Delinquency Rate on Business Loans, All Commercial Banks
DRBLACBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.30
Year-over-Year Change
22.64%
Date Range
1/1/1987 - 1/1/2025
Summary
The Delinquency Rate on Business Loans tracks the percentage of commercial bank business loans that are past due or in default. This metric serves as a critical indicator of business financial health and potential economic stress.
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 business loans that are 30 days or more past due, reflecting the ability of businesses to meet their debt obligations. Economists and financial analysts use this trend to assess credit risk, business performance, and potential economic downturns.
Methodology
The data is collected by surveying commercial banks and calculating the percentage of total business loan balances that are delinquent.
Historical Context
Policymakers and central banks use this trend to inform monetary policy, assess economic resilience, and monitor potential financial system risks.
Key Facts
- Delinquency rates can signal emerging economic challenges
- Higher rates may indicate increased financial stress for businesses
- Trend is closely watched by financial regulators and investors
FAQs
Q: What does a rising delinquency rate mean?
A: A rising delinquency rate typically suggests increasing financial stress among businesses 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 business loan performance.
Q: What is considered a high delinquency rate?
A: Rates above 2-3% are generally considered elevated and may signal potential economic or sectoral challenges.
Q: How do delinquency rates impact lending?
A: Higher delinquency rates can lead banks to tighten lending standards and increase borrowing costs for businesses.
Q: What limitations exist in this data?
A: The data represents aggregate trends and may not capture nuanced variations across different business sectors or regions.
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Citation
U.S. Federal Reserve, Delinquency Rate on Business Loans, All Commercial Banks [DRBLACBS], retrieved from FRED.
Last Checked: 8/1/2025