United States Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
United States's non-performing loans was 0.71% in 2025, ranked 108th globally. This represents a 15.8% decrease from 2024. Data from World Bank, covering 2009–2025.
Overview
United States's non-performing loans stood at 0.71% in 2025, a decline of +0.13pp from 2023. Based on recent trends, this figure is projected to reach 0.71% by 2025. United States ranked 108th globally.
The United States’ non‑performing loan (NPL) ratio has fallen dramatically over the 16‑year span from 2009 to 2025, dropping from an all‑time peak of 4.96 % in 2009 to a trough of 0.71 % in 2025, a reduction of more than one‑quarter of the original level. This decline reflects tighter credit standards, stronger regulatory oversight and the gradual resolution of legacy mortgage distress that followed the global financial crisis. By 2025 the United States ranks 108th worldwide, with an NPL share only marginally above Australia’s 0.72 % and slightly higher than Latvia’s 0.66 %, placing it among the lowest‑risk banking systems among advanced economies. The sustained downward trajectory suggests that continued prudential supervision and a stable macro‑economic environment will likely keep NPL ratios low, although a sharp rise in interest rates or a major economic shock could reverse the trend.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | 0.68% | - | - |
| 2025* trend | 0.71% | - | - |
| 2025 | 0.71% | −0.13pp | #108 |
| 2023 | 0.85% | +0.13pp | #5 |
| 2022 | 0.72% | −0.10pp | #8 |
| 2021 | 0.81% | −0.25pp | #9 |
| 2020 | 1.07% | +0.21pp | #12 |
| 2019 | 0.86% | −0.06pp | #11 |
| 2018 | 0.91% | −0.21pp | #12 |
| 2017 | 1.13% | −0.19pp | #14 |
| 2016 | 1.32% | −0.15pp | #16 |
| 2015 | 1.47% | −0.38pp | #18 |
| 2014 | 1.85% | −0.60pp | #25 |
| 2013 | 2.45% | −0.86pp | #34 |
| 2012 | 3.32% | −0.46pp | #45 |
| 2011 | 3.78% | −0.61pp | #56 |
| 2010 | 4.39% | −0.57pp | #56 |
Analysis
United States's non-performing loans was 0.71% in 2025, a decline of −0.13pp from 2024. Based on trends, estimated 0.71% by 2025.
Frequently Asked Questions
United States's non-performing loans was 0.71% in 2025. Ranked 108th globally. This represents a 15.8% decrease from the previous year.
United States's non-performing loans peaked at 4.96% in 2009.
The lowest non-performing loans in United States was 0.71% in 2025.
United States ranks 108th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
United States's non-performing loans is projected to reach 0.71% by 2025 based on trend extrapolation.
The non-performing loans of United States in 2025 was 0.71%. This ranks 108th in the world.
Cite this page
@misc{historysaid_united-states_non-performing-loans,
title = {United States Non-Performing Loans},
url = {https://historysaid.com/united-states/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}