Charge-Off Rate on All Loans, Banks Not Among the 100 Largest in Size by Assets
CORALOBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
0.30
Year-over-Year Change
150.00%
Date Range
1/1/1985 - 1/1/2025
Summary
The Charge-Off Rate on All Loans for Banks Not Among the 100 Largest tracks the percentage of loan balances that banks expect to be unrecoverable. This metric provides critical insight into the credit risk and financial health of smaller banking 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
This economic indicator measures the proportion of loans that banks have determined are unlikely to be collected, reflecting the overall credit quality and risk management of smaller financial institutions. Economists and financial analysts use this trend to assess banking sector stability and potential economic stress.
Methodology
The data is collected through regulatory reporting, where banks calculate the percentage of total loan balances that are written off as uncollectible during a specific period.
Historical Context
Policymakers and financial regulators use this trend to monitor banking sector risk, inform monetary policy, and assess potential systemic economic challenges.
Key Facts
- Measures loan charge-offs for smaller banks outside the top 100 by asset size
- Indicates potential credit risk and economic stress in the banking sector
- Provides insights into loan performance and bank risk management
FAQs
Q: What does a charge-off rate indicate?
A: A charge-off rate represents the percentage of loans a bank believes will not be repaid, signaling potential credit quality issues or economic challenges.
Q: Why focus on banks not among the 100 largest?
A: Smaller banks often have different risk profiles and lending practices compared to large institutions, making their charge-off rates important for understanding diverse banking sector dynamics.
Q: How is the charge-off rate calculated?
A: The charge-off rate is calculated by dividing the total value of loans written off during a period by the total loan balance, expressed as a percentage.
Q: What can a rising charge-off rate suggest?
A: A rising charge-off rate may indicate increasing economic stress, deteriorating loan quality, or challenges in borrowers' ability to repay loans.
Q: How frequently is this data updated?
A: The charge-off rate data is typically updated quarterly, providing regular insights into banking sector credit risk and performance.
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Citation
U.S. Federal Reserve, Charge-Off Rate on All Loans, Banks Not Among the 100 Largest in Size by Assets [CORALOBS], retrieved from FRED.
Last Checked: 8/1/2025