Asset Quality Measures, Delinquencies on All Loans and Leases, Commercial and Industrial, Banks Not Among the 100 Largest in Size by Assets
DALLCIOBEP • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
7,293.00
Year-over-Year Change
36.85%
Date Range
1/1/1987 - 1/1/2025
Summary
This economic indicator tracks delinquency rates on commercial and industrial loans for smaller banks, providing insight into credit risk and financial health. It serves as an important early warning signal for potential economic stress in business lending markets.
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 metric represents the percentage of commercial and industrial loans that are past due, focusing specifically on banks not among the top 100 by asset size. Economists use this data to assess credit quality, lending standards, and potential emerging financial risks in the small and medium business sector.
Methodology
Data is collected through regulatory reporting requirements, where banks systematically track and report loan delinquency status to federal financial regulatory agencies.
Historical Context
This trend is critically analyzed by policymakers, central bankers, and financial regulators to understand credit market conditions and potential economic vulnerabilities.
Key Facts
- Tracks loan delinquencies for smaller regional and community banks
- Provides early signals of potential financial stress in business lending
- Excludes the largest 100 banks by asset size
FAQs
Q: What does a rising delinquency rate indicate?
A: A rising delinquency rate suggests increasing financial stress among businesses and potential challenges in loan repayment, which could signal broader economic difficulties.
Q: Why focus on banks not among the 100 largest?
A: Smaller banks often serve local and regional markets, providing unique insights into economic conditions that might differ from trends in large national banks.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this data quarterly, allowing for consistent tracking of lending market conditions.
Q: How do policymakers use this information?
A: Central banks and regulators use this data to assess credit market health, potentially informing monetary policy and banking regulations.
Q: What are the limitations of this indicator?
A: The data excludes the largest banks and represents a snapshot of a specific segment of the lending market, so it should be considered alongside other economic indicators.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Delinquencies on All Loans and Leases, Commercial and Industrial, Banks Not Among the 100 Largest in Size by Assets [DALLCIOBEP], retrieved from FRED.
Last Checked: 8/1/2025