Commercial and Industrial Loans, Banks Not Among the 100 Largest in Size by Assets
ACILOB • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
375,160.00
Year-over-Year Change
9.82%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks commercial and industrial loan volumes for smaller banks not among the top 100 by asset size. It provides critical insight into credit availability and lending dynamics for small to medium-sized businesses across the United States.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
The series represents lending activity among regional and community banks, which play a crucial role in local economic ecosystems. Economists use this metric to assess credit market health, business investment potential, and potential signs of economic expansion or contraction.
Methodology
Data is collected through regular bank reporting to the Federal Reserve, tracking total outstanding commercial and industrial loan balances for banks below the top 100 in asset size.
Historical Context
Policymakers and financial analysts use this trend to understand small business credit access and potential economic momentum in non-metropolitan regions.
Key Facts
- Represents lending activity for smaller regional and community banks
- Indicates credit availability outside of the largest financial institutions
- Serves as a leading indicator of potential business investment and economic growth
FAQs
Q: Why are commercial and industrial loans important?
A: These loans provide critical capital for businesses to invest in operations, expansion, and growth. They are a key indicator of economic health and business confidence.
Q: How do smaller banks differ from large banks in lending?
A: Smaller banks often serve local markets and have more flexible lending criteria compared to large national institutions. They are particularly important for small and medium-sized businesses.
Q: What does the ACILOB series specifically measure?
A: ACILOB tracks total commercial and industrial loan balances for banks that are not among the top 100 largest banks by total assets.
Q: How can businesses use this information?
A: Businesses can gauge overall credit market conditions and potential lending opportunities by monitoring this trend. It helps understand the lending environment for small to medium-sized enterprises.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this series weekly, providing near-real-time insights into lending market dynamics.
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Citation
U.S. Federal Reserve, Commercial and Industrial Loans, Banks Not Among the 100 Largest in Size by Assets [ACILOB], retrieved from FRED.
Last Checked: 8/1/2025