Commercial and Industrial Loans, Banks Ranked 1st to 100th Largest in Size by Assets
ACILT100 • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1,990,141.00
Year-over-Year Change
1.77%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks the total value of commercial and industrial loans issued by the top 100 U.S. banks by asset size. It serves as a critical barometer of business lending activity and corporate investment sentiment.
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
Commercial and industrial loans represent short and medium-term financing extended to businesses for operational and capital expenditure purposes. Economists closely monitor this trend as a leading indicator of business confidence, economic expansion, and potential future economic growth.
Methodology
Data is collected through regulatory reporting requirements from banks, aggregating loan volumes from the largest 100 financial institutions by total assets.
Historical Context
Policymakers and financial analysts use this metric to assess credit market conditions, potential economic momentum, and potential shifts in business investment strategies.
Key Facts
- Represents lending activity among top 100 U.S. banks by asset size
- Provides insight into corporate borrowing and investment trends
- Fluctuates with economic cycles and business confidence levels
FAQs
Q: What do commercial and industrial loans indicate?
A: These loans reflect business borrowing for operational expenses, capital investments, and expansion activities. They are a key indicator of economic health and business confidence.
Q: How do changes in this metric impact the economy?
A: Increasing loan volumes typically suggest business optimism and potential economic growth, while decreasing volumes might indicate reduced business investment or economic uncertainty.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this data weekly or monthly, providing near-real-time insights into lending trends.
Q: Why focus on the top 100 banks?
A: These banks represent the majority of commercial lending in the U.S. financial system, making them a representative sample of overall lending activity.
Q: What are the limitations of this data?
A: The metric does not capture lending from smaller banks or alternative financing sources, which might provide a partial view of total business lending.
Related News
Gen Z In the U.S. Shifts From Spending To Saving Habits
How Gen Z's Shift from Spending to Saving is Impacting the US Economy Recent trends indicate a significant shift in the spending habits of Gen Z, w...
S&P 500 Rises With Optimistic U.S. Inflation Report
S&P 500 Soars: Positive U.S. Inflation Developments The S&P 500, a primary stock index that tracks the performance of 500 major U.S. companies, has...
U.S. Stock Market Futures Rise On Inflation and Tariff News
US Stock Market Futures Rise Amid Inflation Data and Tariff News US stock market futures are on the rise, driven by significant updates in inflatio...
U.S. Treasury Yields Decline After Inflation Data Meet Expectations
US Treasury Yields Drop as Inflation Data Meets Expectations US Treasury yields have seen a noticeable decline recently, as the latest inflation da...
U.S. Stock Market Rises Amid PCE Inflation Report Analysis
U.S. Stock Market Climbs Amidst Insights from PCE Inflation Report Investors in the U.S. stock market are focusing on the most recent PCE Inflation...
U.S. Stock Futures Stagnant Despite Positive Jobless Claims and GDP
Why US Stock Futures Remain Stagnant Despite Positive Economic Indicators The current investment landscape is puzzling for many as US stock futures...
Related Trends
Total Assets, Interest-Earning, All Loans and Leases, Gross, Secured by Real Estate, Banks Not Among the 100 Largest in Size by Assets
LSREOBEP
Other Consumer Loans, Banks Not Among the 100 Largest in Size by Assets
AOCLOB
Total Fed Funds Sold and Securities Purchased Under Agreements to Resell, All Commercial Banks
H8B3092NCBA
LESS: Allowance for Loan and Lease Losses, All Commercial Banks
H8B1043NCBCMG
Consumer Loans, Banks Ranked 1st to 100th Largest in Size by Assets
ACLT100
Total Assets, Interest-Earning, All Loans and Leases, Gross, Commercial and Industrial, Banks Ranked 1st to 100th Largest in Size by Assets
CILT100EP
Citation
U.S. Federal Reserve, Commercial and Industrial Loans, Banks Ranked 1st to 100th Largest in Size by Assets [ACILT100], retrieved from FRED.
Last Checked: 8/1/2025