Delinquency Rate on All Loans, Banks Not Among the 100 Largest in Size by Assets
DRALOBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.39
Year-over-Year Change
43.30%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks loan delinquency rates for smaller U.S. banks not among the top 100 by asset size. It provides critical insight into credit risk and financial health across regional and community banking institutions.
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 measures the percentage of loans that are past due but not yet in default, serving as a key barometer of borrower financial stress and banking sector credit quality. Economists and financial analysts use this metric to assess underlying economic conditions and potential systemic risks.
Methodology
Data is collected through regulatory reporting requirements, with banks systematically tracking and reporting loan payment status to federal banking authorities.
Historical Context
This trend is used by policymakers, regulators, and investors to evaluate credit market conditions, potential economic stress, and banking sector resilience.
Key Facts
- Tracks loan delinquencies for smaller regional and community banks
- Provides early warning signals of potential economic stress
- Includes various loan types across commercial and consumer lending
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. It can signal emerging risks in credit markets and economic slowdown.
Q: How do delinquency rates differ from default rates?
A: Delinquency rates measure loans past due but not yet in default, while default rates represent loans that have completely stopped payment. Delinquency is an early warning indicator of potential credit problems.
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 national trends. Their performance can reveal nuanced economic dynamics.
Q: How do policymakers use this data?
A: Regulators and central bankers use delinquency trends to assess banking sector health, potentially adjusting monetary policy or implementing targeted interventions to mitigate systemic risks.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a consistent and reliable snapshot of banking sector credit conditions over time.
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Citation
U.S. Federal Reserve, Delinquency Rate on All Loans, Banks Not Among the 100 Largest in Size by Assets [DRALOBS], retrieved from FRED.
Last Checked: 8/1/2025