Charge-Off Rate on Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, Banks Ranked 1st to 100th Largest in Size by Assets
CORCREXFT100S • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
0.32
Year-over-Year Change
700.00%
Date Range
1/1/1991 - 1/1/2025
Summary
This economic indicator tracks the percentage of commercial real estate loans that banks have written off as uncollectible, focusing on the 100 largest U.S. banks by asset size. The charge-off rate provides critical insight into the health of commercial real estate lending and potential financial stress in the banking 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 represents the proportion of commercial real estate loans that banks determine are unlikely to be recovered, signaling potential credit quality issues. Economists and financial analysts use this metric to assess banking sector risk, lending standards, and broader economic conditions in the commercial real estate market.
Methodology
Data is collected by the Federal Reserve through regulatory reporting, where banks document the value of loans deemed unrecoverable relative to their total commercial real estate loan portfolio.
Historical Context
This trend is used by policymakers, investors, and regulators to evaluate banking sector stability, credit risk, and potential systemic economic challenges.
Key Facts
- Measures loan write-offs for top 100 U.S. banks by asset size
- Excludes farmland-related commercial real estate loans
- Indicates potential credit quality and economic stress in commercial lending
FAQs
Q: What does a rising charge-off rate indicate?
A: A rising charge-off rate suggests increasing financial stress in commercial real estate lending, potentially signaling economic challenges or deteriorating credit quality.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of commercial real estate loan performance.
Q: Why exclude farmland loans?
A: Farmland loans have distinct characteristics and risk profiles, so they are separated to provide a more focused view of urban and commercial real estate lending.
Q: How do investors use this data?
A: Investors analyze this trend to assess banking sector health, potential credit risks, and make informed decisions about financial sector investments.
Q: What are the limitations of this metric?
A: The charge-off rate represents historical data and may not immediately predict future lending conditions, so it should be used alongside other economic indicators.
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Citation
U.S. Federal Reserve, Charge-Off Rate on Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, Banks Ranked 1st to 100th Largest in Size by Assets [CORCREXFT100S], retrieved from FRED.
Last Checked: 8/1/2025