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Share of non-performing loans held by banks in the U.S. 1995-2018
Share of non-performing loans held by banks in the U.S. 1995-2018
Share of non-performing loans held by banks in the United States from 1995 to 2018
by M. Szmigiera,
last edited
Aug 9, 2019
In 2018, 1.02 percent of the loans that banks in the United States held were non-performing. This means that 99 percent of loan recipients were repaying their bank back at that time, which is a significant improvement from the 5.3 percent of non-performing loans in the aftermath of the Financial Crisis.
What are non-performing loans?
Banks do not expect all the loans they issue to be fully repaid. For this reason, part of the interest rate that they charge is a “risk premium”, a higher interest rate than the expected change in value. Banks generally use the interest rate on U.S. short-term government bonds as the “risk free rate”, then increase that rate based on the borrower’s credit score.
Loans and delinquency
Non-performing loans differ by loan types based on collateral. Collateralized loans are loans in which the lender has taken something to ensure repayment. If repayment does not occur, the lender keeps the collateral. A classic example would be taking jewelry to a pawn shop, but the same principle applies to mortgage foreclosures. Loans without collateral differ in that a bank cannot foreclose on student loan debt or a medical procedure.
Share of non-performing loans held by banks in the United States from 1995 to 2018
Loading statistic...
| Share of non-performing loans in total loans | |
|---|---|
| '18 | 1.02% |
| '17 | 1.22% |
| '16 | 1.47% |
| '15 | 1.67% |
| '14 | 2.21% |
| '13 | 3.04% |
| '12 | 3.95% |
| '11 | 4.5% |
| '10 | 5.3% |
| '09 | 4.7% |
| '08 | 2.21% |
| '07 | 1.01% |
| '06 | 0.73% |
| '05 | 0.77% |
| '04 | 0.96% |
| '03 | 1.3% |
| '02 | 1.47% |
| '01 | 1.3% |
| '00 | 1.02% |
| '99 | 0.96% |
| '98 | 0.95% |
| '97 | 0.99% |
| '96 | 1.11% |
| '95 | 1.25% |
| Share of non-performing loans in total loans | |
|---|---|
| '18 | 1.02% |
| '17 | 1.22% |
| '16 | 1.47% |
| '15 | 1.67% |
| '14 | 2.21% |
| '13 | 3.04% |
| '12 | 3.95% |
| '11 | 4.5% |
| '10 | 5.3% |
| '09 | 4.7% |
| '08 | 2.21% |
| '07 | 1.01% |
| '06 | 0.73% |
| '05 | 0.77% |
| '04 | 0.96% |
| '03 | 1.3% |
| '02 | 1.47% |
| '01 | 1.3% |
| '00 | 1.02% |
| '99 | 0.96% |
| '98 | 0.95% |
| '97 | 0.99% |
| '96 | 1.11% |
| '95 | 1.25% |
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by M. Szmigiera,
last edited
Aug 9, 2019
In 2018, 1.02 percent of the loans that banks in the United States held were non-performing. This means that 99 percent of loan recipients were repaying their bank back at that time, which is a significant improvement from the 5.3 percent of non-performing loans in the aftermath of the Financial Crisis.
What are non-performing loans?
Banks do not expect all the loans they issue to be fully repaid. For this reason, part of the interest rate that they charge is a “risk premium”, a higher interest rate than the expected change in value. Banks generally use the interest rate on U.S. short-term government bonds as the “risk free rate”, then increase that rate based on the borrower’s credit score.
Loans and delinquency
Non-performing loans differ by loan types based on collateral. Collateralized loans are loans in which the lender has taken something to ensure repayment. If repayment does not occur, the lender keeps the collateral. A classic example would be taking jewelry to a pawn shop, but the same principle applies to mortgage foreclosures. Loans without collateral differ in that a bank cannot foreclose on student loan debt or a medical procedure.
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- Release date
- March 2019
- Region
- United States
- Survey time period
- 1995 to 2018
- Supplementary notes
- Percentage of non-performing loans equals total non-performing loans divided by total loans. Non-performing loans are those loans that bank managers classify as 90-days or more past due or nonaccrual in the call report.
Source
- Show sources information
- As a Premium user you get access to the detailed source references and background information about this statistic.
- Show publisher information
- Release date
- March 2019
More information
- Region
- United States
- Survey time period
- 1995 to 2018
- Supplementary notes
- Percentage of non-performing loans equals total non-performing loans divided by total loans. Non-performing loans are those loans that bank managers classify as 90-days or more past due or nonaccrual in the call report.
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Statistics on "Personal debt in the United States"
- Overview
The most important statistics
- U.S. public debt held by the public and forecast from 2000 to 2029 (as a percentage of the GDP)U.S. public debt and forecast as a percentage of the GDP 2000-2029
- Household debt to GDP ratio in the United States from 1st quarter 2012 to 4th quarter 2016Household debt to GDP ratio in the U.S. 2012-2016
- Ratio of total debt to equity in the United States from 1st quarter 2010 to 4th quarter 2016Ratio of total debt to equity in the U.S. 2010-2016
- Household debt service payments as a share of disposable personal income in the United States from 1st quarter 2011 to 4th quarter 2018Household debt service payments as a share of disposable income in the U.S. 2011-2018
- Liability level of credit market instruments of households and nonprofit organizations in the United States from 1960 to 2018 (in trillion U.S. dollars)Credit market debt of households and nonprofit organizations in the U.S. 1960-2018
- Consumer credit debt of households and nonprofit organizations in the United States from 1st quarter 2011 to 3rd quarter 2018 (in trillion U.S. dollars)Consumer credit debt of households and nonprofit organizations in the U.S. 2011-2018
- Share of non-performing loans held by banks in the United States from 1995 to 2018Share of non-performing loans held by banks in the U.S. 1995-2018
- Value of debt owned by consumers in the United States as of September 2018, by type (in trillion U.S. dollars)Value of debt owned by consumers in the U.S. 2018, by type
- Family debt demographics
The most important statistics
- Share of families with debt in the United States in 2016, by type of debtShare of families with debt in the U.S. 2016, by type of debt
- Distribution of family debt in the United States from 2010 to 2016, by purposeDistribution of family debt in the U.S. 2010-2016
- Share of families with debt in the United States from 2007 to 2016, by family structureShare of families with debt in the United States 2007-2016, by family structure
- Ratio of debt payments to family income in the United States from 2001 to 2016Ratio of debt payments to family income in the U.S. 2001-2016
- Share of families with debt in the United States in 2016, by debt type and ethnicityShare of families with debt in the U.S. 2016, by debt type and ethnicity
- Share of families with debt in the United States from 2007 to 2016, by regionShare of families with debt in the U.S. 2007-2016, by region
- Share of families with debt in the United States from 2007 to 2016, by current occupation of family headShare of families with debt in the U.S. 2007-2016, by current occupation of head
- Share of families with debt in the United States from 2007 to 2016, by work status of family headShare of families with debt in the U.S. 2007-2016, by work status of family head
- Student debt
The most important statistics
- Distribution of student loan debt in the United States as of 2018Distribution of student loan debt in the U.S. 2018
- Total amount provided in student loans in the United States from 1997/98 to 2017/18 (in 2017 billion U.S. dollars)Total student loans provided in the U.S. from 1997 to 2018
- Share of total student loans provided in the United States, by source from 1996/97 to 2016/17Share of student loans provided in the U.S., by source from 1996 to 2017
- Number of recipients of federal student aid in the United States, by program 2017/18 (in millions)Recipients of federal student aid in the U.S. in 2017/18, by program
- Amount of undergraduate student aid provided in the United States in 2017-2018 (in billion U.S. dollars)U.S. undergraduate student aid by source and type, 2017-2018
- Estimated time needed for students to pay off college debt after graduation in the United States in 2017Time expected to pay back college debt after graduation in the U.S. in 2017
- Thinking about your student loan(s), did you ever default on payment?Share of defaults on student loans in the U.S. 2018, by age
- Attitudes towards debt
The most important statistics
- How much do you estimate your debt to be?Amount of personal debt held in the U.S. 2018
- What is your main source of debt?Main source of debt among consumers in the U.S. 2017-2018
- How many more years do you expect to be in debt?Time consumers expect to remain in debt in the U.S. 2018
- Consumer perception of selected types of debt in the United States in 2018Consumer perception of selected types of debt in the U.S. 2018
- Attitude of Americans towards paying off their credit card balance every month in 2017Attitude towards paying credit card balance off every month in the U.S. 2017
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Further Content: Statistics, Studies, and Topic Pages
Statistics
- Share of non-performing commercial loans held by banks in the U.S. 1995-2018
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- Distribution of unlikely-to-pay exposures of leading ten banks in Italy 2018
- Italy: share of non-performing exposures at MPS Bank 2014-2016, by type
- Italy: share of non-performing exposures at UBI Banca 2014-2016, by type
- Italy: share of non-performing exposures at BNL 2014-2015, by type
- Italy: gross non-performing exposures (NPEs) 2009- Q3 2016, by type
- Italy: bad loans coverage ratio 2010-2017
- Italy: gross non-performing exposures (NPEs) 2009- Q3 2016
- Share of customers using TSB products in the UK 2015, by age
- Non-performing loan as share of all loans at CIBC 2012-2015
- Share of non-performing loans and advances in Bulgaria in 2018
- Share of non-performing loans and advances in Bulgaria 2017-2018
- Value of loans and advances to large corporations in Poland 2010-2018
- Share of unsecured personal bank loan balances globally 2010-2017
- Northern Ireland banking: outstanding loans in Q3 2017, by sector
- Gross value of credit card loans in Poland 2010-2018
- Mexico: loan market share of selected banks 2018
- Car finance loan application outcomes in the United Kingdom (UK) 2012
Studies
- Non-performing loans in Central and Eastern Europe
- Consumer lending in the United Kingdom (UK)
- Mortgage market in Western European countries
- Mortgages in the United Kingdom (UK)
- Global Deleveraging Report 2017 - 2018
- Credit Conditions Survey
- Loan Market Report: East Africa 2016
- Personal debt in the United States
- The Dragon Wants to Spend
- Microloans in Europe
- Credit Conditions Survey
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Statistics on "Personal debt in the United States"
- U.S. public debt held by the public and forecast from 2000 to 2029 (as a percentage of the GDP)
- Household debt to GDP ratio in the United States from 1st quarter 2012 to 4th quarter 2016
- Ratio of total debt to equity in the United States from 1st quarter 2010 to 4th quarter 2016
- Household debt service payments as a share of disposable personal income in the United States from 1st quarter 2011 to 4th quarter 2018
- Liability level of credit market instruments of households and nonprofit organizations in the United States from 1960 to 2018 (in trillion U.S. dollars)
- Consumer credit debt of households and nonprofit organizations in the United States from 1st quarter 2011 to 3rd quarter 2018 (in trillion U.S. dollars)
- Share of non-performing loans held by banks in the United States from 1995 to 2018
- Value of debt owned by consumers in the United States as of September 2018, by type (in trillion U.S. dollars)
- Share of families with debt in the United States in 2016, by type of debt
- Distribution of family debt in the United States from 2010 to 2016, by purpose
- Share of families with debt in the United States from 2007 to 2016, by family structure
- Ratio of debt payments to family income in the United States from 2001 to 2016
- Share of families with debt in the United States in 2016, by debt type and ethnicity
- Share of families with debt in the United States from 2007 to 2016, by region
- Share of families with debt in the United States from 2007 to 2016, by current occupation of family head
- Share of families with debt in the United States from 2007 to 2016, by work status of family head
- Home mortgage debt of households and nonprofit organizations in the United States from 1st quarter 2012 to 1st quarter 2019 (in trillion U.S. dollars)
- Types of debt paid by parents for their adult children in the United States in 2017
- Distribution of student loan debt in the United States as of 2018
- Total amount provided in student loans in the United States from 1997/98 to 2017/18 (in 2017 billion U.S. dollars)
- Share of total student loans provided in the United States, by source from 1996/97 to 2016/17
- Number of recipients of federal student aid in the United States, by program 2017/18 (in millions)
- Amount of undergraduate student aid provided in the United States in 2017-2018 (in billion U.S. dollars)
- Estimated time needed for students to pay off college debt after graduation in the United States in 2017
- Thinking about your student loan(s), did you ever default on payment?
- How much do you estimate your debt to be?
- What is your main source of debt?
- How many more years do you expect to be in debt?
- Consumer perception of selected types of debt in the United States in 2018
- Attitude of Americans towards paying off their credit card balance every month in 2017
- Share of non-performing commercial loans held by banks in the United States from 1995 to 2018
- Share of non-performing exposures at the Italian banking and financial services company UniCredit in Italy from 2014 to 2016, by type
- Share of non-performing exposures at the Italian banking group Intesa Sanpaolo from 2014 to 2016, by type
- Distribution of unlikely-to-pay exposures of the ten largest banks in Italy as of 2018
- Share of non-performing exposures at the Italian banking and financial services company Monte dei Paschi di Siena (MPS) from 2014 to 2016, by type
- Share of non-performing exposures at the Italian banking and financial services company UBI Banca from 2014 to 2016, by type
- Share of non-performing exposures at the Italian banking and financial services company Banca Nazionale del Lavoro (BNL) in 2014 and 2015, by type
- Gross non-performing exposures (NPEs) in the Italian banking system from 2009 to the third quarter of 2016, by type (in billion euros)
- Bad loans coverage ratio in the Italian banking system from 2010 to January 2017
- Gross non-performing exposures (NPEs) in the Italian banking system from 2009 to the third quarter of 2016 (in billion euros)
- United Kingdom: Which, if any, of the products listed do you have from TSB Bank plc?
- Non-performing loans as share of all loans at the Canadian Imperial Bank of Commerce from 2012 to 2015
- Total share of non-performing loans and advances in Bulgaria as of March 2018*, by sector
- Total share of non-performing loans and advances in Bulgaria from March 2017 to March 2018*
- Gross value of loans and advances to large corporations in Poland from 2010 to 2018* (in million Polish zloty)
- Proportion of unsecured personal bank loan balances worldwide from 2010 to 2017
- Outstanding loans by sector in Northern Ireland as of the 3rd quarter 2017 (in million GBP)
- Gross value of credit card lending on households in Poland from 2010 to 2018* (in billion Polish zloty)
- Loans market share of selected banks in Mexican in 2018
- Outcome of applications for car finance loans in the United Kingdom (UK) in 2012 *
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