Charge-Off Rate on Loans Secured by Real Estate, Banks Ranked 1st to 100th Largest in Size by Assets
CORSRET100S • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
0.13
Year-over-Year Change
N/A%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks the percentage of real estate loans that banks have written off as uncollectible across the 100 largest U.S. banks by asset size. The charge-off rate serves as a critical barometer of credit quality and potential financial stress in the banking sector's real estate lending portfolio.
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 loans that banks have determined to be unrecoverable, reflecting underlying economic conditions and borrower financial health. Economists and financial analysts use this metric to assess credit risk, banking sector stability, and potential economic downturns.
Methodology
Data is collected through regulatory reporting requirements, where banks document loan charge-offs as a percentage of total real estate loan portfolios for the top 100 banks by total assets.
Historical Context
Policymakers and financial regulators use this trend to monitor banking sector risk, inform monetary policy decisions, and assess potential systemic financial vulnerabilities.
Key Facts
- Tracks loan charge-offs for the largest 100 U.S. banks
- Provides insight into banking sector credit quality
- Reflects broader economic and real estate market conditions
FAQs
Q: What does a rising charge-off rate indicate?
A: A rising charge-off rate typically suggests increasing financial stress among borrowers and potential economic challenges in the real estate market.
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 focus on the top 100 banks?
A: These banks represent a significant portion of total U.S. banking assets, providing a comprehensive view of national lending trends.
Q: How do charge-offs impact bank performance?
A: High charge-off rates can reduce bank profitability, increase lending restrictions, and potentially signal broader economic challenges.
Q: What limitations exist in this data?
A: The metric only covers the 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 Loans Secured by Real Estate, Banks Ranked 1st to 100th Largest in Size by Assets [CORSRET100S], retrieved from FRED.
Last Checked: 8/1/2025