Delinquency Rate on Business Loans, All Commercial Banks
Not Seasonally Adjusted
DRBLACBN • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.31
Year-over-Year Change
23.58%
Date Range
1/1/1987 - 1/1/2025
Summary
Not Seasonally Adjusted (NSA) data represents raw economic measurements without statistical adjustments for predictable seasonal variations. This approach provides a direct view of actual economic activity, revealing underlying trends without smoothing effects.
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
NSA data captures economic indicators in their original form, showing unmodified fluctuations that can occur due to seasonal patterns like weather, holidays, or annual business cycles. Economists use this raw data to understand granular economic movements and validate seasonally adjusted calculations.
Methodology
Data is collected through systematic surveys, government reporting mechanisms, and statistical sampling techniques that capture economic activity in its unmodified state.
Historical Context
NSA data is crucial for policymakers, researchers, and analysts who need to understand precise economic movements without statistical smoothing.
Key Facts
- NSA data shows economic indicators without smoothing seasonal variations
- Provides direct, unmodified economic measurements
- Essential for understanding granular economic trends
FAQs
Q: What does 'Not Seasonally Adjusted' mean?
A: NSA data represents economic measurements in their original form without statistical adjustments for predictable seasonal patterns like holidays or weather.
Q: Why is NSA data important?
A: NSA data reveals actual economic activity without smoothing, helping analysts understand raw economic movements and validate adjusted calculations.
Q: How is NSA data different from seasonally adjusted data?
A: NSA data shows raw numbers without modifications, while seasonally adjusted data removes predictable fluctuations to reveal underlying trends.
Q: When should NSA data be used?
A: NSA data is most useful for detailed analysis, comparing specific time periods, and understanding direct economic activity without statistical manipulation.
Q: How often is NSA data updated?
A: Update frequency varies by indicator but typically occurs monthly or quarterly, depending on the specific economic measurement being tracked.
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Citation
U.S. Federal Reserve, Not Seasonally Adjusted [DRBLACBN], retrieved from FRED.
Last Checked: 8/1/2025