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?

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

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 ↗

v3 definition42 quarters1044 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v1 · 2016-01-01 to superseded: (RC-N 1403 + 1407) / RC 2122Null policy: abstain if missing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 1044 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	0.558 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 period1,044 observations0.56% median0.26%–1.07% interquartile range

View distribution data as a table

Period	Population	P10	P25	Median	P75	P90
2026-06-30	1,044	0.09%	0.26%	0.56%	1.07%	1.83%
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	1044	0.09%	0.26%	0.56%	1.07%	1.83%
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

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	MIDFIRST BANK	4063	18.31%	P100
#3	INTERNATIONAL BK OF COM	25679	9.17%	P100
#4	NEWTEK BANK NATIONAL ASSN	18734	7.18%	P100
#5	MUTUALONE BANK	26395	5.92%	P100
#6	PATHWARD NATIONAL ASSN	30776	5.28%	P100
#7	FLAGSTAR BANK NATIONAL ASSN	32541	4.97%	P99
#8	GBANK	58626	4.96%	P99
#9	EMIGRANT BANK	57083	4.77%	P99
#10	BARRINGTON B&T CO NA	34395	4.75%	P99
#11	PATHFINDER BANK	57497	4.69%	P99
#12	FIRSTIER BANK	17478	4.51%	P99
#13	FIDELITY COOP BANK	26451	4.44%	P99
#14	GATEWAY FIRST BANK	15118	4.36%	P99
#15	LINCOLN SAVINGS BANK	14207	4.32%	P99
#16	INDUSTRIAL&COMMERCIAL BK CHI	24387	4.20%	P99
#17	LIVE OAK BANKING CO	58665	4.01%	P98
#18	HOME FEDERAL BANK OF TN	29683	3.92%	P98
#19	CFG BANK	34294	3.86%	P98
#20	NORTHWEST BANK	58752	3.79%	P98
#21	FIRST BANK OF THE LAKE	26960	3.70%	P98
#22	MERIDIAN BANK	57777	3.68%	P98
#23	FIRST FINANCIAL BANK	28905	3.64%	P98
#24	CELTIC BANK	57056	3.63%	P98
#25	CORNERSTONE CAPITAL BANK SSB	1213	3.62%	P98
#26	GREEN DOT BK DBA BONNEVILLE	22653	3.56%	P98
#27	SOUTHPOINT BANK	58088	3.54%	P98
#28	FFB BANK	58090	3.54%	P97
#29	MERRICK BANK	34519	3.52%	P97
#30	AMERICAN MOMENTUM BANK	58309	3.52%	P97
#31	BANK OF WASHINGTON	12627	3.50%	P97
#32	EXCHANGE BANK	1435	3.49%	P97
#33	FIRST BANK OF ALABAMA	2832	3.40%	P97
#34	FREEDOM BANK OF VIRGINIA	57184	3.26%	P97
#35	LEAD BANK	8283	3.26%	P97
#36	COMENITY BANK	27499	3.24%	P97
#37	COMENITY CAPITAL BANK	57570	3.21%	P97
#38	CREDIT ONE BANK NA	25620	3.19%	P96
#39	BANK OF LABOR	1874	3.15%	P96
#40	MAINSTREET BANK	57742	3.15%	P96
#41	FIRST SOUTHERN BANK	15565	3.00%	P96
#42	FIRST FEDERAL BANK	31313	2.96%	P96
#43	T BANK NATIONAL ASSN	57703	2.89%	P96
#44	ST LOUIS BANK	58018	2.87%	P96
#45	BCB COMMUNITY BANK	35541	2.85%	P96
#46	WESTERN ALLIANCE BANK	57512	2.82%	P96
#47	CROSS RIVER BANK	58410	2.79%	P96
#48	BANKWEST INC	4009	2.76%	P95
#49	PATRIOT BANK NATIONAL ASSN	33928	2.75%	P95
#50	BANKHOMETOWN	26523	2.74%	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.