• Reed Romanko
• 06 Jul, 2026

The allowance for credit losses (ACL) coverage ratio for the U.S. banking system remained stable in the first quarter of 2026, decreasing slightly to 1.66% from 1.67% in the preceding quarter.1 (See the figure below.) The ACL coverage ratio has declined gradually over the past six quarters from a recent peak of 1.78% at the end of the third quarter of 2024.
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