Asset Quality Measures, Delinquencies on All Loans and Leases, All Commercial Banks
DALLACBEP • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
188,605.00
Year-over-Year Change
42.38%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks the percentage of loans and leases that are delinquent across all commercial banks in the United States. It serves as a critical measure of credit risk and overall financial health 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 delinquency rate reflects the proportion of loan accounts that are past due, providing insights into borrower financial stress and potential credit market challenges. Economists and financial analysts use this metric to assess the stability of lending institutions and broader economic conditions.
Methodology
Data is collected through regulatory reporting by commercial banks, tracking loans that are 30 days or more past due relative to total loan volumes.
Historical Context
Policymakers and financial regulators use this trend to monitor potential systemic risks and inform monetary and banking supervision strategies.
Key Facts
- Measures the percentage of loans past due across all commercial banks
- Indicates potential financial stress in borrower populations
- Serves as an early warning indicator for economic downturns
FAQs
Q: What does a rising delinquency rate indicate?
A: A rising delinquency rate typically suggests increasing financial stress among borrowers and potential economic challenges.
Q: How often is this data updated?
A: The data is typically updated quarterly by the Federal Reserve, providing a current snapshot of loan performance.
Q: Why do economists care about loan delinquencies?
A: Loan delinquencies can signal broader economic issues like unemployment, reduced income, or declining economic conditions.
Q: How do delinquency rates impact banking?
A: High delinquency rates can lead to increased loan loss provisions, reduced bank profitability, and potentially tighter lending standards.
Q: What are the limitations of this indicator?
A: The data provides a broad overview but may not capture nuanced differences across specific loan types or regional variations.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Delinquencies on All Loans and Leases, All Commercial Banks [DALLACBEP], retrieved from FRED.
Last Checked: 8/1/2025