In 2024, one percent of the total volume of loans held by banks in the United States were non-performing. This means that 99 percent of loan recipients were repaying their bank back on time, which is a significant improvement from the 4.5 percent reached of non-performing loans in the aftermath of the financial crisis.

Bank nonperforming loans to total gross loans (%) in United States was reported at 0.71607 % in 2022, according to the World Bank collection of development indicators, compiled from officially recognized sources. United States - Bank nonperfoming loans to total gross loans - actual values, historical data, forecasts and projections were sourced from the World Bank on June of 2025.

Key information about United States Non Performing Loans Ratio

• United States Non Performing Loans Ratio stood at 1.7 % in Dec 2024, compared with the ratio of 1.5 % in the previous quarter
• US Non Performing Loans Ratio data is updated quarterly, available from Mar 1985 to Dec 2024
• The data reached an all-time high of 7.5 % in Mar 2010 and a record low of 1.2 % in Sep 2022

Federal Reserve Board provides quarterly Non Performing Loans Ratio. Delinquent Loans or Non Performing Loans are defined as loans past due of over thirty days and still accruing interest as well as those in nonaccrual status, which also covers lease contracts. [COVID-19-IMPACT]


Further information about United States Non Performing Loans Ratio

• In the latest reports, Money Supply M2 in US increased 3.9 % YoY in Dec 2024
• US Foreign Exchange Reserves was measured at 34.9 USD bn in Dec 2024
• The Foreign Exchange Reserves equaled 0.1 Months of Import in Dec 2024
• The country's Domestic Credit reached 30,648.3 USD bn in Mar 2024, representing an drop of 0.3 % YoY
• Household Debt of US reached 18,036.0 USD bn in Dec 2024, accounting for 61.7 % of the country's Nominal GDP

Bank Non-Performing Loans to Gross Loans for United States was 1.07% in January of 2020, according to the United States Federal Reserve. Historically, Bank Non-Performing Loans to Gross Loans for United States reached a record high of 5.00 in January of 2009 and a record low of 0.70 in January of 2005. Trading Economics provides the current actual value, an historical data chart and related indicators for Bank Non-Performing Loans to Gross Loans for United States - last updated from the United States Federal Reserve on June of 2025.

United States US: Bank Non-Performing Loans to Total Gross Loans data was reported at 1.127 % in 2017. This records a decrease from the previous number of 1.321 % for 2016. United States US: Bank Non-Performing Loans to Total Gross Loans data is updated yearly, averaging 2.452 % from Dec 2009 (Median) to 2017, with 9 observations. The data reached an all-time high of 4.960 % in 2009 and a record low of 1.127 % in 2017. United States US: Bank Non-Performing Loans to Total Gross Loans data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s United States – Table US.World Bank.WDI: Bank Loans. Bank nonperforming loans to total gross loans are the value of nonperforming loans divided by the total value of the loan portfolio (including nonperforming loans before the deduction of specific loan-loss provisions). The loan amount recorded as nonperforming should be the gross value of the loan as recorded on the balance sheet, not just the amount that is overdue.; ; International Monetary Fund, Global Financial Stability Report.; Median;

Bank non-performing loans to gross loans (%) in United States was reported at 1.0654 % in 2020, according to the World Bank collection of development indicators, compiled from officially recognized sources. United States - Bank nonperforming loans to gross loans - actual values, historical data, forecasts and projections were sourced from the World Bank on July of 2025.

Graph and download economic data for Nonperforming Total Loans (past due 90+ days plus nonaccrual) to Total Loans (DISCONTINUED) (NPTLTL) from Q1 1988 to Q3 2020 about nonperforming, loans, banks, depository institutions, and USA.

Graph and download economic data for Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for U.S. Banks with average assets between $100M and $300M (DISCONTINUED) (US13NPTL) from Q1 1984 to Q3 2020 about nonaccrual, 90 days +, nonperforming, assets, loans, banks, depository institutions, and USA.

Graph and download economic data for Nonperforming Loans (past due 90+ days plus nonaccrual) to Total Loans for all U.S. Banks (DISCONTINUED) (USNPTL) from Q1 1984 to Q3 2020 about nonaccrual, 90 days +, nonperforming, loans, banks, depository institutions, and USA.

Bank non-performing loans (NPL) in Greece represented over six percent of the total gross loans in Greece in 2022. Non-performing loans are those that are in default or are close to being in default. Many standard contract terms specify that loans become non-performing after being in default for 90 days, but this can vary. A steep increase in the share of non-performing loans in the Greek loan's portfolio took place from 2010 until 2017, when the ratio was approximately 46 percent.

Other European countries Although the non-performing loans in Greece have decreased a lot in recent years, some countries across Europe still had much lower NPL ratios. For example, the bank NPL to total gross loans ratio in the United Kingdom was approximately one percent. Even at the height of the financial crisis, the UK had a relatively low NPL ratio. Similarly low ratio’s can be found in northern European countries like Norway or Lithuania. Even though Greece still has a higher NPL ratio, that difference has decreased a lot in recent years.

Coverage ratios A non-performing loan coverage ratio looks at a bank's ability to absorb future losses. Banks understand that not every loan that they lend will be paid in full, so by predicting the rate of non-performing loans, banks can be prepared to cover these future losses. For example, China has a high provision coverage ratio, which means that its banks should generally be better prepared for such an outcome. In 2022, north European countries such as Lithuania and Iceland had some of the lowest coverage ratio in Europe.

Graph and download economic data for Nonperforming Total Loans (past due 90+ days plus nonaccrual) to Total Loans, Banks with Total Assets from $300M to $1B, Middle Atlantic Census Division (DISCONTINUED) (NPTLTL22) from Q1 1988 to Q3 2020 about Middle Atlantic Census Division, nonperforming, assets, loans, banks, depository institutions, and USA.

This statistic presents the share of non-performing commercial loans held by banks in the United States from 1995 to 2019. Non-performing loans are those with 90-days or more past due or nonaccrual in the call report. In 2019, 0.79 percent of total U.S. commercial loans were non-performing loans.

Bank Non-Performing Loans to Gross Loans for Georgia was 2.27% in January of 2020, according to the United States Federal Reserve. Historically, Bank Non-Performing Loans to Gross Loans for Georgia reached a record high of 11.60 in January of 2001 and a record low of 0.80 in January of 2006. Trading Economics provides the current actual value, an historical data chart and related indicators for Bank Non-Performing Loans to Gross Loans for Georgia - last updated from the United States Federal Reserve on July of 2025.

Graph and download economic data for Total Nonperforming Loans for Commercial Banks in California (DISCONTINUED) (CANP) from Q1 1984 to Q3 2020 about nonperforming, commercial, CA, loans, banks, depository institutions, and USA.

Bank Non-Performing Loans to Gross Loans for United Arab Emirates was 8.15% in January of 2020, according to the United States Federal Reserve. Historically, Bank Non-Performing Loans to Gross Loans for United Arab Emirates reached a record high of 8.15 in January of 2020 and a record low of 5.61 in January of 2018. Trading Economics provides the current actual value, an historical data chart and related indicators for Bank Non-Performing Loans to Gross Loans for United Arab Emirates - last updated from the United States Federal Reserve on July of 2025.

Bank Non-Performing Loans to Gross Loans for Czech Republic was 2.96% in January of 2020, according to the United States Federal Reserve. Historically, Bank Non-Performing Loans to Gross Loans for Czech Republic reached a record high of 3.14 in January of 2018 and a record low of 2.70 in January of 2019. Trading Economics provides the current actual value, an historical data chart and related indicators for Bank Non-Performing Loans to Gross Loans for Czech Republic - last updated from the United States Federal Reserve on July of 2025.

Key information about Italy Non Performing Loans Ratio

• Italy Non Performing Loans Ratio stood at 3.0 % in Sep 2024, compared with the ratio of 3.0 % in the previous quarter
• Italy Non Performing Loans Ratio data is updated quarterly, available from Jun 2008 to Sep 2024
• The data reached an all-time high of 17.1 % in Sep 2015 and a record low of 2.8 % in Dec 2023

CEIC calculates quarterly Non Performing Loans Ratio from quarterly Impaired Loans and quarterly Total Loans. The Bank of Italy provides Impaired Loans and Total Loans. Non Performing Loans is calculated as the sum of bad debts, likely defaults and past due non performing loans. Non Performing Loans prior to Q1 2015 is calculated as the sum of bad debts, substandard loans, restructured loans and overdrawn loans.


Further information about Italy Non Performing Loans Ratio

• In the latest reports, Money Supply M2 in Italy increased 2.0 % YoY in Oct 2024
• Italy Foreign Exchange Reserves was measured at 51.5 USD bn in Nov 2024
• The Foreign Exchange Reserves equaled 0.9 Months of Import in Oct 2024
• The country's Domestic Credit reached 3,464.6 USD bn in Aug 2024, representing an increased of 1.8 % YoY
• Household Debt of Italy reached 1,099.9 USD bn in Jun 2024, accounting for 48.6 % of the country's Nominal GDP

Moldova, Republic of - Bank Non-Performing Loans to Gross Loans for Republic of Moldova was 7.38% in January of 2020, according to the United States Federal Reserve. Historically, Moldova, Republic of - Bank Non-Performing Loans to Gross Loans for Republic of Moldova reached a record high of 20.60 in January of 2001 and a record low of 3.70 in January of 2007. Trading Economics provides the current actual value, an historical data chart and related indicators for Moldova, Republic of - Bank Non-Performing Loans to Gross Loans for Republic of Moldova - last updated from the United States Federal Reserve on June of 2025.

In the last quarter of 2023, loan loss provisions of commercial banks in the United States amounted to **** percent of the overall value of loans. That ratio was higher than in previous years, with those figures being negative in 2021. This indicator shows the value of the provisions with which banks cover their losses as a percentage of their loans.

Graph and download economic data for Total Nonperforming Loans for Commercial Banks in New York (DISCONTINUED) (NYNP) from Q1 1984 to Q3 2020 about nonperforming, NY, commercial, loans, banks, depository institutions, and USA.