BDI

credit

Nonaccrual Loan Ratio

Nonaccrual loans as a percentage of gross loans.

As of Q1 2026FDICNAASSETFDICLNLSGRSource retrieved 2026-08-01

National median

0.36%

Middle half

0.06%0.94%

Direction

Lower is favorable

What it means

Why this metric matters

This ratio places problem credits on a comparable scale. Its direction often matters more than a single quarter's level.

How it is calculated

Formula and source fields

nonaccrual / NULLIF(gross_loans, 0) * 100

Source fields: NAASSET + LNLSGR. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

4,210 observations · Q1 2026

10th percentile

0.00%

25th percentile

0.06%

Median

0.36%

75th percentile

0.94%

90th percentile

1.96%
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
    The Bank of VernonAL
    0.00%
  2. 2
    Pocahontas State BankIA
    0.00%
  3. 3
    First Security BankIA
    0.00%
  4. 4
    First Whitney Bank and TrustIA
    0.00%
  5. 5
    The Mer Rouge State BankLA
    0.00%
  6. 6
    Merchants and Planters BankMS
    0.00%
  7. 7
    Security Bank MidwestSD
    0.00%
  8. 8
    Western Dakota BankSD
    0.00%
  9. 9
    Farmers State BankWY
    0.00%
  10. 10
    Central Bank and TrustWY
    0.00%

Highest reported values

  1. 1
    Monet BankTX
    36.84%
  2. 2
    American Trust and Savings BankIA
    29.90%
  3. 3
    Nano BancCA
    20.56%
  4. 4
    Grand Rivers Community BankIL
    17.29%
  5. 5
    First & Peoples Bank and Trust CompanyKY
    17.15%
  6. 6
    California Pacific BankCA
    16.39%
  7. 7
    Lamont Bank of St. JohnWA
    15.79%
  8. 8
    The Berkshire BankNY
    11.16%
  9. 9
    Washita Valley BankOK
    10.85%
  10. 10
    United Bank of PhiladelphiaPA
    10.70%

Continue exploring

Related metrics

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