Delinquency Rate on Consumer Loans (ex credit card)
Non-credit-card consumer loan delinquency
In our research, changes in this measure have tended to show up in Credit Card Delinquency at Banks Outside the Top 100 about 13 quarters later. How we tested this
What is the current Delinquency Rate on Consumer Loans (ex credit card) reading?
The delinquency rate on consumer loans other than credit cards at U.S. commercial banks was 2.33% in Q2 2026, little changed from 2.38% a year earlier, according to the Board of Governors of the Federal Reserve System. It is the share of those loan balances that are 30 or more days past due or in nonaccrual status. Source: Federal Reserve Board data retrieved via FRED (DROCLACBS).
Measurement basis: 30+ days past due or in nonaccrual status, per the Federal Reserve Board Charge-Off and Delinquency Rates release
Non-card consumer loan delinquency at commercial banks was 2.33% in Q2 2026, little changed from 2.38% a year earlier.
The Federal Reserve Board put the delinquency rate on consumer loans other than credit cards at 2.33% of balances in Q2 2026, little changed from 2.28% in Q1 2026. A year earlier it was 2.38%, about the same.
The Fed re-estimates its seasonally adjusted figures after they first come out, so the newest quarter can still be revised.
The rate covers consumer loans other than credit cards held by insured U.S.-chartered commercial banks. A loan counts once it is 30 or more days past due, or once the bank has put it in nonaccrual status, meaning it has stopped booking interest on it. The rate is a share of loan dollars, not of borrowers or accounts, and it leaves out loans held by credit unions, savings institutions, finance companies and the federal government. The Fed seasonally adjusts it, taking out the usual end-of-year bump so one quarter can be read against the one before.
For reference points: at the end of 2019, before the pandemic, the rate was 2.09%. In the fourth quarter of 2021 it was 1.48%. Readings before 2001 are partly Fed estimates for smaller banks, so comparisons on this page start in 2001.
Card balances at the same banks are tracked in Credit Card Delinquency, from the same Fed release. The total delinquency rate comes from New York Fed credit-report data, covers all household debt and lenders beyond banks, so its level is not comparable with this rate.
Explore Further
Delinquency Rate on Consumer Loans (ex credit card) over time: what has changed?
Counties with the highest delinquency scores
These are delinquency scores from our County Distress Index, not county readings of Delinquency Rate on Consumer Loans (ex credit card).
Explore all 3,144 counties →| Period | Value | YoY Change |
|---|---|---|
| Q2 2026 | 2.33% | -0.05 pp |
| Q1 2026 | 2.28% | -0.11 pp |
| Q4 2025 | 2.27% | -0.17 pp |
| Q3 2025 | 2.33% | +0.14 pp |
| Q2 2025 | 2.38% | +0.19 pp |
| Q1 2025 | 2.39% | +0.25 pp |
| Q4 2024 | 2.44% | +0.3 pp |
| Q3 2024 | 2.19% | +0.1 pp |
| Q2 2024 | 2.19% | +0.18 pp |
| Q1 2024 | 2.14% | +0.13 pp |
| Q4 2023 | 2.14% | +0.24 pp |
| Q3 2023 | 2.09% | +0.29 pp |
How to read this series
The source changed how it measures this in Q1 2001. Readings before the March 2001 Call Report are partly estimated by the Federal Reserve rather than reported in full detail. Smaller banks filed the FFIEC 033 and 034 forms and could report charged-off and delinquent loans under their own loan classifications instead of the regulatory ones, so the Federal Reserve adjusted and allocated those amounts to the published loan categories using estimated ratios that differed by loan category. The Board states that from the March 2001 Call Report the detail reported by all banks eliminated the need for those procedures. In February 2017 it updated the models used to estimate data not reported by small banks that filed the FFIEC 034 form and revised the pre-2001 rates for several series, so values on that side of the boundary have already moved once without any new bank report. Readings on either side are not directly comparable, so the year-over-year column stays blank where a comparison would cross that date. Source documentation.
Frequently Asked Questions
What is the current consumer loan delinquency rate excluding credit cards?
In Q2 2026, 2.33% of non-card consumer loan balances at U.S. commercial banks were 30 or more days past due or in nonaccrual status, little changed from 2.38% a year earlier. The Federal Reserve Board publishes the figure as FRED series DROCLACBS.
Is this the same as the Fed's consumer loan delinquency rate?
No. The Fed's rate for all consumer loans includes credit cards. This series is its separate column for consumer loans other than credit cards, so the two figures differ. Credit cards have their own rate in the same release.
How does consumer loan delinquency connect to the American Distress Index?
It is one of four inputs to the American Distress Index's Delinquency domain, alongside mortgage, credit card and auto loan delinquency. Each input is scored against its own quarterly history.
Where does this data come from?
The Federal Reserve Board compiles it from the Call Reports that commercial banks file each quarter and publishes it about two months after the quarter ends, in its Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks release. FRED republishes it as DROCLACBS.
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