Charge-Off Rate on Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, Banks Not Among the 100 Largest in Size by Assets
CORCREXFOBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
0.10
Year-over-Year Change
900.00%
Date Range
1/1/1991 - 1/1/2025
Summary
This trend tracks the percentage of commercial real estate loans that banks have written off as uncollectible, specifically for smaller banks not among the top 100 by asset size. It serves as a critical indicator of credit risk and financial health in the commercial real estate 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 proportion of loans deemed unrecoverable by financial institutions, providing insight into lending practices and economic stress. Economists use this metric to assess credit quality, potential banking sector vulnerabilities, and broader economic conditions.
Methodology
Data is collected through regulatory reporting requirements, where banks document loan charge-offs as a percentage of total commercial real estate loan portfolios.
Historical Context
This indicator is used by policymakers, investors, and financial analysts to evaluate credit market conditions and potential systemic risks in the banking sector.
Key Facts
- Measures loan write-offs for smaller banks outside the top 100 by asset size
- Provides insight into commercial real estate lending risk
- Reflects potential economic stress in the banking sector
FAQs
Q: What does a high charge-off rate indicate?
A: A high charge-off rate suggests increased financial stress, potential economic downturn, or deteriorating credit quality in the commercial real estate market.
Q: Why focus on banks not among the 100 largest?
A: Smaller banks often have different lending practices and risk profiles compared to large national banks, making their charge-off rates a unique economic indicator.
Q: How is this data collected?
A: Banks report loan charge-offs to regulatory authorities as part of their standard financial reporting requirements.
Q: How do policymakers use this information?
A: Regulators and policymakers use this data to assess banking sector health, potential systemic risks, and inform monetary and regulatory decisions.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of commercial real estate lending conditions.
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Citation
U.S. Federal Reserve, Charge-Off Rate on Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, Banks Not Among the 100 Largest in Size by Assets [CORCREXFOBS], retrieved from FRED.
Last Checked: 8/1/2025