Benchmarks · Banking and lending
Banking and lending:
the regulators' numbers
9 figures from primary regulatory publications: Federal Reserve charge-off series across three loan types, US banking sector return on assets from the FDIC, capital adequacy and total capital from the Bank of Russia review, plus originations and portfolio quality in microfinance.
United States: cost of risk and sector profitability
| Metric | Value | Period | Source |
|---|---|---|---|
| Net charge-off rate, consumer loans, all US commercial banks | 2.64% | Q1 2026 | Federal Reserve, series CORCACBS (charge-off and delinquency rates), via FRED |
| Net charge-off rate, credit card loans, all US commercial banks | 3.84% | Q1 2026 | Federal Reserve, series CORCCACBS, via FRED |
| Net charge-off rate, business loans, all US commercial banks | 0.59% | Q1 2026 | Federal Reserve, series CORBLACBS, via FRED |
| Return on assets, US banking industry | 1.26% | Q1 2026 | FDIC, Quarterly Banking Profile, Q1 2026 |
Russia: capital adequacy and capital base
| Metric | Value | Period | Source |
|---|---|---|---|
| Total capital adequacy ratio (N1.0), Russian banking sector | 14.1% | 06.2026 | Bank of Russia, Russian banking sector development review, June 2026 |
| Total regulatory capital, Russian banking sector | 22.3T ₽ | 06.2026 | Bank of Russia, Russian banking sector development review, June 2026 |
Russia: the microfinance market
| Metric | Value | Period | Source |
|---|---|---|---|
| Microloan originations per quarter, Russian MFI sector | 482B ₽ | Q1 2026 | Bank of Russia, trends in the microfinance market, Q1 2026 |
| Consumer-segment microloan originations per quarter | 442B ₽ | Q1 2026 | Bank of Russia, trends in the microfinance market, Q1 2026 |
| Share of originations rolling into 90+ day delinquency within a quarter | 7% | 2025 | Bank of Russia, trends in the microfinance market, Q1 2026 |
How to read this
What matters about these numbers
- Every row covers a whole sector, not a sample: the Federal Reserve series span all US commercial banks, and the Bank of Russia reviews cover the entire banking and microfinance market. A single institution can differ from its sector by a wide margin.
- Charge-offs are split by loan type, and the spread is itself the finding: cards lose roughly six times what business lending loses. An average cost of risk with no product split is meaningless.
- The FDIC publishes return on ASSETS (1.26%), not on equity: at the sector's typical leverage that corresponds to an ROE around 11–12%, but the exact figure depends on each bank's funding mix.
- The microfinance delinquency row measures deterioration — the share of originations that roll past 90 days within a quarter — not the portfolio NPL level. These are different quantities and must not be confused.
- Russian and US figures are not directly comparable: different currencies, different provisioning rules and different portfolio mixes.
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