Consumer Loans, Banks Ranked 1st to 100th Largest in Size by Assets
ACLT100 • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1,691,841.00
Year-over-Year Change
6.29%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks consumer loan volumes for the top 100 U.S. banks by total assets, providing insight into lending activity and credit market dynamics. The trend reflects banks' consumer lending strategies and overall credit accessibility in the national financial system.
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 aggregate consumer loan portfolios across the largest banking institutions, capturing trends in personal lending such as credit cards, auto loans, and personal installment loans. Economists use this data to assess credit market health, consumer financial behavior, and potential economic expansion or contraction signals.
Methodology
Data is collected through regulatory reporting requirements where banks submit detailed lending information to federal financial oversight agencies.
Historical Context
Policymakers and financial regulators use this trend to monitor credit market conditions, assess banking sector risk, and inform monetary policy decisions.
Key Facts
- Tracks lending activity across top 100 U.S. banks by asset size
- Includes various consumer loan categories like personal and auto loans
- Provides critical insight into credit market health and consumer borrowing trends
FAQs
Q: What types of loans are included in this indicator?
A: The indicator covers consumer loans including credit cards, auto loans, personal installment loans, and other consumer credit products.
Q: How does this trend relate to economic health?
A: Consumer loan volumes can indicate consumer confidence, spending capacity, and potential economic growth or contraction.
Q: How frequently is this data updated?
A: Typically, this data is updated quarterly by the Federal Reserve, providing current insights into banking sector lending practices.
Q: Why focus on the top 100 banks?
A: These banks represent the majority of U.S. banking assets and provide a comprehensive view of national lending trends.
Q: What are potential limitations of this indicator?
A: The data might not fully capture lending from smaller banks, credit unions, or alternative lending platforms.
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
Other Securities: Non-MBS, All Commercial Banks
H8B1304NCBCQG
Total Assets, Interest-Earning, All Loans and Leases, Gross, To Finance Agricultural Production, Other Farm Loans, Banks Not Among the 100 Largest in Size by Assets
LFAPGOBEP
Total Assets, Interest-Earning, All Loans and Leases, Gross, Secured by Real Estate, Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, Banks Not Among the 100 Largest in Size by Assets
TAIEALLGSRECRELEXFOBEP
Other Loans and Leases: All Other Loans and Leases, All Commercial Banks
H8B3305NCBCMG
Treasury and Agency Securities: Non-MBS, All Commercial Banks
H8B1302NCBCQG
Deposits, All Commercial Banks
H8B1058NCBCMG
Citation
U.S. Federal Reserve, Consumer Loans, Banks Ranked 1st to 100th Largest in Size by Assets [ACLT100], retrieved from FRED.
Last Checked: 8/1/2025