Big Five Bank Tracker
Data through Q2 2026 Updated 1 Sep 2026, 13:35 UTC Source: SEC EDGAR XBRL

Credit quality

Allowance coverage and provisioning across the six banks, with the consumer credit series that lead them. Each panel is one bank on its own axis; the dashed line behind the allowance panels is the median of the six.

Allowance for credit losses, as a share of loans

JPM

1.72% of loans

JPMorgan Chase allowance for credit losses as a share of loans, 12 quarters, against the peer median 1.50%Q3’23Q3’24Q3’25

BAC

1.09% of loans

Bank of America allowance for credit losses as a share of loans, 12 quarters, against the peer median 1.50%Q3’23Q3’24Q3’25

WFC

1.37% of loans

Wells Fargo allowance for credit losses as a share of loans, 12 quarters, against the peer median 1.25% 1.50%Q3’23Q3’24Q3’25

C

2.58% of loans

Citigroup allowance for credit losses as a share of loans, 12 quarters, against the peer median 2.00%Q3’23Q3’24Q3’25

GS

0.84% of loans

Goldman Sachs allowance for credit losses as a share of loans, 12 quarters, against the peer median 1.00% 2.00%Q3’23Q3’24Q3’25

MS

0.43% of loans

Morgan Stanley allowance for credit losses as a share of loans, 12 quarters, against the peer median 1.00%Q3’23Q3’24Q3’25
  • Bank
  • Median of the six

Each panel has its own y-axis: coverage ranges from well under 1% to over 2.5% across these banks, and a shared axis would flatten five of the six into straight lines. Compare shape and direction here, and read levels from the figure above each panel or the scorecard.

Provision for credit losses, by quarter

JPM

$2,515m this quarter

JPMorgan Chase provision for credit losses by quarter 0 2.5bQ3’23: 1.4bQ4’23: 2.8bQ1’24: 1.9bQ2’24: 3.1bQ3’24: 3.1bQ4’24: 2.6bQ1’25: 3.3bQ2’25: 2.8bQ3’25: 3.4bQ4’25: 4.7bQ1’26: 2.5bQ2’26: 2.5bQ3’23Q3’24Q3’25

BAC

$1,377m this quarter

Bank of America provision for credit losses by quarter 0 1.0bQ3’23: 1.3bQ4’23: 1.2bQ1’24: 1.4bQ2’24: 1.6bQ3’24: 1.5bQ4’24: 1.5bQ1’25: 1.5bQ2’25: 1.6bQ3’25: 1.3bQ4’25: 1.2bQ1’26: 1.4bQ2’26: 1.4bQ3’23Q3’24Q3’25

WFC

$914m this quarter

Wells Fargo provision for credit losses by quarter 0 1.0bQ3’23: 1.2bQ4’23: 1.3bQ1’24: 938Q2’24: 1.2bQ3’24: 1.1bQ4’24: 1.1bQ1’25: 932Q2’25: 1.0bQ3’25: 681Q4’25: 1.0bQ1’26: 1.1bQ2’26: 914Q3’23Q3’24Q3’25

C

$2,603m this quarter

Citigroup provision for credit losses by quarter 0 2.0bQ3’23: 1.8bQ4’23: 2.5bQ1’24: 2.4bQ2’24: 2.4bQ3’24: 2.4bQ4’24: 2.6bQ1’25: 2.6bQ2’25: 2.5bQ3’25: 2.3bQ4’25: 2.2bQ1’26: 2.6bQ2’26: 2.6bQ3’23Q3’24Q3’25

GS

$102m this quarter

Goldman Sachs provision for credit losses by quarter -2.0b 0Q3’23: 7Q4’23: 577Q1’24: 318Q2’24: 282Q3’24: 397Q4’24: 351Q1’25: 287Q2’25: 384Q3’25: 339Q4’25: -2.1bQ1’26: 315Q2’26: 102Q3’23Q3’24Q3’25

MS

$110m this quarter

Morgan Stanley provision for credit losses by quarter 0 100Q3’23: 123Q4’23: 26Q1’24: -22Q2’24: 85Q3’24: 18Q4’24: 65Q1’25: 81Q2’25: 138Q3’25: 6Q4’25: 5Q1’26: 82Q2’26: 110Q3’23Q3’24Q3’25

Bars below the zero line are net releases. Goldman Sachs released $2.1bn in Q4 2025 — that figure is recovered arithmetically from the full year and is corroborated by its allowance falling from $4.5bn to $2.1bn over the same quarter. How Q4 is recovered.

What leads them

Consumer credit and unemployment

Credit card delinquency rate and the unemployment rate, both in percent.

Credit card delinquency rate and unemployment rate 2.0% 3.0% 4.0%Card delinquencyCardUnemploymentUnemp.
  • Card delinquency rate (DRCCLACBS)
  • Unemployment rate (UNRATE)

Card delinquencies have historically led net charge-offs by roughly two quarters. That lag is an observation about the series, not a forecast of any bank's results.

Net charge-off rates by book are not on this page. They are not reliably tagged in XBRL and live only in each bank's financial supplement; nothing here is parsed from those documents. See methodology.

This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.