BDI

credit

Allowance to Gross Loans

The allowance for credit losses as a percentage of gross loans.

As of Q1 2026FDICLNATRESFDICLNLSGRSource retrieved 2026-08-01

National median

1.19%

Middle half

0.98%1.45%

Direction

Context dependent

What it means

Why this metric matters

The ratio shows the reserve cushion relative to credit exposure. A higher value may signal caution, riskier mix, deteriorating credit, or all three.

How it is calculated

Formula and source fields

loan_loss_allowance / NULLIF(gross_loans, 0) * 100

Source fields: LNATRES + LNLSGR. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

4,200 observations · Q1 2026

10th percentile

0.76%

25th percentile

0.98%

Median

1.19%

75th percentile

1.45%

90th percentile

1.86%
Quartile markers use every reported value. For readability, values outside the first and ninety-ninth percentiles are collected into the two end bars; rankings retain the exact reported values.

Reported extremes

Highest and lowest banks

These lists describe reported values, not quality rankings. Compare business models and peer groups before drawing conclusions.

Lowest reported values

  1. 1
    Transact Bank, National AssociationCO
    0.00%
  2. 2
    SMBC MANUBANKCA
    0.00%
  3. 3
    Bessemer Trust CompanyNJ
    0.00%
  4. 4
    Bessemer Trust Company, National AssociationNY
    0.00%
  5. 5
    Sumitomo Mitsui Trust Bank (U.S.A.) LimitedNJ
    0.00%
  6. 6
    Charles Schwab Premier Bank, SSBTX
    0.00%
  7. 7
    Eaglemark Savings BankNV
    0.02%
  8. 8
    VersaBank USA National AssociationMN
    0.04%
  9. 9
    Charles Schwab Bank, SSBTX
    0.06%
  10. 10
    The First State Bank of ShelbyMT
    0.09%

Highest reported values

  1. 1
    Young Americans BankCO
    15.38%
  2. 2
    Merrick BankUT
    15.37%
  3. 3
    Credit One Bank, National AssociationNV
    14.32%
  4. 4
    Comenity Capital BankUT
    11.74%
  5. 5
    Comenity BankDE
    11.63%
  6. 6
    Green Dot Bank DBA Bonneville BankUT
    10.75%
  7. 7
    Synchrony BankUT
    10.53%
  8. 8
    First State BankNM
    10.31%
  9. 9
    TD Bank USA, National AssociationDE
    9.91%
  10. 10
    Varo Bank, National AssociationUT
    9.50%

Continue exploring

Related metrics

Loans Past Due 30–89 Days30–89 Day Past Due RatioLoans Past Due 90+ Days90+ Day Past Due RatioNonaccrual Loans