BDI

profitability

Provision for Credit Losses

Expense recorded to adjust the allowance for expected credit losses during the year.

As of Q1 2026FDICELNATRSource retrieved 2026-08-01

National median

$37K

Middle half

$0$205K

Direction

Context dependent

What it means

Why this metric matters

Provision expense connects current earnings to management's view of future credit losses. A low provision helps profit today but may be unsustainable if risk is building.

How it is calculated

Formula and source fields

ELNATR

Source field: ELNATR. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

4,235 observations · Q1 2026

10th percentile

$0

25th percentile

$0

Median

$37K

75th percentile

$205K

90th percentile

$923K
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
    Crescent BankLA
    −$78.2M
  2. 2
    Carter Bank & TrustVA
    −$34.1M
  3. 3
    The Bank of New York MellonNY
    −$14M
  4. 4
    Sallie Mae BankUT
    −$11.2M
  5. 5
    Mizuho Bank (USA)NY
    −$8.41M
  6. 6
    Zions Bancorporation, N.A.UT
    −$7.4M
  7. 7
    First Federal Savings and Loan Association of LakewoodOH
    −$5.77M
  8. 8
    Texas Exchange BankTX
    −$5.42M
  9. 9
    Alerus Financial, National AssociationND
    −$4.88M
  10. 10
    Macatawa Bank, National AssociationMI
    −$3.42M

Highest reported values

  1. 1
    Capital One, National AssociationVA
    $4.07B
  2. 2
    JPMorgan Chase Bank, National AssociationOH
    $2.54B
  3. 3
    Citibank, National AssociationSD
    $2.36B
  4. 4
    Bank of America, National AssociationNC
    $1.34B
  5. 5
    Synchrony BankUT
    $1.32B
  6. 6
    Wells Fargo Bank, National AssociationSD
    $1.13B
  7. 7
    American Express National BankUT
    $990M
  8. 8
    U.S. Bank National AssociationOH
    $576M
  9. 9
    Truist BankNC
    $479M
  10. 10
    Ally BankUT
    $466M

Continue exploring

Related metrics

Return on AssetsReturn on EquityNet Income, Year to DateNet Interest Income, Year to DateNoninterest Income, Year to Date