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.
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Citation
U.S. Federal Reserve, Delinquency Rate on All Loans, All Commercial Banks [DRALACBN], retrieved from FRED.
Last Checked: 8/1/2025