Delinquency Rate on All Loans, Banks Ranked 1st to 100th Largest in Size by Assets
DRALT100S • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.60
Year-over-Year Change
22.14%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks the percentage of loans that are past due among the 100 largest U.S. banks by total assets. It serves as a critical barometer of credit quality and potential financial stress in the banking 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
The delinquency rate provides insight into borrower repayment behavior and overall economic health across different loan categories. Economists use this metric to assess credit risk, potential loan defaults, and early warning signs of economic challenges.
Methodology
Data is collected through regulatory reporting requirements, with banks systematically tracking and reporting loans that are 30 days or more past due.
Historical Context
Policymakers and financial regulators use this trend to monitor banking system stability and potential systemic risks.
Key Facts
- Tracks delinquency rates across the largest 100 U.S. banks
- Provides early indicators of potential economic stress
- Covers multiple loan types including commercial and consumer loans
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 Federal Reserve typically updates this data quarterly, providing a current snapshot of loan performance.
Q: Why focus on the top 100 banks?
A: These banks represent a significant portion of total U.S. banking assets and provide a comprehensive view of national credit conditions.
Q: How do economists use this data?
A: Economists analyze this trend to assess credit market health, predict potential economic downturns, and inform monetary policy decisions.
Q: What are the limitations of this indicator?
A: The data only covers the largest banks and may not fully represent smaller regional or community banking trends.
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Citation
U.S. Federal Reserve, Delinquency Rate on All Loans, Banks Ranked 1st to 100th Largest in Size by Assets [DRALT100S], retrieved from FRED.
Last Checked: 8/1/2025