Asset Quality Measures, Delinquencies on All Loans and Leases, Commercial and Industrial, All Commercial Banks
DALLCIACBEP • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
30,666.00
Year-over-Year Change
23.89%
Date Range
1/1/1987 - 1/1/2025
Summary
This economic indicator tracks the percentage of commercial and industrial loans that are delinquent across all U.S. commercial banks. It serves as a critical measure of credit risk and overall economic health in the business 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 delinquency rate reflects the proportion of loans that are past due, providing insights into the financial stress of businesses and potential credit market challenges. Economists use this metric to assess the current state of commercial lending and potential economic downturns.
Methodology
Data is collected through regulatory reporting by commercial banks, tracking loans that are 30 days or more past due relative to the total volume of commercial and industrial loans.
Historical Context
Policymakers and financial analysts use this trend to evaluate credit market conditions, potential banking sector risks, and broader economic performance.
Key Facts
- Measures the percentage of past-due commercial and industrial loans
- Indicates potential financial stress in the business sector
- Tracked across all U.S. commercial banks
FAQs
Q: What does a rising delinquency rate indicate?
A: A rising delinquency rate typically suggests increasing financial stress among businesses 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 commercial loan performance.
Q: Why do economists care about loan delinquencies?
A: Loan delinquencies are a leading indicator of economic health, signaling potential issues in business performance and credit markets.
Q: How does this metric impact banking policy?
A: High delinquency rates may prompt banks to tighten lending standards and regulators to increase monitoring of credit markets.
Q: What are the limitations of this indicator?
A: The metric only captures loans 30 days or more past due and does not provide granular details about specific industry or regional variations.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Delinquencies on All Loans and Leases, Commercial and Industrial, All Commercial Banks [DALLCIACBEP], retrieved from FRED.
Last Checked: 8/1/2025