Data · Updated quarterly
Business-loan delinquency by state: bank C&I data, Q2 2026
How much of U.S. banks' commercial and industrial (C&I) lending was behind schedule in mid-2026, grouped by the state where each bank is headquartered, and how banks with $1 billion or more in C&I loans moved over the year.
Last updated October 24, 2026. Latest call-report quarter: Q2 2026 (June 30, 2026). Source: FDIC call reports via BankWatch Pro.
Key figures
- At the 478 banks in the sample, 1.21% of C&I loans were 30 or more days past due or on nonaccrual at June 30, 2026, compared with 1.23% a year earlier. (Source: FDIC call reports via BankWatch Pro, Q2 2026 (June 30, 2026) and Q2 2025 (June 30, 2025).)
- That was $28.9 billion of $2,379.9 billion in C&I loans: $6.7 billion 30–89 days past due, $1.9 billion 90+ days past due and still accruing, and $20.3 billion on nonaccrual. (Source: FDIC call reports via BankWatch Pro, Q2 2026 (June 30, 2026).)
- Of 458 banks with C&I loans in both quarters, the past-due-or-nonaccrual share rose at 226, fell at 211 and was unchanged at 21. (Source: FDIC call reports via BankWatch Pro, Q2 2026 (June 30, 2026) and Q2 2025 (June 30, 2025).)
- Across all U.S. commercial banks, the Federal Reserve's business-loan delinquency rate was 1.27% in Q2 2026, seasonally adjusted. (Source: Board of Governors of the Federal Reserve System via FRED, series DRBLACBS, data through Q2 2026.)
Why it matters to business creditors
C&I loans are bank loans to businesses. When a larger share of them is past due, it is one public sign that some businesses are under payment strain. Credit managers sometimes read these figures alongside their own receivables aging when they review credit terms. The data covers bank loans only. It doesn't measure trade credit, invoice payments or any particular customer, and it isn't a forecast.
By bank headquarters state
Each bank's loans are counted in the state where the bank is headquartered, not where its borrowers are. A few very large banks therefore dominate some states. States with few banks in the sample can swing sharply from one bad loan. (Source: FDIC call reports via BankWatch Pro, Q2 2026 (June 30, 2026) and Q2 2025 (June 30, 2025).)
This table shows every state and territory with at least one bank in the sample, for information. CollectionPlacement matches creditors only in 31 states and DC; see the list of states we serve. States and territories in this table that we don't serve: Alaska, Arizona, Arkansas, California, Florida, Guam, Hawaii, Idaho, Indiana, Massachusetts, Nebraska, Nevada, New Jersey, North Carolina, North Dakota, Oregon, Puerto Rico, Tennessee, Texas, Washington, West Virginia.
| State | Banks | C&I loans, Q2 2026 ($B) | Past due or nonaccrual, Q2 2026 ($M) | Share, Q2 2025 | Share, Q2 2026 | Change (pts) |
|---|---|---|---|---|---|---|
| Alabama | 6 | 31.6 | 495.8 | 1.59% | 1.57% | -0.02 |
| Alaska | 2 | 1.1 | 13.3 | 1.47% | 1.25% | -0.22 |
| Arizona | 2 | 12.0 | 44.5 | 0.83% | 0.37% | -0.46 |
| Arkansas | 9 | 14.5 | 113.8 | 1.12% | 0.79% | -0.33 |
| California | 36 | 46.5 | 644.2 | 1.35% | 1.39% | +0.04 |
| Colorado | 5 | 3.5 | 58.5 | 2.01% | 1.65% | -0.36 |
| Connecticut | 5 | 11.9 | 237.7 | 2.27% | 1.99% | -0.28 |
| Delaware | 7 | 149.3 | 1,389.1 | 0.87% | 0.93% | +0.06 |
| Florida | 16 | 29.4 | 522.8 | 1.92% | 1.78% | -0.14 |
| Georgia | 6 | 4.9 | 77.9 | 1.73% | 1.60% | -0.13 |
| Guam | 1 | 0.2 | 9.5 | 6.37% | 4.54% | -1.83 |
| Hawaii | 4 | 3.9 | 16.9 | 0.27% | 0.43% | +0.16 |
| Idaho | 1 | 0.1 | 1.1 | 0.42% | 0.79% | +0.37 |
| Illinois | 30 | 95.4 | 1,357.6 | 1.84% | 1.42% | -0.42 |
| Indiana | 14 | 29.6 | 412.9 | 1.61% | 1.40% | -0.21 |
| Iowa | 7 | 3.3 | 30.0 | 1.16% | 0.90% | -0.26 |
| Kansas | 6 | 3.5 | 59.6 | 2.02% | 1.68% | -0.34 |
| Kentucky | 5 | 3.1 | 17.3 | 0.22% | 0.55% | +0.33 |
| Louisiana | 7 | 5.8 | 103.5 | 2.09% | 1.79% | -0.30 |
| Maine | 7 | 2.1 | 31.3 | 2.80% | 1.51% | -1.29 |
| Maryland | 5 | 4.2 | 106.8 | 1.67% | 2.55% | +0.88 |
| Massachusetts | 20 | 16.8 | 205.0 | 0.83% | 1.22% | +0.39 |
| Michigan | 7 | 4.2 | 24.5 | 0.45% | 0.58% | +0.13 |
| Minnesota | 7 | 3.6 | 37.9 | 0.90% | 1.06% | +0.16 |
| Mississippi | 8 | 14.1 | 148.9 | 0.90% | 1.06% | +0.16 |
| Missouri | 16 | 34.1 | 267.9 | 0.62% | 0.79% | +0.17 |
| Montana | 3 | 3.3 | 64.9 | 1.87% | 1.99% | +0.12 |
| Nebraska | 4 | 4.8 | 39.0 | 1.12% | 0.82% | -0.30 |
| Nevada | 3 | 3.8 | 1.7 | 9.89% | 0.04% | -9.85 |
| New Hampshire | 2 | 0.2 | 0.5 | 0.00% | 0.32% | +0.32 |
| New Jersey | 15 | 17.2 | 265.5 | 1.57% | 1.54% | -0.03 |
| New York | 31 | 96.7 | 2,248.0 | 2.30% | 2.32% | +0.02 |
| North Carolina | 9 | 442.6 | 4,163.6 | 0.92% | 0.94% | +0.02 |
| North Dakota | 6 | 4.9 | 66.6 | 1.23% | 1.37% | +0.14 |
| Ohio | 15 | 505.2 | 6,579.1 | 1.46% | 1.30% | -0.16 |
| Oklahoma | 9 | 16.7 | 154.2 | 0.81% | 0.93% | +0.12 |
| Oregon | 1 | 7.6 | 84.4 | 1.27% | 1.11% | -0.16 |
| Pennsylvania | 22 | 27.9 | 332.4 | 1.34% | 1.19% | -0.15 |
| Puerto Rico | 3 | 8.0 | 288.5 | 0.96% | 3.62% | +2.66 |
| Rhode Island | 4 | 28.8 | 214.9 | 0.99% | 0.75% | -0.24 |
| South Carolina | 2 | 4.8 | 44.5 | 0.86% | 0.93% | +0.07 |
| South Dakota | 9 | 374.0 | 3,649.4 | 0.75% | 0.98% | +0.23 |
| Tennessee | 8 | 44.4 | 314.5 | 0.65% | 0.71% | +0.06 |
| Texas | 40 | 43.7 | 866.7 | 1.86% | 1.99% | +0.13 |
| Utah | 23 | 120.6 | 1,494.4 | 1.39% | 1.24% | -0.15 |
| Virginia | 11 | 70.3 | 1,284.8 | 1.80% | 1.83% | +0.03 |
| Washington | 6 | 5.9 | 112.5 | 0.76% | 1.92% | +1.16 |
| West Virginia | 3 | 3.4 | 46.4 | 0.99% | 1.37% | +0.38 |
| Wisconsin | 10 | 16.5 | 131.5 | 0.67% | 0.80% | +0.13 |
How banks of $1 billion or more in C&I loans moved
Of the 183 banks in the sample with at least $1 billion in C&I loans at June 30, 2026, 90 saw both the dollar amount and the share of C&I loans past due or on nonaccrual rise from a year earlier. At a single bank, one large loan can move the share sharply. (Source: FDIC call reports via BankWatch Pro, Q2 2026 (June 30, 2026) and Q2 2025 (June 30, 2025).)
Note. Figures come from public regulatory data and are grouped by bank headquarters state. They are not a rating of any bank's safety or soundness.
How we calculated this
- Measure: C&I loans 30–89 days past due (FDIC field P3CI) plus 90 or more days past due and still accruing (P9CI) plus nonaccrual (NACI), divided by total C&I loans (LNCI). Amounts are as reported in the call reports.
- Sample: the 500 largest FDIC-insured banks by total assets in BankWatch Pro's institution directory (the smallest of the 500 listed $2.6 billion in total assets). 478 of them reported all four fields for both quarters and are included. Smaller banks are not included.
- Quarters: Q2 2026 (June 30, 2026), the latest call-report quarter available, compared with Q2 2025 (June 30, 2025).
- State: the bank's headquarters state in the FDIC institution record.
- National rate: the Federal Reserve series DRBLACBS covers all commercial banks and is seasonally adjusted, so it differs from the sample totals above.
- Refresh: we update this page quarterly after new call-report data is published.
Related: B2B debt collection guide · Commercial collection agencies · How to send an account to collections · Collections by state
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