BDI

credit

90+ Day Past Due Ratio

Loans at least 90 days past due and still accruing as a percentage of gross loans.

As of Q1 2026FDICP9ASSETFDICLNLSGRSource retrieved 2026-08-01

National median

0.00%

Middle half

0.00%0.06%

Direction

Lower is favorable

What it means

Why this metric matters

The ratio compares severe delinquency across banks of different sizes. Persistent elevation usually demands more allowance and collection attention.

How it is calculated

Formula and source fields

past_due_90 / NULLIF(gross_loans, 0) * 100

Source fields: P9ASSET + LNLSGR. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

4,210 observations · Q1 2026

10th percentile

0.00%

25th percentile

0.00%

Median

0.00%

75th percentile

0.06%

90th percentile

0.39%
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
    Robertson Banking CompanyAL
    0.00%
  3. 3
    Phenix-Girard BankAL
    0.00%
  4. 4
    Bank of EvergreenAL
    0.00%
  5. 5
    Community Spirit BankAL
    0.00%
  6. 6
    The Citizens Bank of WinfieldAL
    0.00%
  7. 7
    Peoples Exchange BankAL
    0.00%
  8. 8
    BankSouthAL
    0.00%
  9. 9
    Warren Bank and Trust CompanyAR
    0.00%
  10. 10
    Signature Bank of ArkansasAR
    0.00%

Highest reported values

  1. 1
    MidFirst BankOK
    18.80%
  2. 2
    Prairie Sun BankMN
    9.26%
  3. 3
    Columbia Savings and Loan AssociationWI
    9.07%
  4. 4
    Triad Bank, National AssociationOK
    6.30%
  5. 5
    Garfield County BankMT
    5.87%
  6. 6
    Lamont Bank of St. JohnWA
    5.65%
  7. 7
    Farmers and Merchants State BankND
    4.67%
  8. 8
    Bank of LouisianaLA
    4.55%
  9. 9
    Chesterfield State BankIL
    4.40%
  10. 10
    Kennett Trust BankMO
    4.40%

Continue exploring

Related metrics

Loans Past Due 30–89 Days30–89 Day Past Due RatioLoans Past Due 90+ DaysNonaccrual LoansNonaccrual Loan Ratio