Charge-Offs

Charge-Off Rates for All Banks

	Percent
Name	Q3 2025	Q2 2025	Q3 2024
Quarterly, Seasonally Adjusted
Real Estate Loans	0.10	0.09	0.12
Residential (Booked in Domestic Offices)	0.00	0.00	-0.01
Commercial (Booked in Domestic Offices)	0.18	0.18	0.25
Farmland (Booked in Domestic Offices)	0.02	0.03	0.11
Consumer Loans	2.89	2.87	3.00
Credit Cards	4.17	4.18	4.68
Other	1.23	1.20	1.19
Leases	0.34	0.29	0.31
Commercial and Industrial Loans	0.57	0.58	0.55
Agricultural Loans	0.13	0.17	0.15
Total Loans and Leases	0.63	0.61	0.68
Quarterly, Not Seasonally Adjusted
Real Estate Loans	0.09	0.10	0.11
Residential (Booked in Domestic Offices)	-0.01	0.00	-0.01
Commercial (Booked in Domestic Offices)	0.19	0.19	0.22
Farmland (Booked in Domestic Offices)	0.03	0.02	0.12
Consumer Loans	2.70	2.86	2.79
Credit Cards	3.92	4.31	4.37
Other	1.16	1.06	1.12
Leases	0.29	0.26	0.27
Commercial and Industrial Loans	0.58	0.57	0.56
Agricultural Loans	0.08	0.19	0.11
Total Loans and Leases	0.59	0.60	0.64