Other Consumer Loans, Banks Ranked 1st to 100th Largest in Size by Assets
AOCLT100 • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
705,612.00
Year-over-Year Change
-18.33%
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 consumer borrowing trends and credit market dynamics. The metric serves as a key barometer of consumer financial health and lending activity across major financial institutions.
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 trend represents aggregate consumer loan balances held by the largest banks, reflecting consumer credit demand and lending institutions' risk appetite. Economists analyze this data to understand consumer spending capacity, credit market conditions, and potential economic expansion or contraction signals.
Methodology
Data is collected through regulatory reporting requirements where banks submit detailed financial statements to federal banking regulators.
Historical Context
Policymakers and financial analysts use this trend to assess consumer credit markets, potential economic stimulus, and overall economic sentiment.
Key Facts
- Represents loan volumes for top 100 banks by asset size
- Excludes mortgage and credit card lending categories
- Provides quarterly snapshot of consumer borrowing trends
FAQs
Q: What types of loans does this indicator cover?
A: The indicator includes personal loans, auto loans, and other consumer credit not classified as mortgages or credit card debt.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current view of consumer lending trends.
Q: Why are only the top 100 banks included?
A: These banks represent the majority of consumer lending activity, providing a statistically significant and representative sample of the U.S. credit market.
Q: How does this trend relate to economic health?
A: Rising consumer loan volumes can indicate economic confidence and consumer spending potential, while declining volumes might suggest economic caution.
Q: What are the limitations of this data?
A: The indicator does not capture lending from smaller banks, credit unions, or alternative lending platforms, potentially understating total consumer credit activity.
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Citation
U.S. Federal Reserve, Other Consumer Loans, Banks Ranked 1st to 100th Largest in Size by Assets [AOCLT100], retrieved from FRED.
Last Checked: 8/1/2025