Asset Quality Measures, Delinquencies on All Loans and Leases, Secured by Real Estate, All Commercial Banks
DALLSREACBEP • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
94,700.00
Year-over-Year Change
36.31%
Date Range
1/1/1987 - 1/1/2025
Summary
This economic indicator tracks the percentage of real estate-secured loans that are delinquent across all commercial banks in the United States. It serves as a critical metric for assessing credit risk and potential stress in the banking and real estate sectors.
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 provides insights into borrowers' ability to meet loan obligations and reflects broader economic health and financial stability. Economists and financial analysts use this metric to gauge potential credit market risks and predict potential economic downturns.
Methodology
Data is collected through regulatory reporting by commercial banks, tracking loans that are past due but not yet in default.
Historical Context
This trend is used by policymakers, financial regulators, and central bankers to monitor banking system health and potential systemic risks.
Key Facts
- Measures percentage of real estate-secured loans past due
- Indicates potential credit market stress
- Tracked across all commercial banks nationwide
FAQs
Q: What does a rising delinquency rate indicate?
A: A rising rate suggests increasing financial stress among borrowers and potential economic challenges. It may signal economic slowdown or increased unemployment.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of loan performance across commercial banks.
Q: Why are real estate loans significant?
A: Real estate loans represent a substantial portion of bank lending and are crucial indicators of economic health and consumer financial stability.
Q: How do policymakers use this data?
A: Regulators and central bankers use this trend to assess banking system risk and potentially adjust monetary or regulatory policies.
Q: What factors influence loan delinquency rates?
A: Economic factors like unemployment, interest rates, housing market conditions, and overall economic growth significantly impact loan delinquency rates.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Delinquencies on All Loans and Leases, Secured by Real Estate, All Commercial Banks [DALLSREACBEP], retrieved from FRED.
Last Checked: 8/1/2025