BDI

credit

30–89 Day Past Due Ratio

Loans 30–89 days past due as a percentage of gross loans.

As of Q1 2026FDICP3ASSETFDICLNLSGRSource retrieved 2026-08-01

National median

0.46%

Middle half

0.14%1.10%

Direction

Lower is favorable

What it means

Why this metric matters

Scaling early delinquencies by the loan book makes trends and peer comparisons meaningful. It can deteriorate before charge-offs appear.

How it is calculated

Formula and source fields

past_due_30_89 / NULLIF(gross_loans, 0) * 100

Source fields: P3ASSET + LNLSGR. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

4,210 observations · Q1 2026

10th percentile

0.01%

25th percentile

0.14%

Median

0.46%

75th percentile

1.10%

90th percentile

2.10%
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
    State Street Bank and Trust CompanyMA
    0.00%
  2. 2
    Riverside BankAR
    0.00%
  3. 3
    Pocahontas State BankIA
    0.00%
  4. 4
    First Security BankIA
    0.00%
  5. 5
    First Summit BankOK
    0.00%
  6. 6
    Farmers State BankWY
    0.00%
  7. 7
    Deutsche Bank Trust Company AmericasNY
    0.00%
  8. 8
    Cherokee State BankIA
    0.00%
  9. 9
    Cass Commercial BankMO
    0.00%
  10. 10
    Root River State BankMN
    0.00%

Highest reported values

  1. 1
    Method BankOK
    10.81%
  2. 2
    The First National Bank & TrustOK
    10.16%
  3. 3
    The Lytle State Bank of Lytle, TexasTX
    10.04%
  4. 4
    Bank of ViciOK
    9.73%
  5. 5
    TBO BankMO
    9.17%
  6. 6
    Columbia Savings and Loan AssociationWI
    9.04%
  7. 7
    Brazos National BankTX
    7.92%
  8. 8
    Talbot State BankGA
    7.90%
  9. 9
    Guaranty Bank and Trust CompanyLA
    7.74%
  10. 10
    American BankLA
    7.62%

Continue exploring

Related metrics

Loans Past Due 30–89 DaysLoans Past Due 90+ Days90+ Day Past Due RatioNonaccrual LoansNonaccrual Loan Ratio