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Loan Delinquency Rate
Share of all bank-loan balances at least 30 days past due.
1.5%
Percent · latest, Jan 2026
vs prior quarter→ 0.0 pp
vs year ago▼ 0.1 pp
| Year | Loan Delinquency Rate |
|---|---|
| 1985 | 4.8% |
| 1986 | 4.7% |
| 1987 | 5.3% |
| 1988 | 4.7% |
| 1989 | 4.9% |
| 1990 | 6.0% |
| 1991 | 5.8% |
| 1992 | 4.8% |
| 1993 | 3.4% |
| 1994 | 2.5% |
| 1995 | 2.5% |
| 1996 | 2.4% |
| 1997 | 2.3% |
| 1998 | 2.2% |
| 1999 | 2.0% |
| 2000 | 2.3% |
| 2001 | 2.7% |
| 2002 | 2.6% |
| 2003 | 2.1% |
| 2004 | 1.6% |
| 2005 | 1.5% |
| 2006 | 1.7% |
| 2007 | 2.5% |
| 2008 | 4.8% |
| 2009 | 7.3% |
| 2010 | 6.4% |
| 2011 | 5.5% |
| 2012 | 4.7% |
| 2013 | 3.5% |
| 2014 | 2.7% |
| 2015 | 2.2% |
| 2016 | 2.0% |
| 2017 | 1.8% |
| 2018 | 1.5% |
| 2019 | 1.4% |
| 2020 | 1.6% |
| 2021 | 1.3% |
| 2022 | 1.2% |
| 2023 | 1.4% |
| 2024 | 1.5% |
| 2025 | 1.5% |
| 2026 | 1.5% |
Hover the line to read any month. Drag across the chart to zoom; double-click to reset.
Source: FRED · DRALACBS · series · Jan 1985 to Jan 2026 · latest-revised
Refreshed Jul 31, 2026 from FRED.
Share of all bank-loan balances at least 30 days past due.
Share of all commercial-bank loan balances that are at least 30 days past due.
Source: FRED · Jan 2026 · Full lesson → Learn
About the bands. Shaded spans are NBER-dated US recessions, drawn as factual overlays. They mark when the economy contracted, not why. Lining an event up with a move is not evidence it caused the move.