Credit Card Delinquencies Run 6.4% at Small Banks and 2.9% Across All of Them

Yahoo Finance ·

The Federal Reserve Bank of St. Louis tracks credit card loan delinquencies on a quarterly basis, and the results provide insight into the state of the economy and the condition of the consumer. Astute investors may also use the data as a way to gauge the prospects for bank stocks . Overall, the second-quarter results were mixed. Overall delinquencies and delinquencies for large banks were still elevated, but trending lower. However, delinquencies for smaller community banks are going up. The rate of overall delinquencies, which are credit card bills more than 30 days past due, was 2.85% in the second quarter. That was down from 2.91% in Q1, 3.04% in Q2 2025, and 3.22% the same quarter two years ago.

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