Charge-Off Rate on Business Loans, Banks Ranked 1st to 100th Largest in Size by Assets
CORBLT100S • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
0.58
Year-over-Year Change
314.29%
Date Range
1/1/1985 - 4/1/2025
Summary
This economic indicator tracks the percentage of business loans that banks have written off as uncollectible for the top 100 banks by asset size. It serves as a critical metric for assessing credit risk and overall economic health in the business lending sector.
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 charge-off rate reflects the quality of bank lending portfolios and provides insight into business financial stress and potential economic challenges. Economists use this metric to gauge credit market conditions and potential systemic risks in the banking sector.
Methodology
Data is collected by the Federal Reserve through regulatory reporting, calculating the total value of charged-off business loans as a percentage of total outstanding business loan balances.
Historical Context
Policymakers and financial regulators use this trend to monitor banking sector stability and inform monetary and regulatory decisions.
Key Facts
- Represents charge-off rates for the largest 100 U.S. banks by total assets
- Provides insight into business loan performance and credit market conditions
- Fluctuates with economic cycles and overall business financial health
FAQs
Q: What does a rising charge-off rate indicate?
A: A rising charge-off rate typically suggests increased financial stress among businesses and potential economic challenges in the lending market.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of business loan performance.
Q: Why do economists track charge-off rates?
A: Charge-off rates help economists assess credit market health, banking sector stability, and potential economic risks.
Q: How does this metric impact banking policy?
A: High charge-off rates may prompt regulators to implement stricter lending standards or adjust monetary policies to mitigate financial risks.
Q: What are the limitations of this indicator?
A: The metric only covers the top 100 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 Business Loans, Banks Ranked 1st to 100th Largest in Size by Assets [CORBLT100S], retrieved from FRED.
Last Checked: 8/1/2025