This chart shows Delinquency Rates on Loans and Leases at Commercial Banks, sourced from FRED (Federal Reserve Bank of St. Louis). Delinquency rates measure the percentage of outstanding loan balances that are at least 30 days past due. Rising delinquency rates signal deteriorating credit conditions and financial stress among borrowers, and have historically been a reliable leading indicator of economic downturns. The data is reported quarterly. Use the Category dropdown to switch between loan types. The S&P 500 overlay (left axis, log scale) helps contextualize credit stress against broader market conditions.