---
title: "Charge-Off Rate on All Loans"
slug: charge-off-rate-on-all-loans
summary: "All-loan charge-off rate was 0.55% in Q2 2026, down from 0.6% a year earlier"
category: "Courts"
unit: percent
frequency: quarterly
direction: higher_is_worse
latest_value: 0.55
latest_period: "2026-Q2"
trend: falling
last_updated: "2026-08-26T00:00:00Z"
source: "Board of Governors of the Federal Reserve System data retrieved via FRED"
source_url: https://fred.stlouisfed.org/series/CORALACBN
canonical_html: https://americandefault.org/indicators/charge-off-rate-on-all-loans/
citation_apa: "Kilburn, R. (2026). Charge-Off Rate on All Loans [Data set]. American Default Research. https://americandefault.org/indicators/charge-off-rate-on-all-loans/"
citation_chicago: "Kilburn, Ross. 2026. \"Charge-Off Rate on All Loans.\" American Default Research. https://americandefault.org/indicators/charge-off-rate-on-all-loans/."
citation_mla: "Kilburn, Ross. \"Charge-Off Rate on All Loans.\" American Default Research, 2026, americandefault.org/indicators/charge-off-rate-on-all-loans/."
---

# Charge-Off Rate on All Loans

> All-loan charge-off rate was 0.55% in Q2 2026, down from 0.6% a year earlier

## Current Reading

As of 2026-Q2, Charge-Off Rate on All Loans is **0.55%** (falling — improving for households).

annualized net charge-offs on all loans at commercial banks — down from a year earlier

## What Changed

- The annualized net charge-off rate on all loans at U.S. commercial banks was 0.55% in Q2 2026, down from 0.6% in Q2 2025.
- The lowest unadjusted rate since Q3 2023, when it was 0.49%.

## Recent Values

| Period | Value |
|--------|-------|
| 2026-Q2 | 0.55% |
| 2026-Q1 | 0.57% |
| 2025-Q4 | 0.61% |
| 2025-Q3 | 0.59% |
| 2025-Q2 | 0.6% |
| 2025-Q1 | 0.64% |
| 2024-Q4 | 0.68% |
| 2024-Q3 | 0.64% |
| 2024-Q2 | 0.65% |
| 2024-Q1 | 0.63% |
| 2023-Q4 | 0.63% |
| 2023-Q3 | 0.49% |

## Historical Context

- Peak since 1985: **3.14%** in Q4 2009
- Low since 1985: **0.19%** in Q3 2021
- Pre-pandemic average (2015-01 – 2019-12): **0.46%**
- Post-pandemic average (2020-01 – 2024-12): **0.43%**

## Methodology

This indicator carries quarterly observations and is interpreted as higher values indicate worse household conditions. Source: Board of Governors of the Federal Reserve System data retrieved via FRED.
Automation: collected automatically on the daily refresh pipeline, with no hand entry.

## Source

Board of Governors of the Federal Reserve System data retrieved via FRED — [https://fred.stlouisfed.org/series/CORALACBN](https://fred.stlouisfed.org/series/CORALACBN)

Data retrieved: 2026-08-26T00:00:00Z

## Related Indicators

- [bankruptcy-filings](https://americandefault.org/indicators/bankruptcy-filings/)
- [charge-off-rate-on-credit-card-loans](https://americandefault.org/indicators/charge-off-rate-on-credit-card-loans/)
- [charge-off-rate-on-single-family-residential-mortgages](https://americandefault.org/indicators/charge-off-rate-on-single-family-residential-mortgages/)

## Machine-Readable Endpoints

- HTML page: https://americandefault.org/indicators/charge-off-rate-on-all-loans/
- JSON: https://americandefault.org/api/indicators/charge-off-rate-on-all-loans.json
- CSV: https://americandefault.org/api/downloads/charge-off-rate-on-all-loans.csv
- BibTeX: https://americandefault.org/citations/charge-off-rate-on-all-loans.bib
- RIS: https://americandefault.org/citations/charge-off-rate-on-all-loans.ris

## Citation

**APA 7th**

    Kilburn, R. (2026). Charge-Off Rate on All Loans [Data set]. American Default Research. https://americandefault.org/indicators/charge-off-rate-on-all-loans/

**Chicago (author-date)**

    Kilburn, Ross. 2026. "Charge-Off Rate on All Loans." American Default Research. https://americandefault.org/indicators/charge-off-rate-on-all-loans/.

**MLA 9th**

    Kilburn, Ross. "Charge-Off Rate on All Loans." American Default Research, 2026, americandefault.org/indicators/charge-off-rate-on-all-loans/.

Use **American Default Research** as the institutional name in source lists, bibliographies, and press citations. **American Default** is the brand and URL form. **American Distress Index (ADI)** is the product name for the national composite score.