schedule does Noncurrent loans ratio come from?

RCN, per official FFIEC Call Report instructions.

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

4207 banks reported a verified value for 2026-06-30. Institutions with an unavailable or unverified value are excluded, never counted as zero.

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

Noncurrent 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 ↗

In plain English

Noncurrent loans ratio: what it shows

Loans that are 90 or more days past due and still accruing, plus nonaccrual loans, divided by total loans and leases.

Where reporting institutions stand now

As of Q2 2026, 4,207 banks reported a verified value for noncurrent loans ratio. The median was 0.47%, the middle half of them fell between 0.12% and 1.16%, and the range from the 10th to the 90th percentile ran 0.00% to 2.29%.

Over the last four quarters the median moved from 0.70% in Q2 2025 to 0.47%, down 0.23 percentage points.

Across the 42 quarters on record, from Q1 2016, the median has ranged from 0.39% (Q3 2022) to 0.97% (Q1 2016).

Why it matters

It is the standard asset quality headline: the share of the loan book that has stopped paying as agreed.

How to read it

Compare with banks of similar size and loan mix, and watch the direction over time. Read it with the allowance for credit losses to see whether reserves cover the problem loans.

What to watch for

It lags the economic cycle, and government-guaranteed loans that are past due can inflate it for banks with large guaranteed portfolios.

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 quarters4207 current observationsRATIO unit

Calculation contract

`RC-N (1407 + 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 (1407 + 1406) / RC-C I 2122Null policy: abstain if missing
v1 · 2016-01-01 to superseded: (RC-N 1403 + 1407) / RC 2122Null policy: abstain if missing

Reading this page

Percentiles describe position, not merit.

P10 through P90 below mark where 4207 banks' reported noncurrent 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

Noncurrent loans ratio — covered-bank median

View chart data as a table

Period	Value	Revision	Event
2016-09-30	0.893 percent	No marker	None
2016-12-31	0.884 percent	No marker	None
2017-03-31	0.825 percent	No marker	None
2017-06-30	0.768 percent	No marker	None
2017-09-30	0.783 percent	No marker	None
2017-12-31	0.753 percent	No marker	None
2018-03-31	0.725 percent	No marker	None
2018-06-30	0.663 percent	No marker	None
2018-09-30	0.655 percent	No marker	None
2018-12-31	0.627 percent	No marker	None
2019-03-31	0.628 percent	No marker	None
2019-06-30	0.581 percent	No marker	None
2019-09-30	0.6 percent	No marker	None
2019-12-31	0.576 percent	No marker	None
2020-03-31	0.599 percent	No marker	None
2020-06-30	0.656 percent	No marker	None
2020-09-30	0.689 percent	No marker	None
2020-12-31	0.693 percent	No marker	None
2021-03-31	0.627 percent	No marker	None
2021-06-30	0.568 percent	No marker	None
2021-09-30	0.523 percent	No marker	None
2021-12-31	0.526 percent	No marker	None
2022-03-31	0.486 percent	No marker	None
2022-06-30	0.407 percent	No marker	None
2022-09-30	0.393 percent	No marker	None
2022-12-31	0.394 percent	No marker	None
2023-03-31	0.414 percent	No marker	None
2023-06-30	0.448 percent	No marker	None
2023-09-30	0.493 percent	No marker	None
2023-12-31	0.544 percent	No marker	None
2024-03-31	0.598 percent	No marker	None
2024-06-30	0.627 percent	No marker	None
2024-09-30	0.681 percent	No marker	None
2024-12-31	0.699 percent	No marker	None
2025-03-31	0.707 percent	No marker	None
2025-06-30	0.696 percent	No marker	None
2025-09-30	0.521 percent	No marker	None
2025-12-31	0.537 percent	No marker	None
2026-03-31	0.584 percent	No marker	None
2026-06-30	0.467 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

Noncurrent loans ratio across covered banks

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

2026-06-30 latest period4,207 observations0.47% median0.12%–1.16% interquartile range

View distribution data as a table

Period	Population	P10	P25	Median	P75	P90
2026-06-30	4,207	0.00%	0.12%	0.47%	1.16%	2.29%
2026-03-31	1,041	0.09%	0.27%	0.58%	1.04%	1.84%
2025-12-31	1,048	0.08%	0.25%	0.54%	0.99%	1.75%
2025-09-30	1,045	0.08%	0.24%	0.52%	0.97%	1.79%
2025-06-30	154	0.22%	0.42%	0.70%	1.06%	1.68%
2025-03-31	157	0.21%	0.43%	0.71%	1.09%	1.81%
2024-12-31	157	0.24%	0.39%	0.70%	1.09%	1.80%
2024-09-30	158	0.20%	0.38%	0.68%	1.07%	1.71%
2024-06-30	155	0.17%	0.36%	0.63%	0.92%	1.63%
2024-03-31	156	0.16%	0.35%	0.60%	0.92%	1.71%
2023-12-31	157	0.16%	0.29%	0.54%	0.84%	1.60%
2023-09-30	155	0.15%	0.27%	0.49%	0.80%	1.43%
2023-06-30	155	0.12%	0.23%	0.45%	0.71%	1.27%
2023-03-31	159	0.12%	0.21%	0.41%	0.72%	1.26%
2022-12-31	157	0.10%	0.22%	0.39%	0.70%	1.07%
2022-09-30	157	0.10%	0.23%	0.39%	0.72%	1.07%
2022-06-30	158	0.12%	0.23%	0.41%	0.72%	1.13%
2022-03-31	159	0.12%	0.27%	0.49%	0.77%	1.23%
2021-12-31	158	0.12%	0.28%	0.53%	0.82%	1.33%
2021-09-30	160	0.12%	0.31%	0.52%	0.85%	1.35%
2021-06-30	158	0.17%	0.31%	0.57%	0.96%	1.80%
2021-03-31	156	0.20%	0.36%	0.63%	1.07%	2.03%
2020-12-31	149	0.22%	0.39%	0.69%	1.08%	2.21%
2020-09-30	149	0.20%	0.38%	0.69%	1.04%	1.94%
2020-06-30	146	0.19%	0.38%	0.66%	1.02%	1.87%
2020-03-31	142	0.15%	0.39%	0.60%	0.94%	1.55%
2019-12-31	139	0.16%	0.33%	0.58%	0.88%	1.51%
2019-09-30	142	0.16%	0.35%	0.60%	0.93%	1.38%
2019-06-30	140	0.17%	0.36%	0.58%	0.96%	1.48%
2019-03-31	140	0.18%	0.39%	0.63%	0.96%	1.52%
2018-12-31	136	0.16%	0.40%	0.63%	0.99%	1.58%
2018-09-30	137	0.16%	0.42%	0.66%	1.04%	1.54%
2018-06-30	134	0.20%	0.43%	0.66%	1.07%	1.44%
2018-03-31	132	0.19%	0.43%	0.73%	1.12%	1.63%
2017-12-31	123	0.22%	0.44%	0.75%	1.20%	1.74%
2017-09-30	125	0.23%	0.42%	0.78%	1.26%	1.86%
2017-06-30	121	0.26%	0.46%	0.77%	1.24%	1.88%
2017-03-31	118	0.26%	0.48%	0.83%	1.32%	1.90%
2016-12-31	114	0.29%	0.53%	0.88%	1.41%	2.04%
2016-09-30	114	0.26%	0.54%	0.89%	1.44%	1.97%

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	4207	0.00%	0.12%	0.47%	1.16%	2.29%
2026-03-31	1041	0.09%	0.27%	0.58%	1.04%	1.84%
2025-12-31	1048	0.08%	0.25%	0.54%	0.99%	1.75%
2025-09-30	1045	0.08%	0.24%	0.52%	0.97%	1.79%
2025-06-30	154	0.22%	0.42%	0.70%	1.06%	1.68%
2025-03-31	157	0.21%	0.43%	0.71%	1.09%	1.81%
2024-12-31	157	0.24%	0.39%	0.70%	1.09%	1.80%
2024-09-30	158	0.20%	0.38%	0.68%	1.07%	1.71%
2024-06-30	155	0.17%	0.36%	0.63%	0.92%	1.63%
2024-03-31	156	0.16%	0.35%	0.60%	0.92%	1.71%
2023-12-31	157	0.16%	0.29%	0.54%	0.84%	1.60%
2023-09-30	155	0.15%	0.27%	0.49%	0.80%	1.43%
2023-06-30	155	0.12%	0.23%	0.45%	0.71%	1.27%
2023-03-31	159	0.12%	0.21%	0.41%	0.72%	1.26%
2022-12-31	157	0.10%	0.22%	0.39%	0.70%	1.07%
2022-09-30	157	0.10%	0.23%	0.39%	0.72%	1.07%
2022-06-30	158	0.12%	0.23%	0.41%	0.72%	1.13%
2022-03-31	159	0.12%	0.27%	0.49%	0.77%	1.23%
2021-12-31	158	0.12%	0.28%	0.53%	0.82%	1.33%
2021-09-30	160	0.12%	0.31%	0.52%	0.85%	1.35%
2021-06-30	158	0.17%	0.31%	0.57%	0.96%	1.80%
2021-03-31	156	0.20%	0.36%	0.63%	1.07%	2.03%
2020-12-31	149	0.22%	0.39%	0.69%	1.08%	2.21%
2020-09-30	149	0.20%	0.38%	0.69%	1.04%	1.94%
2020-06-30	146	0.19%	0.38%	0.66%	1.02%	1.87%
2020-03-31	142	0.15%	0.39%	0.60%	0.94%	1.55%
2019-12-31	139	0.16%	0.33%	0.58%	0.88%	1.51%
2019-09-30	142	0.16%	0.35%	0.60%	0.93%	1.38%
2019-06-30	140	0.17%	0.36%	0.58%	0.96%	1.48%
2019-03-31	140	0.18%	0.39%	0.63%	0.96%	1.52%
2018-12-31	136	0.16%	0.40%	0.63%	0.99%	1.58%
2018-09-30	137	0.16%	0.42%	0.66%	1.04%	1.54%
2018-06-30	134	0.20%	0.43%	0.66%	1.07%	1.44%
2018-03-31	132	0.19%	0.43%	0.73%	1.12%	1.63%
2017-12-31	123	0.22%	0.44%	0.75%	1.20%	1.74%
2017-09-30	125	0.23%	0.42%	0.78%	1.26%	1.86%
2017-06-30	121	0.26%	0.46%	0.77%	1.24%	1.88%
2017-03-31	118	0.26%	0.48%	0.83%	1.32%	1.90%
2016-12-31	114	0.29%	0.53%	0.88%	1.41%	2.04%
2016-09-30	114	0.26%	0.54%	0.89%	1.44%	1.97%
2016-06-30	112	0.30%	0.57%	0.92%	1.41%	1.96%
2016-03-31	109	0.22%	0.51%	0.97%	1.53%	2.09%

Institution drilldown

Highest reported values

#1LAMONT BANK OF ST JOHN49.83%
#2AMERICAN TRUST&SAVINGS BANK30.07%
#3MONET BANK25.76%
#4NANO BANC25.73%
#5COLUMBIA SAVINGS&LOAN ASSN19.47%
#6MIDFIRST BANK18.31%
#7CALIFORNIA PACIFIC BANK15.93%
#8GRAND RIVERS COMMUNITY BANK15.59%
#9FIRST&PEOPLES BANK&TRUST CO15.30%
#10FIRST SECURITY BANK&TRUST CO13.20%

Institution drilldown

Lowest reported values

Institution discovery

Search verified rankings by quarter

4,207 matched institutions · selected period 2026-06-30

Reporting quarterBank name or FDIC certificateOrder

Rank	Institution	FDIC	Value	Percentile
#1	LAMONT BANK OF ST JOHN	8681	49.83%	P100
#2	AMERICAN TRUST&SAVINGS BANK	10120	30.07%	P100
#3	MONET BANK	32574	25.76%	P100
#4	NANO BANC	58590	25.73%	P100
#5	COLUMBIA SAVINGS&LOAN ASSN	28480	19.47%	P100
#6	MIDFIRST BANK	4063	18.31%	P100
#7	CALIFORNIA PACIFIC BANK	23242	15.93%	P100
#8	GRAND RIVERS COMMUNITY BANK	10816	15.59%	P100
#9	FIRST&PEOPLES BANK&TRUST CO	8122	15.30%	P100
#10	FIRST SECURITY BANK&TRUST CO	17001	13.20%	P100
#11	GN BANK	29399	13.11%	P100
#12	BERKSHIRE BANK	27503	12.68%	P100
#13	SOLON STATE BANK	232	11.69%	P100
#14	UNITED BANK OF PHILADELPHIA	33568	11.33%	P100
#15	CHESTERFIELD STATE BANK	10872	11.20%	P100
#16	BANK OF ONTARIO	21085	11.17%	P100
#17	FIRST SOUTHERN BANK	29332	10.86%	P100
#18	PEOPLES BANK&TRUST CO	2331	10.85%	P100
#19	YOUNG AMERICANS BANK	27010	10.53%	P100
#20	MICRONESIA	26539	9.98%	P100
#21	BHM BANK	35314	9.48%	P100
#22	TIOGA-FRANKLIN SAVINGS BANK	33802	9.23%	P100
#23	INTERNATIONAL BK OF COM	25679	9.17%	P99
#24	RED RIVER STATE BANK	15820	8.88%	P99
#25	FIRST NB OF FAIRFAX	5142	8.68%	P99
#26	FIRST STATE BANK IN TEMPLE	5999	8.60%	P99
#27	GARFIELD COUNTY BANK	18164	8.42%	P99
#28	IDABEL NATIONAL BANK	4241	8.39%	P99
#29	UNITY BANK	8714	8.39%	P99
#30	FIRST B&T CO OF ILLINOIS	18641	8.37%	P99
#31	WASHITA VALLEY BANK	2308	8.23%	P99
#32	IUKA STATE BANK	11317	7.98%	P99
#33	ALLNATIONS BANK	4051	7.87%	P99
#34	STATE BANK OF SCOTIA	14069	7.84%	P99
#35	FIRST BANK	16473	7.82%	P99
#36	NEW OMNI BANK NATIONAL ASSN	23086	7.69%	P99
#37	HOME SAVINGS BANK FSB	31723	7.46%	P99
#38	NEWTEK BANK NATIONAL ASSN	18734	7.18%	P99
#39	CITIZENS BANK&TRUST CO	16417	7.15%	P99
#40	FIRST SUMMIT BANK	399	7.11%	P99
#41	TEXAS ADVANTAGE CMTY BANK NA	58450	7.09%	P99
#42	SJN BANK OF KANSAS	4766	6.97%	P99
#43	SOUTH LAFOURCHE B&T CO	19755	6.95%	P99
#44	MONTEZUMA STATE BANK	1860	6.94%	P99
#45	STATE EXCHANGE BANK	13551	6.88%	P99
#46	WILMINGTON TRUST NA	34069	6.86%	P99
#47	BANK OF GUEYDAN	8144	6.77%	P99
#48	FARMERS STATE BANK	17632	6.76%	P99
#49	EASTERN SAVINGS BANK FSB	32360	6.73%	P99
#50	MIDWEST REGIONAL BANK	8889	6.61%	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.