The catalogue › The United States

The national note · prepared 8 September 2026

The United States

4,257 banks and 4,336 credit unions read from their latest filings, every state ranked against the others and the largest institutions against each other.

Small-business lending ↓

The regions Great Lakes · Mid-Atlantic · Mountain West · New England · Pacific · Plains · South Central · Southeast · Southwest

Banks

4,257 banks filing across 51 states · read from the 30 June 2026 Call Report

4,257

banks filing

$26.72T in assets

+9.4%

Loans, year over year

on the banks filing at both dates

16.8%

CRE / loans

in aggregate

67%

Loans / deposits

in aggregate

0.93%

Noncurrent / loans

-3 bps on a year earlier

9.8%

Equity / assets

in aggregate

The country's 4,257 banks hold $26.72T in assets at 30 June 2026. JPMorgan Chase Bank N.A. is the largest at $4.09T, and the five largest hold 43% of the total; 975 institutions are above $1B, holding $23.32T.

Loans grew +9.4% in the year on the banks filing at both dates, fastest in Tennessee at +37.4% and slowest in Hawaii at +1.6%. Noncurrent loans are 0.93% of the book, down 3 basis points on a year earlier; the rate rose in 29 states and fell in 22, rising most in Oklahoma (+113 bps) and highest outright in Oklahoma at 5.13%.

By category, construction & land loans went late the most, the noncurrent rate +15 bps to 0.98%, then 1-4 family residential (+13 bps to 1.41%); nonfarm nonresidential improved the most, -15 bps. Commercial real estate is 16.8% of loans in aggregate, heaviest in District of Columbia at 57.8%; the banks lend 67% of their deposits, and equity is 9.8% of assets.

The largest banks, by size

the twenty largest in each band nationally; each has its own read in the catalogue

Under $1B: the 20 largest of 3,192banks across the country, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Vision Bank	OK	$1000M	+1.5%	29.5%	84%	2.59%	1.23%	7.3%
2	Farmers & Merchants Bank	NC	$999M	+2.1%	61.6%	64%	0.79%	2.52%	15.0%
3	HCN Bank	CA	$998M	+8.9%	90.8%	93%	0.00%	2.18%	11.4%
4	Bank of Old Monroe	MO	$995M	+21.1%	42.9%	73%	0.00%	1.54%	7.1%
5	First Federal Community Bank N.A.	OH	$995M	+13.9%	13.0%	85%	0.08%	1.81%	8.8%
6	Peoples State Bank	WI	$993M	+13.1%	23.2%	80%	0.21%	1.43%	10.2%
7	Ciera Bank	TX	$993M	+13.1%	56.1%	88%	1.22%	1.48%	11.2%
8	First Federal Bank of Kansas County	MO	$993M	+1.0%	10.8%	111%	0.45%	0.41%	10.7%
9	Tennessee State Bank	TN	$991M	+8.0%	48.3%	81%	0.11%	1.21%	8.6%
10	Hometown Bank National Association	TX	$990M	+7.1%	48.4%	78%	0.04%	1.08%	9.5%
11	Farmers National Bank of Danville	KY	$990M	+5.2%	26.7%	95%	1.78%	1.32%	9.9%
12	First National Bank of Michigan	MI	$989M	+6.5%	60.4%	102%	0.80%	0.99%	9.1%
13	Haven Savings Bank	NJ	$987M	-6.0%	47.4%	91%	0.40%	-0.36%	8.8%
14	Midwest Bank	MN	$985M	+19.7%	29.9%	113%	0.05%	2.46%	9.5%
15	Coastal Heritage Bank	MA	$984M	-3.3%	25.9%	96%	0.60%	0.38%	11.0%
16	First National Bankers Bank	LA	$983M	-3.1%	59.2%	142%	0.78%	0.83%	16.8%
17	International Bank of Chicago	IL	$983M	-2.0%	41.7%	87%	0.05%	1.82%	11.6%
18	First Northern Bank of Wyoming	WY	$983M	+21.9%	21.9%	74%	0.54%	1.15%	7.0%
19	Beacon Community Bank	SC	$982M	+9.3%	26.2%	110%	0.02%	0.48%	8.0%
20	Tolleson Private Bank	TX	$982M	+1.0%	11.5%	89%	0.00%	1.58%	8.7%

$1B to $3B: the 20 largest of 628banks across the country, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Northwest Bank	IA	$3.00B	+5.0%	27.5%	95%	0.23%	1.34%	9.8%
2	Nelnet Bank	UT	$3.00B	+99.9%	2.3%	66%	2.17%	1.08%	15.5%
3	Susser Bank	TX	$2.99B	+12.8%	34.1%	83%	0.42%	0.96%	10.3%
4	Maine Community Bank	ME	$2.98B	+8.6%	46.3%	108%	0.46%	1.15%	9.4%
5	First Fidelity Bank	OK	$2.98B	+7.9%	44.1%	86%	0.46%	1.12%	8.4%
6	Fidelity Deposit & Discount Bank	PA	$2.97B	+13.7%	26.4%	82%	0.08%	1.13%	8.5%
7	Tib National Association	TX	$2.96B	-6.3%	15.1%	75%	0.84%	1.68%	14.6%
8	Texas Regional Bank	TX	$2.95B	+12.5%	47.5%	72%	0.59%	0.28%	9.2%
9	West Coast Community Bank	CA	$2.94B	+7.7%	59.5%	90%	0.50%	2.04%	13.5%
10	First Federal Savings & Loan Association of Lakewood	OH	$2.94B	-1.8%	15.1%	109%	0.44%	0.57%	8.0%
11	Minnwest Bank	MN	$2.94B	+6.4%	37.3%	92%	0.56%	1.16%	11.5%
12	Bryant Bank	AL	$2.94B	-2.8%	43.9%	57%	0.07%	1.58%	9.4%
13	Nextier Bank National Association	PA	$2.93B	+2.1%	43.3%	87%	1.49%	1.38%	10.6%
14	Wayne Bank	PA	$2.91B	+26.9%	25.0%	89%	1.21%	0.95%	9.3%
15	Cedar Rapids Bank & Trust Co.	IA	$2.90B	+8.6%	56.6%	97%	0.54%	2.71%	16.9%
16	National Exchange Bank & Trust	WI	$2.89B	+1.1%	46.5%	75%	0.37%	1.67%	19.8%
17	American First National Bank	TX	$2.89B	-0.0%	47.1%	99%	0.42%	2.14%	14.2%
18	Merchants Bank National Association	MN	$2.88B	-1.5%	34.0%	83%	0.53%	1.24%	11.9%
19	West Texas National Bank	TX	$2.88B	+1.2%	27.2%	59%	1.67%	1.59%	10.2%
20	Jefferson Bank	TX	$2.88B	+4.5%	35.5%	76%	0.75%	1.11%	8.6%

$3B to $10B: the 20 largest of 268banks across the country, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	S & Trust Bank	PA	$9.94B	+1.6%	44.9%	99%	0.50%	1.48%	13.8%
2	Tri Counties Bank	CA	$9.93B	+5.1%	55.1%	87%	0.94%	1.38%	13.9%
3	Byline Bank	IL	$9.91B	+2.9%	23.3%	96%	0.93%	1.66%	14.1%
4	Principal Bank	IA	$9.84B	+13.5%	0.0%	32%	0.44%	1.60%	5.0%
5	Capitol Federal Savings Bank	KS	$9.68B	+1.8%	23.1%	118%	0.62%	0.90%	10.1%
6	Eaglebank	MD	$9.62B	-14.0%	50.8%	81%	2.05%	0.49%	12.2%
7	RBC Bank Georgia N.A.	GA	$9.59B	+54.7%	0.0%	51%	0.41%	2.31%	10.0%
8	Wintrust Bank National Association	IL	$9.57B	+0.4%	31.2%	96%	0.36%	1.96%	11.6%
9	Peoples Bank	OH	$9.53B	+3.3%	25.2%	91%	0.60%	1.30%	12.7%
10	Amalgamated Bank	NY	$9.41B	+9.2%	44.1%	61%	1.99%	1.31%	9.2%
11	Liberty Bank	CT	$9.38B	+13.4%	45.9%	103%	0.32%	1.28%	13.1%
12	1st Source Bank	IN	$9.26B	+1.7%	10.7%	97%	0.99%	1.95%	13.6%
13	Lake Forest Bank & Trust Co. N.A.	IL	$9.25B	+6.2%	15.4%	95%	0.34%	2.04%	9.5%
14	Union Bank & Trust Co.	NE	$9.24B	+5.0%	36.4%	93%	0.32%	1.64%	10.8%
15	First American Trust FSB	CA	$9.23B			0%		1.36%	5.6%
16	Bcorp Bank National Association	SD	$9.21B	+7.0%	33.6%	96%	1.33%	2.86%	9.6%
17	Pinnacle Bank	NE	$9.18B	+7.7%	41.8%	84%	0.07%	1.44%	9.7%
18	First Mid Bank & Trust N.A.	IL	$9.14B	+20.2%	41.0%	91%	0.58%	1.09%	11.8%
19	Merrick Bank	UT	$9.13B	+1.5%	0.0%	117%	3.52%	2.53%	17.6%
20	American Savings Bank N.A.	HI	$9.05B	+2.4%	25.3%	76%	0.19%	1.23%	7.7%

$10B to $20B: the 20 largest of 54banks across the country, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	Apple Bank	NY	$19.89B	+6.6%	49.4%	86%	0.44%	0.39%	8.1%
2	Stifel Bank & Trust	MO	$19.62B	+6.6%	9.0%	87%	1.09%	1.94%	6.8%
3	Trustmark Bank	MS	$19.19B	+3.9%	35.5%	88%	1.14%	1.33%	11.6%
4	Bank of Hope	CA	$18.99B	+4.1%	38.5%	94%	0.88%	0.74%	12.4%
5	Servisfirst Bank	AL	$18.34B	+9.3%	46.1%	99%	1.18%	1.88%	10.9%
6	Busey Bank	IL	$18.15B	-4.5%	38.2%	87%	0.51%	1.34%	13.7%
7	Third Federal Savings & Loan Association of Cleveland	OH	$18.06B	+3.6%	0.0%	160%	0.25%	0.61%	9.9%
8	Community Bank National Association	NY	$17.45B	+7.3%	25.2%	76%	0.50%	1.17%	9.6%
9	Enterprise Bank & Trust	MO	$17.36B	+4.2%	31.7%	81%	0.98%	1.10%	11.8%
10	Northwest Bank	PA	$17.21B	+16.6%	14.8%	92%	0.69%	1.32%	11.6%
11	Toyota Financial Savings Bank	NV	$16.79B	+59.4%	10.9%	65%	0.20%	0.39%	10.2%
12	Firstbank	TN	$16.76B	+30.4%	37.8%	91%	1.40%	1.47%	11.7%
13	First United Bank & Trust Co.	OK	$16.59B	+0.1%	38.3%	96%	1.69%	0.91%	9.7%
14	Banner Bank	WA	$16.59B	+2.5%	41.8%	87%	0.46%	1.29%	11.9%
15	Bank of Baroda	NY	$16.24B	+14.5%	0.0%	105%	0.00%
16	NBT Bank National Association	NY	$16.09B	+2.1%	31.1%	87%	0.55%	1.21%	11.6%
17	Live Oak Banking Co.	NC	$15.96B	+15.6%	23.8%	90%	4.01%	0.96%	7.6%
18	Safra National Bank of New York	NY	$15.69B	+24.8%	30.4%	26%	0.00%	0.97%	8.6%
19	Sunflower Bank National Association	TX	$15.65B	+77.5%	35.3%	87%	1.63%	0.22%	12.3%
20	Nicolet National Bank	WI	$15.39B	+64.5%	28.6%	87%	0.63%	1.01%	15.0%

Over $20B: the 20 largest of 107banks across the country, 30 June 2026; navy, the stronger half of each column; amber, the weaker; a name links to the bank's own read

	Bank	State	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	ROA	Equity / assets
1	JPMorgan Chase Bank N.A.	OH	$4091.32B	+9.4%	10.6%	55%	0.78%	1.54%	8.3%
2	Bank of America N.A.	NC	$2654.64B	+6.0%	4.6%	57%	0.65%	1.11%	9.1%
3	Citibank National Association	SD	$1976.18B	+8.5%	3.3%	49%	0.66%	1.02%	8.7%
4	Wells Fargo Bank N.A.	SD	$1907.93B	+11.5%	10.4%	64%	1.04%	1.36%	8.9%
5	Goldman Sachs Bank USA	NY	$758.79B	+19.6%	5.4%	50%	1.04%	1.12%	7.9%
6	U S Bank National Association	OH	$705.55B	+8.1%	10.1%	76%	1.45%	1.25%	9.8%
7	Capital One National Association	VA	$662.16B	+2.2%	5.0%	89%	1.49%	1.64%	14.9%
8	PNC Bank National Association	DE	$609.77B	+12.6%	9.9%	81%	0.74%	1.30%	10.4%
9	Truist Bank	NC	$548.35B	+3.9%	10.0%	79%	0.72%	1.15%	11.5%
10	Bank of New York Mellon	NY	$425.12B	+31.6%	10.3%	13%	0.04%	1.56%	6.9%
11	Morgan Stanley Bank N.A.	UT	$419.32B	+20.7%	8.0%	41%	0.47%	1.40%	9.7%
12	State Street Bank & Trust Co.	MA	$412.62B	+10.3%	4.4%	16%	0.56%	1.04%	7.1%
13	TD Bank National Association	DE	$342.80B	-3.6%	14.3%	60%	1.11%	0.83%	13.3%
14	Fifth Third Bank N.A.	OH	$299.18B	+45.8%	12.0%	74%	0.84%	0.87%	12.6%
15	Huntington National Bank	OH	$283.07B	+40.9%	12.9%	84%	1.06%	1.00%	11.8%
16	BMO Bank National Association	IL	$254.97B	-0.5%	14.6%	73%	0.92%	0.15%	14.3%
17	Charles Schwab Bank SSB	TX	$250.83B	+39.1%	0.0%	30%	0.04%	1.30%	7.2%
18	Morgan Stanley Private Bank N.A.	NY	$250.43B	+19.9%	3.7%	88%	0.20%	1.13%	6.8%
19	First-citizens Bank & Trust Co.	NC	$236.32B	+6.8%	14.5%	87%	1.12%	1.02%	9.8%
20	Citizens Bank National Association	RI	$232.52B	+5.5%	15.4%	79%	1.36%	0.99%	11.4%

Noncurrent loans, share of loans, by stateevery bank in the state summed, 30 June 2026; 90 days or more past due and still accruing, plus nonaccrual, over loans; darker is higher

Oklahoma carries the highest rate at 5.13%, 83% of it one institution, MidFirst Bank at 18.3% of its own book, then District of Columbia at 2.09%; Hawaii the lowest at 0.26%. The country in aggregate sits at 0.93%.

Where noncurrent loans rose, and where they fellthe change in the rate on 30 June 2025, in basis points; amber rose, navy fell

The rate rose in 29 of 51 states and fell in 22. It rose most in Oklahoma (+113 bps) and District of Columbia (+95 bps), and fell most in Nevada (-160 bps).

Where borrowers are going late, by loan categorythe noncurrent rate on each category a year ago and now, every bank in the country summed; the widest rise first; from Schedule RC-N as FDIC serves it; a small category moves on a few loans

Construction & land loans deteriorated the most, +15 bps to 0.98% noncurrent; 1-4 family residential +13 bps to 1.41%. 5 of the 11 categories improved. The highest rate outright among the categories that matter to the book is home equity lines at 1.51%.

The delinquency ladder by categoryeach category's balance and the share of it 30 to 89 days past due, 90 days or more and still accruing, and on nonaccrual; noncurrent is the last two together, with its change on a year earlier

Category	Balance	30 to 89	90+	Nonaccrual	Noncurrent	YoY
Construction & land	$459B	0.35%	0.05%	0.94%	0.98%	+15 bps
Multifamily	$670B	0.31%	0.05%	1.05%	1.09%	+5 bps
Nonfarm nonresidential	$1.95T	0.28%	0.05%	1.18%	1.23%	-15 bps
1-4 family residential	$2.96T	0.59%	0.63%	0.78%	1.41%	+13 bps
Home equity lines	$307B	0.52%	0.05%	1.45%	1.51%	-11 bps
Commercial & industrial	$2.62T	0.30%	0.08%	0.85%	0.93%	+1 bps
Consumer	$2.10T	1.50%	0.81%	0.25%	1.06%	-5 bps
Credit card	$1.19T	1.37%	1.36%	0.08%	1.44%	-10 bps
Auto	$552B	2.12%	0.02%	0.64%	0.66%	+3 bps
Agricultural production	$89.1B	0.05%	0.00%	0.16%	0.17%	-2 bps
Farmland	$124B	0.44%	0.13%	0.77%	0.90%	+4 bps
All loans and leases	$14.08T	0.51%	0.28%	0.65%	0.93%	-3 bps

The noncurrent rate by category since 2008each category's noncurrent share of its own balance, quarterly, every bank in the country summed; bold, the category rising most this year

Construction & land peaked at 16.8% in 2010 and stands at 0.98% now, 6% of that peak. The scale of the last cycle is the point of the chart: every category's rate today sits against where it went then.

Loans, year over year, by state30 June 2026 against a year earlier on the banks filing at both dates; no better direction

Tennessee grew fastest at +37.4%, 81% of the added loans in one institution, Pinnacle Bank, whose book went from $37.3B to $88.7B in the year; 42 states grew faster than 5% and 0 shrank, Hawaii the most at +1.6%.

Commercial real estate, share of loans, by stateconstruction, multifamily and non-owner-occupied nonresidential over loans, every bank in the state summed, 30 June 2026

District of Columbia is the most CRE-weighted at 57.8% of loans, then New Jersey at 48.4%; 24 states sit above 30%, against 16.8% in aggregate.

Early delinquency: 30 to 89 days past due, by stateloans 30 to 89 days past due and still accruing, over loans, every bank in the state summed, 30 June 2026; the leading edge of the ladder

Virginia has the most loans in the early bucket at 1.57%; the aggregate is 0.51%. Loans here are a quarter or two ahead of the noncurrent figure above, which is why the two maps are read together.

What the country's banks lendthe loan book of every bank summed by category as filed, 30 June 2026

Other loans and leases (nondepository financials, foreign, leases) is the largest category at 20.8% of $14.08T in loans, then 1-4 family residential, closed-end at 18.8% and Commercial & industrial at 18.6%.

Who holds the country's bank assetseach institution's share of the $26.72T the country's 4257 hold; the largest first, amber in the catalogue

JPMorgan Chase Bank N.A. holds 15.3% of the total; the five largest hold 43%, and 975 of the 4,257 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve

43% of the assets sit in 0.1% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

The consolidation: banks filing since 2008the count of banks filing each quarter; assets at the ends in the read

8,477 banks filed in 2008 Q1 holding $13.43T; 4,257 file now holding $26.72T. 50% fewer charters hold 99% more in assets.

Noncurrent loans since 2008every bank in the country summed, quarterly

The rate peaked at 5.43% in 2010 and stands at 0.93%, 17% of that peak.

Loans, year over year: banks over $1B30 June 2026 against a year earlier; the fastest fifteen; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 973 · amber, in the catalogue

Beacon Bank & Trust (Massachusetts) grew fastest at +229.1%; the median among banks over $1B is +6.2%. A jump this size is usually an acquisition or a charter's first full year, both visible in the institution's own filing.

Commercial real estate, share of loans: banks over $1B30 June 2026; construction, multifamily and non-owner-occupied nonresidential; the fifteen heaviest; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 974 · amber, in the catalogue

State Bank of Texas (Texas) is the most CRE-weighted at 98.8% of loans; 147 of the 975 are above half the book.

Nonperforming loans, share of loans: banks over $1B30 June 2026; the fifteen highest, as each filed; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 974 · amber, in the catalogue

Monet Bank (Texas) carries the highest rate at 25.76%; 79 of the 975 are above 2%, and the median is 0.55%. A rate is a filed fact, not a finding; the allowance beside it and the trend behind it are on the institution's own page where it is in the catalogue.

Loans to deposits: banks over $1B30 June 2026; the fifteen highest; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 975 · amber, in the catalogue

142 of the 975 lend more than they hold in deposits, Hingham Institution for Savings (Massachusetts) the furthest at 150%; the median is 87%.

Return on assets: banks over $1B30 June 2026; the fifteen highest; excluding card, consumer, mortgage, trust and industrial charters · the 15 highest of 967 · amber, in the catalogue

Crescent Bank (Louisiana) earns the most at 8.17%; 76 of the 975 earn under 0.50%, and the median is 1.24%.

Every state, 30 June 2026largest first; navy, the stronger half of each column; amber, the weaker; darker at the ends; growth on the institutions filing at both dates

State	Banks	Assets	Loans YoY	CRE / loans	Loans / deposits	Noncurrent	YoY	30 to 89 days	ROA, median	Equity / assets
Ohio	157	$5.72T	+12.7%	11.4%	62%	0.91%	-0 bps	0.43%	1.00%	9.0%
South Dakota	56	$3.94T	+10.1%	7.8%	57%	0.89%	-19 bps	0.43%	1.36%	8.8%
North Carolina	38	$3.50T	+5.7%	7.3%	63%	0.73%	-0 bps	0.37%	1.07%	9.5%
New York	121	$2.29T	+13.2%	16.5%	59%	1.04%	-18 bps	0.36%	0.97%	8.0%
Utah	45	$1.37T	+10.2%	5.2%	80%	0.80%	-12 bps	1.03%	1.86%	10.0%
Delaware	17	$1.17T	+6.7%	12.7%	72%	1.01%	-8 bps	0.51%	2.20%	11.8%
Virginia	56	$1.00T	+2.8%	12.0%	80%	1.32%	-16 bps	1.57%	1.22%	13.8%
Texas	349	$804B	+11.3%	27.9%	57%	0.79%	+11 bps	0.48%	1.42%	10.2%
Illinois	326	$778B	+4.2%	23.3%	68%	0.84%	-13 bps	0.34%	1.14%	11.5%
Massachusetts	91	$637B	+16.1%	29.5%	44%	0.67%	+11 bps	0.25%	0.61%	8.8%
California	116	$566B	+8.3%	36.8%	83%	0.80%	+18 bps	0.39%	1.08%	11.6%
Florida	82	$347B	+8.7%	30.9%	87%	0.92%	-6 bps	0.30%	1.00%	10.7%
Pennsylvania	110	$343B	+8.0%	26.4%	88%	0.60%	+4 bps	0.32%	0.95%	11.1%
Tennessee	109	$318B	+37.4%	29.1%	88%	0.70%	-4 bps	0.28%	1.09%	11.2%
Missouri	194	$303B	+10.0%	26.3%	79%	0.68%	+9 bps	0.38%	1.39%	10.3%
Rhode Island	5	$246B	+5.3%	17.1%	80%	1.34%	-1 bps	0.30%	0.90%	11.3%
Alabama	93	$230B	+3.8%	18.8%	77%	0.95%	+3 bps	0.44%	1.08%	10.9%
Indiana	88	$223B	+6.9%	32.5%	90%	0.86%	-5 bps	0.35%	1.06%	11.0%
New Jersey	50	$219B	+8.8%	48.4%	93%	0.87%	+4 bps	0.35%	0.67%	11.8%
Oklahoma	170	$213B	+7.0%	29.8%	87%	5.13%	+113 bps	1.55%	1.40%	10.5%
Arizona	12	$208B	+8.2%	13.4%	65%	2.08%	+53 bps	0.50%	0.58%	6.8%
Arkansas	78	$184B	+5.7%	41.4%	88%	0.84%	+26 bps	0.37%	1.22%	12.6%
Wisconsin	154	$183B	+13.3%	31.7%	93%	0.58%	+2 bps	0.29%	1.24%	11.8%
Mississippi	57	$130B	+6.4%	32.4%	82%	0.85%	+5 bps	0.49%	1.13%	12.2%
Connecticut	28	$130B	+7.9%	35.7%	87%	0.71%	-20 bps	0.19%	0.82%	11.5%
Iowa	226	$128B	+5.4%	26.4%	83%	0.64%	-2 bps	0.41%	1.34%	10.6%
Minnesota	223	$116B	+7.1%	27.9%	67%	0.78%	+2 bps	0.58%	1.30%	9.5%
Nebraska	139	$111B	+6.3%	26.6%	87%	0.65%	+4 bps	0.63%	1.33%	11.0%
Georgia	124	$105B	+14.1%	33.0%	83%	0.64%	+1 bps	0.54%	1.53%	12.1%
Kansas	185	$95.1B	+7.8%	26.9%	82%	0.78%	+13 bps	0.50%	1.41%	10.5%
Washington	29	$92.4B	+3.0%	39.7%	89%	0.71%	+8 bps	0.29%	0.96%	11.4%
Kentucky	120	$84.9B	+6.4%	31.1%	85%	0.55%	+11 bps	0.46%	1.25%	10.9%
Louisiana	104	$82.7B	+4.3%	32.3%	80%	1.16%	-12 bps	0.64%	1.19%	11.6%
Montana	35	$78.1B	+2.6%	40.5%	78%	0.70%	+5 bps	0.32%	1.43%	12.4%
Oregon	13	$73.7B	+22.4%	41.2%	90%	0.60%	+11 bps	0.28%	1.07%	12.0%
Michigan	72	$72.5B	+9.1%	23.1%	96%	0.92%	+21 bps	0.45%	1.14%	10.5%
South Carolina	44	$65.7B	+7.4%	30.7%	81%	0.42%	+1 bps	0.28%	1.08%	10.9%
Hawaii	6	$65.6B	+1.6%	28.3%	72%	0.26%	+2 bps	0.37%	1.11%	9.3%
North Dakota	60	$65.6B	+6.1%	27.1%	88%	0.90%	-1 bps	0.51%	1.34%	9.9%
Colorado	63	$56.6B	+11.0%	32.1%	84%	0.49%	-2 bps	0.36%	1.09%	11.0%
West Virginia	40	$51.7B	+5.2%	34.2%	86%	0.74%	+14 bps	0.45%	1.09%	13.0%
Maryland	27	$49.1B	+3.6%	37.9%	85%	1.62%	-17 bps	0.73%	0.97%	11.6%
Maine	22	$49.0B	+7.1%	38.2%	99%	0.42%	-6 bps	0.26%	0.93%	10.5%
Nevada	14	$44.1B	+20.5%	18.1%	82%	0.96%	-160 bps	0.91%	1.27%	16.8%
New Hampshire	17	$16.8B	+4.1%	37.4%	96%	0.63%	+25 bps	0.44%	0.56%	11.2%
New Mexico	29	$16.4B	+7.4%	40.4%	65%	1.00%	-39 bps	0.55%	1.95%	9.6%
Idaho	10	$12.0B	+9.8%	32.2%	74%	0.98%	+53 bps	0.24%	1.31%	11.9%
Wyoming	24	$10.8B	+8.1%	28.4%	66%	0.60%	-0 bps	0.32%	1.27%	9.5%
Alaska	5	$10.6B	+7.1%	44.1%	75%	0.75%	+23 bps	0.19%	1.45%	11.4%
Vermont	12	$8.9B	+6.2%	28.1%	90%	0.69%	+0 bps	0.39%	0.81%	9.7%
District of Columbia	4	$3.5B	+7.2%	57.8%	86%	2.09%	+95 bps	1.33%	0.42%	12.4%

Five years, 2021 to 2026the 4215 institutions filing at both dates; dollars as growth, ratios in points

	2021	2026	Change
Loans, in total	$9.60T	$14.07T	+47%
Deposits, in total	$17.05T	$20.86T	+22%
NPA / loans, median	0.41%	0.47%	+0.06 pts
Efficiency, median	63.8%	62.3%	-1.5 pts
ROA, median	1.13%	1.22%	+0.08 pts

Credit unions

4,336 credit unions filing across 51 states · read from the 31 March 2026 NCUA 5300

4,336

credit unions filing

$2.51T in assets

+6.6%

Loans, year over year

on the credit unions filing at both dates

10.8%

Member business loans / loans

in aggregate

81%

Loans / shares

in aggregate

0.84%

Delinquent / loans

+5 bps on a year earlier

11.3%

Net worth / assets

in aggregate

The country's 4,336 credit unions hold $2.51T in assets at 31 March 2026. Navy Federal Credit Union is the largest at $204B, and the five largest hold 14% of the total; 474 institutions are above $1B, holding $1.98T.

Loans grew +6.6% in the year on the credit unions filing at both dates, fastest in Kansas at +38.4% and slowest in West Virginia at -0.4%. Delinquent loans are 0.84% of the book, up 5 basis points on a year earlier; the rate rose in 31 states and fell in 20, rising most in New Hampshire (+79 bps) and highest outright in New Hampshire at 1.47%.

Member business loans are 10.8% of the book in aggregate, heaviest in North Dakota at 57.6%. The credit unions lend 81% of their shares, and net worth is 11.3% of assets.

Delinquent loans, share of loans, by stateevery credit union in the state summed, 31 March 2026; loans 60 days or more past due, over loans; darker is higher

New Hampshire carries the highest rate at 1.47%, 89% of it one institution, Service at 2.7% of its own book, then North Carolina at 1.43%; Rhode Island the lowest at 0.33%. The country in aggregate sits at 0.84%.

Where delinquency rose, and where it fellthe change in the rate on 31 March 2025, in basis points; amber rose, navy fell

The rate rose in 31 of 51 states and fell in 20. It rose most in New Hampshire (+79 bps) and Kansas (+29 bps), and fell most in Nevada (-82 bps).

Loans, year over year, by state31 March 2026 against a year earlier on the credit unions filing at both dates; no better direction

Kansas grew fastest at +38.4%, 90% of the added loans in one institution, Communityamerica, whose book went from $2.7B to $6.2B in the year; 30 states grew faster than 5% and 1 shrank, West Virginia the most at -0.4%.

Member business loans, share of loans, by stateevery credit union in the state summed, 31 March 2026

North Dakota carries the most commercial lending at 57.6% of loans; the aggregate is 10.8%.

Who holds the country's credit union assetseach institution's share of the $2.51T the country's 4336 hold; the largest first, amber in the catalogue

Navy Federal Credit Union holds 8.1% of the total; the five largest hold 14%, and 474 of the 4,336 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve

14% of the assets sit in 0.1% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

The consolidation: credit unions filing since 2022the count of credit unions filing each quarter; assets at the ends in the read

5,007 credit unions filed in 2022 Q1 holding $2.14T; 4,336 file now holding $2.51T. 13% fewer charters hold 17% more in assets.

Delinquency since 2022every bank in the country summed, quarterly

The rate peaked at 1.02% in 2025 and stands at 0.84%, 82% of that peak.

Loans, year over year: credit unions over $1B31 March 2026 against a year earlier; the fastest fifteen · the 15 highest of 468 · amber, in the catalogue

Meritrust (Colorado) grew fastest at +132.7%; the median among credit unions over $1B is +5.5%. A jump this size is usually an acquisition or a charter's first full year, both visible in the institution's own filing.

Member business loans, share of loans: credit unions over $1B31 March 2026; the fifteen heaviest · the 15 highest of 474 · amber, in the catalogue

Beacon (Indiana) carries the most commercial lending at 80.0% of loans.

Delinquent loans, share of loans: credit unions over $1B31 March 2026; the fifteen highest, as each filed · the 15 highest of 474 · amber, in the catalogue

U.S. Eagle (New Mexico) carries the highest rate at 6.63%; 12 of the 474 are above 2%, and the median is 0.63%. A rate is a filed fact, not a finding; the allowance beside it and the trend behind it are on the institution's own page where it is in the catalogue.

Loans to shares: credit unions over $1B31 March 2026; the fifteen highest · the 15 highest of 474 · amber, in the catalogue

47 of the 474 lend more than they hold in shares, Webster First (Massachusetts) the furthest at 124%; the median is 87%.

Return on assets: credit unions over $1B31 March 2026; the fifteen highest · the 15 highest of 474 · amber, in the catalogue

Zeal (Michigan) earns the most at 2.72%; 143 of the 474 earn under 0.50%, and the median is 0.71%.

Every state, 31 March 2026largest first; navy, the stronger half of each column; amber, the weaker; darker at the ends; growth on the institutions filing at both dates

State	Filers	Assets	Loans YoY	MBL / loans	Loans / shares	Delinquent	YoY	ROA, median	Net worth
California	242	$322B	+10.5%	8.2%	79%	0.65%	+5 bps	0.50%	11.1%
Virginia	95	$286B	+3.6%	2.4%	83%	1.36%	+6 bps	0.56%	11.1%
Texas	380	$163B	+2.5%	7.3%	84%	0.83%	+5 bps	0.57%	11.9%
New York	269	$134B	+5.4%	10.8%	78%	0.95%	+11 bps	0.68%	10.9%
Florida	107	$125B	+8.5%	10.3%	84%	0.68%	+15 bps	0.53%	10.7%
Michigan	170	$120B	+8.3%	15.1%	80%	0.69%	+5 bps	0.79%	11.7%
Washington	75	$95.3B	+5.4%	20.0%	85%	0.67%	+16 bps	0.56%	11.4%
North Carolina	57	$91.7B	+3.8%	4.5%	77%	1.43%	+12 bps	0.58%	11.0%
Pennsylvania	272	$83.6B	+4.4%	9.8%	77%	0.64%	+2 bps	0.72%	12.3%
Illinois	190	$77.1B	+5.1%	10.5%	81%	0.81%	-10 bps	0.62%	10.5%
Wisconsin	99	$75.5B	+6.3%	20.2%	90%	0.63%	+2 bps	0.86%	10.9%
Utah	52	$68.2B	+8.2%	15.6%	86%	0.97%	+8 bps	0.87%	10.6%
Colorado	62	$55.6B	+27.9%	16.9%	91%	0.62%	-1 bps	0.55%	10.7%
Ohio	195	$50.3B	+3.7%	10.9%	79%	0.81%	+10 bps	0.69%	11.3%
Indiana	124	$49.5B	+5.2%	26.3%	84%	0.65%	+7 bps	0.68%	11.3%
Tennessee	126	$48.2B	+6.9%	10.4%	87%	0.41%	+2 bps	0.70%	13.2%
Massachusetts	122	$44.1B	+3.4%	10.4%	90%	0.60%	-8 bps	0.55%	11.2%
Alabama	89	$40.2B	+4.2%	12.5%	66%	0.87%	+5 bps	0.65%	12.4%
Maryland	61	$39.9B	+2.3%	5.2%	82%	0.71%	-0 bps	0.49%	11.4%
Oregon	47	$39.6B	+6.2%	14.8%	80%	0.89%	+5 bps	0.66%	12.1%
Georgia	72	$37.6B	+6.6%	12.7%	79%	0.62%	+5 bps	0.63%	12.6%
Iowa	66	$35.4B	+4.3%	20.3%	95%	1.11%	-13 bps	0.92%	10.6%
Arizona	33	$35.3B	+10.6%	15.9%	72%	0.65%	+2 bps	0.65%	10.6%
Minnesota	81	$35.2B	+4.8%	19.2%	81%	0.62%	-1 bps	0.86%	10.5%
Idaho	26	$25.6B	+10.9%	15.4%	95%	0.51%	-1 bps	0.62%	8.8%
South Carolina	46	$24.6B	+5.7%	6.5%	82%	0.74%	+2 bps	0.85%	13.0%
Oklahoma	53	$21.9B	+1.3%	9.6%	73%	0.82%	-19 bps	0.55%	12.6%
New Mexico	37	$20.7B	+6.8%	20.3%	79%	1.34%	+16 bps	0.77%	9.9%
Missouri	89	$19.4B	+7.1%	5.2%	78%	0.69%	+3 bps	0.65%	10.0%
Kansas	62	$19.4B	+38.4%	11.6%	81%	1.07%	+29 bps	0.68%	10.6%
Louisiana	136	$17.4B	+3.9%	4.9%	82%	1.13%	-5 bps	0.49%	11.8%
Hawaii	45	$17.3B	+4.9%	7.5%	57%	0.74%	-1 bps	0.76%	10.7%
Kentucky	52	$16.5B	+8.2%	14.0%	83%	0.69%	+4 bps	0.76%	12.9%
Alaska	9	$16.5B	+7.7%	16.4%	90%	1.16%	+15 bps	0.86%	10.3%
Connecticut	64	$15.8B	+7.5%	4.0%	63%	0.51%	+0 bps	0.64%	10.6%
New Jersey	127	$15.4B	+5.2%	6.0%	72%	0.99%	-2 bps	0.26%	10.8%
New Hampshire	12	$14.0B	+7.1%	10.7%	91%	1.47%	+79 bps	0.93%	10.9%
Maine	48	$13.4B	+4.6%	6.5%	78%	0.70%	+11 bps	0.75%	10.5%
District of Columbia	29	$11.9B	+1.2%	0.0%	67%	0.56%	-3 bps	0.25%	12.0%
Rhode Island	14	$11.0B	+2.9%	9.4%	100%	0.33%	+0 bps	0.43%	10.2%
Mississippi	55	$9.8B	+11.8%	8.5%	82%	1.10%	+12 bps	0.69%	13.3%
Nevada	13	$8.7B	+6.6%	14.6%	69%	1.37%	-82 bps	0.95%	10.9%
Montana	41	$8.2B	+4.9%	12.3%	76%	0.46%	+3 bps	0.78%	11.9%
Vermont	13	$7.3B	+9.5%	11.7%	93%	0.71%	+14 bps	0.35%	11.4%
Nebraska	50	$7.0B	+7.5%	8.8%	84%	0.88%	-3 bps	0.79%	11.6%
South Dakota	33	$6.2B	+2.5%	16.5%	75%	0.74%	-8 bps	0.91%	10.6%
Wyoming	18	$6.1B	+3.8%	4.8%	86%	1.02%	-8 bps	1.01%	10.8%
North Dakota	29	$6.1B	+4.5%	57.6%	80%	1.14%	-23 bps	0.87%	13.1%
Arkansas	49	$5.3B	+9.9%	10.6%	89%	0.88%	-15 bps	0.56%	12.7%
West Virginia	74	$5.3B	-0.4%	2.5%	62%	0.86%	-2 bps	0.78%	14.0%
Delaware	15	$3.2B	+7.7%	7.5%	69%	0.86%	-15 bps	0.42%	10.8%

Small-business lending

SBA 7(a) approvals into the country since FY2008, across every lender type

$430B of 7(a) credit has been approved into the United States since FY2008 across 1,044,779 loans. Accommodation & food services is the largest category at 17.8%, Retail trade at 14.2%, Health care & social assistance at 11.0%; the three together are 43% of the money. The heaviest losses fall in Construction, at 2.62% of approvals charged off.

7(a) lenders in the United States, share of approvalssince FY2008, 3,714 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue

What the the country's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest

The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike

Industry	Approved	Loans	Share	Charged off	Loss rate
Accommodation & food services	$76.7B	133,764	17.8%	$1.6B	2.11%
Retail trade	$60.9B	140,790	14.2%	$1.4B	2.31%
Health care & social assistance	$47.4B	98,177	11.0%	$598M	1.26%
Manufacturing	$39.7B	76,013	9.2%	$876M	2.21%
Other services	$35.0B	97,062	8.1%	$670M	1.91%
Professional & technical services	$32.4B	103,356	7.5%	$645M	1.99%
Construction	$31.8B	117,610	7.4%	$834M	2.62%
Wholesale trade	$25.7B	50,931	6.0%	$615M	2.40%
Arts, entertainment & recreation	$14.3B	32,403	3.3%	$368M	2.57%
Administrative & waste services	$14.2B	52,523	3.3%	$340M	2.40%
Transportation & warehousing	$13.2B	55,080	3.1%	$343M	2.59%
Real estate & leasing	$12.3B	23,878	2.9%	$147M	1.19%

The largest state marketsapprovals since FY2008 and how many lenders have written there

State	Approved	Loans	Lenders
California	$65.4B	126,397	512
Texas	$43.9B	79,520	706
Florida	$29.1B	59,969	528
Georgia	$19.8B	29,314	409
New York	$19.3B	66,912	402
Illinois	$15.1B	35,506	537
Ohio	$15.0B	57,304	361
Washington	$13.5B	28,431	281
New Jersey	$13.2B	31,583	308
Michigan	$12.6B	39,112	364
Colorado	$12.6B	26,375	401
Pennsylvania	$12.5B	34,047	374
North Carolina	$12.0B	21,683	326
Arizona	$10.5B	21,299	337
Minnesota	$9.8B	29,265	444

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any US institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 8 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; Schedule RC-N past-due detail via the FDIC; SBA 7(a) release
Cohort every institution filing in the country

Computed from each institution's own filing as published; aggregates are dollar-weighted sums across the filers, medians unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.

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