Delinquency Rate on Business Loans, Banks Not Among the 100 Largest in Size by Assets
DRBLOBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.85
Year-over-Year Change
22.52%
Date Range
1/1/1987 - 1/1/2025
Summary
The Delinquency Rate on Business Loans for smaller banks tracks the percentage of business loan portfolios that are past due or in default. This metric provides critical insight into the financial health of smaller banking institutions and their business lending practices.
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 credit risk and loan performance of banks not among the top 100 by asset size. Economists use this trend to assess the overall financial stability of smaller regional and community banks and their lending environments.
Methodology
The data is collected through regulatory reporting requirements where banks report the proportion of business loans that are 30 days or more past due.
Historical Context
Policymakers and financial regulators use this trend to monitor potential systemic risks and assess the lending capacity of smaller financial institutions.
Key Facts
- Tracks loan delinquencies for banks outside the top 100 by asset size
- Indicates credit risk and lending health of smaller financial institutions
- Provides insights into regional and community bank performance
FAQs
Q: What does a rising delinquency rate indicate?
A: A rising delinquency rate suggests increasing financial stress among borrowers and potential credit risk for smaller banks.
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 banks not in the top 100 by assets?
A: Smaller banks play a crucial role in local and regional economies, making their lending performance a key economic indicator.
Q: How do delinquency rates impact bank lending?
A: Higher delinquency rates can lead banks to tighten lending standards, potentially reducing credit availability for businesses.
Q: What are the limitations of this metric?
A: The data only represents banks not in the top 100 by assets and does not capture the entire banking sector's performance.
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Citation
U.S. Federal Reserve, Delinquency Rate on Business Loans, Banks Not Among the 100 Largest in Size by Assets [DRBLOBS], retrieved from FRED.
Last Checked: 8/1/2025