# Releasing US-CREDIT. For Analysts Tracking US Banking. Interactive Tool Covering FDIC SDI and NY Fed CCP.

Published: 2026-04-20

US-CREDIT interactive analytics tool. 25 years, 100 quarters. $13.6T bank loans across 4400+ FDIC institutions. $18.8T consumer debt via NY Fed CCP. 18 FDIC segments, delinquency buckets, charge-offs, FICO bands, age groups. Validated against FDIC QBP - 100 quarters reconciled. Includes disbelief rally research deck.

## Where to find the full content

- HTML page (full text, image deck, links): https://tigzig.com/post/releasing-us-credit-fdic-nyfed-interactive-tool
- Markdown of the HTML page: send GET https://tigzig.com/post/releasing-us-credit-fdic-nyfed-interactive-tool with header `Accept: text/markdown`

## Tags
portfolio-quants

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## Full analysis transcript (extracted from PDF deck)

_This text was extracted from the source PowerPoint deck. Chart visuals (referenced as "no text content - see PNG at /files/...") are in the PDF and slide images on the HTML page._

FDIC Q1 2026 - Bank NCO by Segment

TIGZIG  ·  US BANKS

FDIC Q1 2026 · Net charge-offs by segment

Banks holding the line ..
but the ‘lemons’ sit off the chart.

Net charge-off rate (annualized) for US bank loans. Total at 0.58% sits right at pre-GFC.
Consumer (15% of loans) has already crossed pre-GFC and is trending up.
C&I has nudged just past. Real Estate and Other well below.

Total loans & leases

$13.83T · 100%

GFC peak

2.89%

Pre-GFC

0.56%

Q1'26

0.58%

Private credit stress doesn't show up here. Mark-to-market hits P&L directly · does not flow through to NCO numbers.

NY Fed consumer delinquencies have already broken pre-GFC. The weakest paper sits at credit unions and non-bank lenders.

Consumer

$2.05T · 15%

GFC peak

6.64%

Pre-GFC

2.47%

Q1'26

2.87%

Commercial & Industrial

$2.57T · 19%

GFC peak

2.69%

Pre-GFC

0.46%

Q1'26

0.52%

Segment
Balance · share
GFC peak
Pre-GFC
Q1'26

Real Estate
$6.16T · 45%
2.50%
0.22%
0.05%

All Other*
$3.05T · 22%
1.41%
0.24%
0.14%

Q1 2026 numbers now live

tigzig.com → Tremor → US Credit

Bank loss & delinquency (FDIC) · consumer credit (NY Fed / Equifax) · available via UI with customizable charts, API, and MCP for AI agents.

Source: FDIC quarterly bank aggregates (SDI / Call Reports), NSA, served via Tremor. · Pre-GFC reference: Q3 2007. · * All Other = agri loans, lease financing, all other loans, depository institutions, foreign gov't, state & local gov't.

Amar Harolikar · Decision Sciences & Applied AI

tigzig.com· tools for analytics, quants and macro signals