Delinquency Rate on All Loans, All Commercial Banks
DRALACBN • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.56
Year-over-Year Change
25.81%
Date Range
1/1/1985 - 1/1/2025
Summary
The Delinquency Rate on All Loans, All Commercial Banks tracks the percentage of loan balances that are past due across the entire U.S. commercial banking system. This metric serves as a critical indicator of overall credit quality and potential economic stress in the financial 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
This economic indicator measures the proportion of loans that are in default or significantly behind in payments across all commercial banks. Economists use this trend to assess credit risk, banking system health, and potential early warning signs of economic downturn.
Methodology
The data is collected by aggregating loan delinquency information from all commercial banks in the United States, typically reported quarterly by financial institutions.
Historical Context
Policymakers and financial regulators use this trend to monitor banking system stability and inform monetary and regulatory decisions.
Key Facts
- Represents the percentage of total loan balances that are past due
- Covers all types of loans across commercial banking system
- Serves as an early warning indicator for economic stress
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 delinquency rate is typically updated quarterly by the Federal Reserve.
Q: What types of loans are included in this metric?
A: The metric includes all types of loans across commercial banks, including consumer, commercial, and industrial loans.
Q: How do economists use this data?
A: Economists use this trend to assess credit market health, predict potential economic downturns, and inform policy decisions.
Q: What are the limitations of this indicator?
A: The indicator provides a broad view but may not capture nuanced risks in specific loan categories or regional variations.
Related News
S&P 500 Rises With Optimistic U.S. Inflation Report
S&P 500 Soars: Positive U.S. Inflation Developments The S&P 500, a primary stock index that tracks the performance of 500 major U.S. companies, has...
U.S. Stock Market Rises Amid PCE Inflation Report Analysis
U.S. Stock Market Climbs Amidst Insights from PCE Inflation Report Investors in the U.S. stock market are focusing on the most recent PCE Inflation...
U.S. Home Sales Decline In August Due To High Prices
August 2023 U.S. Home Sales Decline Amid Rising Mortgage Rates and High Prices In August 2023, U.S. home sales experienced a notable decline, highl...
Gen Z In the U.S. Shifts From Spending To Saving Habits
How Gen Z's Shift from Spending to Saving is Impacting the US Economy Recent trends indicate a significant shift in the spending habits of Gen Z, w...
U.S. Stock Market Futures Rise On Inflation and Tariff News
US Stock Market Futures Rise Amid Inflation Data and Tariff News US stock market futures are on the rise, driven by significant updates in inflatio...
U.S. Treasury Yields Decline After Inflation Data Meet Expectations
US Treasury Yields Drop as Inflation Data Meets Expectations US Treasury yields have seen a noticeable decline recently, as the latest inflation da...
Related Trends
Delinquency Rate on Farmland Loans, Booked in Domestic Offices, All Commercial Banks
DRFLACBS
Asset Quality Measures, Delinquencies on All Loans and Leases, Banks Ranked 1st to 100th Largest in Size by Assets
DALLT100EP
Asset Quality Measures, Delinquencies on All Loans and Leases, Commercial and Industrial, All Commercial Banks
DALLCIACBEP
Delinquency Rate on Consumer Loans, All Commercial Banks
DRCLACBS
Asset Quality Measures, Delinquencies on All Loans and Leases, Secured by Real Estate, Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, Banks Not Among the 100 Largest in Size by Assets
DALLSRECRELEXFOBEP
Asset Quality Measures, Delinquencies on All Loans and Leases, To Consumers, Credit Cards, Banks Not Among the 100 Largest in Size by Assets
DALLCCOBEP
Citation
U.S. Federal Reserve, Delinquency Rate on All Loans, All Commercial Banks [DRALACBN], retrieved from FRED.
Last Checked: 8/1/2025