Charge-Off Rate on All Loans, Banks Ranked 1st to 100th Largest in Size by Assets
CORALT100S • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
0.73
Year-over-Year Change
204.17%
Date Range
1/1/1985 - 1/1/2025
Summary
The Charge-Off Rate on All Loans for the 100 largest U.S. banks measures the percentage of loans that banks have written off as uncollectible. This metric provides critical insight into bank asset quality and overall economic health.
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 tracks the rate at which banks are experiencing loan defaults across their entire loan portfolio. Economists use this trend to assess credit risk, banking sector stability, and potential economic stress.
Methodology
The data is collected by aggregating charge-off amounts from the 100 largest U.S. banks and calculating the percentage relative to total loan balances.
Historical Context
Policymakers and financial regulators use this metric to monitor banking system resilience and potential systemic risks.
Key Facts
- Represents loan defaults for the largest 100 U.S. banks
- Indicates potential economic stress and banking sector performance
- Helps predict potential financial system challenges
FAQs
Q: What does a rising charge-off rate indicate?
A: A rising charge-off rate suggests increasing loan defaults and potential economic stress. It may signal economic downturn or deteriorating credit conditions.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of banking sector loan performance.
Q: Why do banks write off loans?
A: Banks write off loans when they determine that the debt is unlikely to be collected, typically after extended periods of non-payment or significant credit deterioration.
Q: How do charge-off rates impact banking policy?
A: High charge-off rates can prompt regulators to implement stricter lending standards or require banks to increase capital reserves.
Q: What are the limitations of this metric?
A: The metric only covers the 100 largest banks and may not fully represent smaller regional or community banking trends.
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Citation
U.S. Federal Reserve, Charge-Off Rate on All Loans, Banks Ranked 1st to 100th Largest in Size by Assets [CORALT100S], retrieved from FRED.
Last Checked: 8/1/2025