Charge-Off Rate on Loans Secured by Real Estate, Banks Not Among the 100 Largest in Size by Assets
CORSREOBN • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
0.07
Year-over-Year Change
N/A%
Date Range
1/1/1985 - 4/1/2025
Summary
The Charge-Off Rate on Loans Secured by Real Estate for smaller banks tracks the percentage of real estate loans that are deemed uncollectible. This metric provides critical insight into the financial health and credit risk 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 rate at which smaller banks are writing off real estate loans as unrecoverable, reflecting potential stress in the real estate lending market. Economists use this trend to assess credit quality, lending standards, and potential systemic risks in the banking sector.
Methodology
The data is collected by aggregating charge-off rates from banks not among the 100 largest in total assets, calculated as the total value of defaulted loans divided by total outstanding real estate loans.
Historical Context
Policymakers and financial regulators use this metric to monitor banking sector stability and potential economic vulnerabilities.
Key Facts
- Tracks charge-off rates for smaller banks' real estate loans
- Indicates potential credit quality and lending risk
- Provides insight into regional and smaller banking market health
FAQs
Q: What does a charge-off rate indicate?
A: A charge-off rate represents the percentage of loans that a bank has determined are unlikely to be collected, signaling potential credit risk and financial stress.
Q: Why focus on banks not among the 100 largest?
A: Smaller banks often have different lending practices and regional exposures, making their charge-off rates important for understanding diverse market conditions.
Q: How is the charge-off rate calculated?
A: The rate is calculated by dividing the total value of defaulted real estate loans by the total outstanding real estate loans for these smaller banks.
Q: What can high charge-off rates suggest?
A: High charge-off rates may indicate economic challenges, declining property values, or weakening borrower financial conditions.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a near-current view of banking sector loan performance.
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Citation
U.S. Federal Reserve, Charge-Off Rate on Loans Secured by Real Estate, Banks Not Among the 100 Largest in Size by Assets [CORSREOBN], retrieved from FRED.
Last Checked: 8/1/2025