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Credit Stress

Risk and liquidity

Above own average
1of 5

Only one credit measure sits above its average

In plain words

Four of the five bank credit measures are below their long-run average, which suggests fewer borrowers are falling behind on loans. One is just above its average: losses on business loans that banks have written off.

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Written by AI from the numbers on this page. Not advice.

All loans - delinquency

Latest - Q2 2026 1.42% -
Average since 2006 2.77% -
Range low 1.19% -
Range high 7.35% -
Position in range 3.73% -

All loans - annualised charge-offs

Latest - Q2 2026 0.55% -
Average since 2006 0.83% -
Range low 0.19% -
Range high 3.02% -
Position in range 12.72% -

Business loans - delinquency

Latest - Q2 2026 1.27% -
Average since 2006 1.48% -
Range low 0.72% -
Range high 4.39% -
Position in range 14.99% -

Business loans - annualised charge-offs

Latest - Q2 2026 0.58% -
Average since 2006 0.58% -
Range low 0.12% -
Range high 2.57% -
Position in range 18.78% -

Banks tightening business loan standards

Latest - Q4 2026 1.70net percent -
Average since 2006 6.26net percent -
Range low -32.40net percent -
Range high 83.60net percent -
Position in range 29.40% -

Leads to

Credit Stress

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Bank credit measures

This compares bank loan quality and lending standards with their own histories. It is not a bond spread index or a private credit default measure.

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