Graph and download economic data for Delinquency Rate on Business Loans, All Commercial Banks (DRBLACBS) from Q1 1987 to Q3 2025 about delinquencies, commercial, business, loans, banks, depository institutions, industry, rate, and USA.

The delinquency rates on commercial and industrial loans at commercial banks in the United States has remained relatively stable in the years leading to 2024. As of the second quarter 2021, the delinquency rate on business loans at commercial banks in the United States stood at **** percent, a figure that decreased to **** percent by the third quarter of 2023, only to rise to *** percent in the last quarter of 2024.

United States - Delinquency Rate on Business Loans, All Commercial Banks was 1.33% in July of 2025, according to the United States Federal Reserve. Historically, United States - Delinquency Rate on Business Loans, All Commercial Banks reached a record high of 6.75 in April of 1987 and a record low of 0.72 in October of 2014. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Delinquency Rate on Business Loans, All Commercial Banks - last updated from the United States Federal Reserve on December of 2025.

Graph and download economic data for Delinquency Rate on Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, All Commercial Banks (DRCRELEXFACBS) from Q1 1991 to Q3 2025 about farmland, domestic offices, delinquencies, real estate, commercial, domestic, loans, banks, depository institutions, rate, and USA.

The delinquency rate on real estate loans at commercial banks in the United States rose slightly between the fourth quarter of 2022 and the fourth quarter of 2024. Nevertheless, delinquencies remained below the 2020 levels, when the share of loans past due 30 days rose due to the COVID-19 pandemic. Recently, the gap between residential and commercial real estate loans has narrowed, with the delinquency rate for commercial real estate rising faster than for residential.

In the second quarter of 2025, roughly **** percent of all consumer loans at commercial banks in the United States were delinquent. The delinquency rate on this type of credit has been rising again since 2021. Loans are delinquent when the borrower does not pay their obligations on time. One of the reasons for the delinquency rate decreasing during the first years of the COVID-19 pandemic was that the personal saving rate in the U.S. soared during that period. What is the trend in consumer credit levels in the United States? Consumer credit refers to the various types of loans and credit extended to individuals for personal use, often to fund everyday purchases or larger expenses. When credit levels rise, it often signals that consumers are more confident in their ability to manage debt and make future payments. After a period of strong growth between 2021 and early 2023, consumer credit in the United States has been growing at a slower pace. By early 2024, consumer credit levels reached over **** trillion U.S. dollars. What is the main channel for acquiring consumer credit? In 2024, the leading type of consumer credit among consumers in the U.S. was credit card bills. Credit card usage in the North American country was substantial and credit card penetration was expected to reach over **** percent by 2029. Car loans ranked next as a common source of consumer credit, while other types of debt, such as medical bills, home equity lines of credit, and personal educational loans, had lower percentages.

United States - Delinquency Rate on Business Loans, All Commercial Banks was 1.30% in October of 2024, according to the United States Federal Reserve. Historically, United States - Delinquency Rate on Business Loans, All Commercial Banks reached a record high of 6.99 in January of 1987 and a record low of 0.71 in October of 2014. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Delinquency Rate on Business Loans, All Commercial Banks - last updated from the United States Federal Reserve on December of 2025.

United Kingdom Credit Cond: CL: L3: Default Rate: Small Business data was reported at 10.900 % Point in Jun 2018. This records an increase from the previous number of -19.700 % Point for Mar 2018. United Kingdom Credit Cond: CL: L3: Default Rate: Small Business data is updated quarterly, averaging -6.800 % Point from Dec 2009 (Median) to Jun 2018, with 35 observations. The data reached an all-time high of 38.000 % Point in Dec 2009 and a record low of -34.800 % Point in Jun 2015. United Kingdom Credit Cond: CL: L3: Default Rate: Small Business data remains active status in CEIC and is reported by Bank of England. The data is categorized under Global Database’s UK – Table UK.KB020: Credit Conditions Survey: Corporate Lending: Last 3 Months.

These data are compiled from the quarterly FFIEC (Federal Financial Institutions Examination Council) Consolidated Reports of Condition and Income. Data for each calendar quarter become available approximately sixty days after the end of the quarter. The 100 largest banks are measured by consolidated foreign and domestic assets. Charge-offs are the value of loans and leases removed from the books and charged against loss reserves. Charge-off rates are annualized, net of recoveries. Delinquent loans and leases are those past due thirty days or more and still accruing interest as well as those in nonaccrual status.

The Global Financial Crisis of 2008-09 was a period of severe macroeconomic instability for the United States and the global economy more generally. The crisis was precipitated by the collapse of a number of financial institutions who were deeply involved in the U.S. mortgage market and associated credit markets. Beginning in the Summer of 2007, a number of banks began to report issues with increasing mortgage delinquencies and the problem of not being able to accurately price derivatives contracts which were based on bundles of these U.S. residential mortgages. By the end of 2008, U.S. financial institutions had begun to fail due to their exposure to the housing market, leading to one of the deepest recessions in the history of the United States and to extensive government bailouts of the financial sector.

Subprime and the collapse of the U.S. mortgage market

The early 2000s had seen explosive growth in the U.S. mortgage market, as credit became cheaper due to the Federal Reserve's decision to lower interest rates in the aftermath of the 2001 'Dot Com' Crash, as well as because of the increasing globalization of financial flows which directed funds into U.S. financial markets. Lower mortgage rates gave incentive to financial institutions to begin lending to riskier borrowers, using so-called 'subprime' loans. These were loans to borrowers with poor credit scores, who would not have met the requirements for a conventional mortgage loan. In order to hedge against the risk of these riskier loans, financial institutions began to use complex financial instruments known as derivatives, which bundled mortgage loans together and allowed the risk of default to be sold on to willing investors. This practice was supposed to remove the risk from these loans, by effectively allowing credit institutions to buy insurance against delinquencies. Due to the fraudulent practices of credit ratings agencies, however, the price of these contacts did not reflect the real risk of the loans involved. As the reality of the inability of the borrowers to repay began to kick in during 2007, the financial markets which traded these derivatives came under increasing stress and eventually led to a 'sudden stop' in trading and credit intermediation during 2008.

Market Panic and The Great Recession

As borrowers failed to make repayments, this had a knock-on effect among financial institutions who were highly leveraged with financial instruments based on the mortgage market. Lehman Brothers, one of the world's largest investment banks, failed on September 15th 2008, causing widespread panic in financial markets. Due to the fear of an unprecedented collapse in the financial sector which would have untold consequences for the wider economy, the U.S. government and central bank, The Fed, intervened the following day to bailout the United States' largest insurance company, AIG, and to backstop financial markets. The crisis prompted a deep recession, known colloquially as The Great Recession, drawing parallels between this period and The Great Depression. The collapse of credit intermediation in the economy lead to further issues in the real economy, as business were increasingly unable to pay back loans and were forced to lay off staff, driving unemployment to a high of almost 10 percent in 2010. While there has been criticism of the U.S. government's actions to bailout the financial institutions involved, the actions of the government and the Fed are seen by many as having prevented the crisis from spiraling into a depression of the magnitude of The Great Depression.

Graph and download economic data for Delinquency Rate on Loans to Finance Agricultural Production, All Commercial Banks (DRFAPGACBS) from Q1 1987 to Q3 2025 about delinquencies, finance, agriculture, commercial, production, loans, banks, depository institutions, rate, and USA.

United States - Delinquency Rate on Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, All Commercial Banks was 1.56% in July of 2025, according to the United States Federal Reserve. Historically, United States - Delinquency Rate on Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, All Commercial Banks reached a record high of 11.99 in January of 1991 and a record low of 0.63 in July of 2022. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Delinquency Rate on Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, All Commercial Banks - last updated from the United States Federal Reserve on November of 2025.

Delinquency rates for credit cards picked up in 2025 in the United States, leading to the highest rates observed since 2008. This is according to a collection of one of the United States' federal banks across all commercial banks. The high delinquency rates were joined by the highest U.S. credit card charge-off rates since the Financial Crisis of 2008. Delinquency rates, or the share of credit card loans overdue a payment for more than ** days, can sometimes lead into charge-off, or a writing off the loan, after about six to 12 months. These figures on the share of credit card balances that are overdue developed significantly between 2021 and 2025: Delinquencies were at their lowest point in 2021 but increased to one of their highest points by 2025. This is reflected in the growing credit card debt in the United States, which reached an all-time high in 2023. As of Q2 2025, the delinquency rate stands at 3.05%.

Graph and download economic data for Delinquency Rate on Consumer Loans, All Commercial Banks (DRCLACBS) from Q1 1987 to Q3 2025 about delinquencies, commercial, loans, consumer, banks, depository institutions, rate, and USA.

This statistics illustrates the probability of default (PD) on loans to corporations in Central and Eastern Europe (CEE) as of the first quarter of 2020, by country. As of the first quarter of 2020, Slovenia displayed the highest probability of a corporate loan defaulting with approximately 4.03 percent. Estonia on the other hand during the same period had a probability of default (PD) rate of almost one percent.

United States - Delinquency Rate on Consumer Loans, All Commercial Banks was 2.72% in July of 2025, according to the United States Federal Reserve. Historically, United States - Delinquency Rate on Consumer Loans, All Commercial Banks reached a record high of 4.85 in April of 2009 and a record low of 1.53 in April of 2021. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Delinquency Rate on Consumer Loans, All Commercial Banks - last updated from the United States Federal Reserve on December of 2025.

The percentage of Affirm's loans that are at least 30 days past due their original payment date increased in the first quarter of 2025. This was a decrease of *** percentage point for the U.S. BNPL company when compared to the same quarter in 2024, but still lower than previous peaks, such as in 2020. Nevertheless, these figures are lower than the aggregated credit card delinquency rate for the United States. Why this is the case, is not exactly clear. Industry analysts believe the lower amounts and shorter timeframe of BNPL payments may lower delinquency. Others argue that paying off such payments, first, may impact the ability to pay back larger transactions performed with a credit card.

Graph and download economic data for Delinquency Rate on Business Loans, Banks Not Among the 100 Largest in Size by Assets (DRBLOBS) from Q1 1987 to Q2 2025 about delinquencies, business, loans, assets, banks, depository institutions, industry, rate, and USA.

Business Loan Delinquency Rate - Historical chart and current data through 2025.

United States - Delinquency Rate on All Loans, All Commercial Banks was 1.49% in July of 2025, according to the United States Federal Reserve. Historically, United States - Delinquency Rate on All Loans, All Commercial Banks reached a record high of 7.40 in January of 2010 and a record low of 1.19 in October of 2022. Trading Economics provides the current actual value, an historical data chart and related indicators for United States - Delinquency Rate on All Loans, All Commercial Banks - last updated from the United States Federal Reserve on December of 2025.