US banks’ loan portfolios saw a modest rise in delinquencies last year, a
“While loan growth remained steady, loan delinquency rates increased slightly across several loan categories in 2025,” the Fed said Wednesday, pointing to consumer, commercial and residential real estate loans, among others.
Still, most US lenders are well capitalized and the banking system overall remains strong, the central bank said.
Regulatory data showed limited delinquencies in the nonbank sector but several high-profile nonbanks defaults have led to concern about the private credit sector, the agency said in a supervision and regulation report.
The Fed ...