--- title: "Credit Card Delinquency Gap: Smaller Banks vs. the 100 Largest" slug: large-vs-small-bank-credit-card-delinquency-spread summary: "Credit card delinquency gap between smaller and largest banks: 3.8 percentage points" category: "Debt" unit: percentage_points frequency: quarterly direction: bidirectional latest_value: 3.75 latest_period: "2026-Q2" trend: stable last_updated: "2026-09-07T21:17:13Z" source: "Computed (Board of Governors of the Federal Reserve System data retrieved via FRED: DRCCLOBS - DRCCLT100S)" measurement_basis: "Seasonally adjusted, end-of-quarter delinquency rate on credit card loans at commercial banks outside the 100 largest by assets minus the corresponding rate at banks ranked 1st through 100th, in percentage points. Both rates are taken from the same Federal Reserve Board release, the same realtime vintage, before one is subtracted from the other." source_url: https://fred.stlouisfed.org/series/DRCCLOBS source_urls: - https://fred.stlouisfed.org/series/DRCCLOBS - https://fred.stlouisfed.org/series/DRCCLT100S canonical_html: https://americandefault.org/indicators/large-vs-small-bank-credit-card-delinquency-spread/ citation_apa: "Kilburn, R. (2026). Credit Card Delinquency Gap: Smaller Banks vs. the 100 Largest [Data set]. American Default Research. https://americandefault.org/indicators/large-vs-small-bank-credit-card-delinquency-spread/" citation_chicago: "Kilburn, Ross. 2026. \"Credit Card Delinquency Gap: Smaller Banks vs. the 100 Largest.\" American Default Research. https://americandefault.org/indicators/large-vs-small-bank-credit-card-delinquency-spread/." citation_mla: "Kilburn, Ross. \"Credit Card Delinquency Gap: Smaller Banks vs. the 100 Largest.\" American Default Research, 2026, americandefault.org/indicators/large-vs-small-bank-credit-card-delinquency-spread/." --- # Credit Card Delinquency Gap: Smaller Banks vs. the 100 Largest > Credit card delinquency gap between smaller and largest banks: 3.8 percentage points ## Current Reading As of 2026-Q2, Credit Card Delinquency Gap: Smaller Banks vs. the 100 Largest is **3.8 percentage points** (stable). percentage points: card delinquency at banks outside the 100 largest, minus the 100 largest ## What Changed - The card delinquency gap between smaller and largest banks was 3.8 percentage points in Q2 2026, little changed from 3.6 percentage points in Q1 2026. - Down from 4.1 percentage points a year earlier. ## Recent Values | Period | Value | |--------|-------| | 2026-Q2 | 3.75 pp | | 2026-Q1 | 3.64 pp | | 2025-Q4 | 3.78 pp | | 2025-Q3 | 3.88 pp | | 2025-Q2 | 4.12 pp | | 2025-Q1 | 4.25 pp | | 2024-Q4 | 4.17 pp | | 2024-Q3 | 4.38 pp | | 2024-Q2 | 4.66 pp | | 2024-Q1 | 4.76 pp | | 2023-Q4 | 4.9 pp | | 2023-Q3 | 4.74 pp | ## Historical Context This series is not comparable end to end, so no all-time extreme or long-run average is published for it. The source changed what it measures on the following date(s): - Q1 2010: From the first quarter of 2010, credit card rates cover loans that banks had securitized and previously kept off their balance sheets. Accounting standards FAS 166 and 167 required banks to bring those loans back on, and the Board states the change is reflected in the 2010-Q1 Call Reports; one large credit card bank made the move in the fourth quarter of 2009. The Board's H.8 notes put the credit card and other revolving loans consolidated by domestically chartered commercial banks at about $335 billion as of March 31, 2010. Rates from 2010 on are measured over a different pool of loans than earlier readings. Source: https://www.federalreserve.gov/Pubs/Bulletin/2010/articles/profit/default.htm Compare readings only within a single segment. Subtracting across one of these dates measures the change in method, not in household conditions. ## Methodology This indicator carries quarterly observations and is interpreted as moving in both directions against household distress, with no single end of the range reading as the distressed one. Source: Computed (Board of Governors of the Federal Reserve System data retrieved via FRED: DRCCLOBS - DRCCLT100S). Measurement basis: Seasonally adjusted, end-of-quarter delinquency rate on credit card loans at commercial banks outside the 100 largest by assets minus the corresponding rate at banks ranked 1st through 100th, in percentage points. Both rates are taken from the same Federal Reserve Board release, the same realtime vintage, before one is subtracted from the other. Automation: collected automatically on the daily refresh pipeline, with no hand entry. ## Source Computed (Board of Governors of the Federal Reserve System data retrieved via FRED: DRCCLOBS - DRCCLT100S) - [https://fred.stlouisfed.org/series/DRCCLOBS](https://fred.stlouisfed.org/series/DRCCLOBS) - [https://fred.stlouisfed.org/series/DRCCLT100S](https://fred.stlouisfed.org/series/DRCCLT100S) Data retrieved: 2026-09-07T21:17:13Z ## Related Indicators - [the-late-fee](https://americandefault.org/indicators/the-late-fee/) - [the-other-banks](https://americandefault.org/indicators/the-other-banks/) ## Machine-Readable Endpoints - HTML page: https://americandefault.org/indicators/large-vs-small-bank-credit-card-delinquency-spread/ - JSON: https://americandefault.org/api/indicators/large-vs-small-bank-credit-card-delinquency-spread.json - CSV: https://americandefault.org/api/downloads/large-vs-small-bank-credit-card-delinquency-spread.csv - BibTeX: https://americandefault.org/citations/large-vs-small-bank-credit-card-delinquency-spread.bib - RIS: https://americandefault.org/citations/large-vs-small-bank-credit-card-delinquency-spread.ris ## Citation **APA 7th** Kilburn, R. (2026). Credit Card Delinquency Gap: Smaller Banks vs. the 100 Largest [Data set]. American Default Research. https://americandefault.org/indicators/large-vs-small-bank-credit-card-delinquency-spread/ **Chicago (author-date)** Kilburn, Ross. 2026. "Credit Card Delinquency Gap: Smaller Banks vs. the 100 Largest." American Default Research. https://americandefault.org/indicators/large-vs-small-bank-credit-card-delinquency-spread/. **MLA 9th** Kilburn, Ross. "Credit Card Delinquency Gap: Smaller Banks vs. the 100 Largest." American Default Research, 2026, americandefault.org/indicators/large-vs-small-bank-credit-card-delinquency-spread/. 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.