Delinquency Rate on Business Loans, Banks Ranked 1st to 100th Largest in Size by Assets
DRBLT100S • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.18
Year-over-Year Change
20.41%
Date Range
1/1/1987 - 1/1/2025
Summary
This economic indicator tracks the percentage of business loans that are past due among the top 100 U.S. banks by asset size. It serves as a critical barometer of credit risk and overall business financial health 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 reflects the proportion of business loan portfolios experiencing payment delays, typically 30 days or more past due. Economists and financial analysts use this metric to assess credit market conditions, potential economic stress, and banking sector risk.
Methodology
Data is collected through regulatory reporting requirements from banks, which track and report loan performance to federal banking authorities.
Historical Context
This trend is used by policymakers, central bankers, and investors to gauge economic conditions, potential credit market challenges, and overall business lending environment.
Key Facts
- Measures loan delinquencies among top 100 U.S. banks by asset size
- Provides insight into business credit market conditions
- Helps predict potential economic stress or recovery
FAQs
Q: What does a rising delinquency rate indicate?
A: A rising delinquency rate typically suggests increasing financial stress among businesses and potential economic challenges. It may signal reduced ability of companies to meet loan obligations.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of business loan performance across major U.S. banks.
Q: Why do economists track this metric?
A: This metric helps economists assess credit market health, potential banking sector risks, and early indicators of broader economic trends or potential recession.
Q: How does this differ from consumer loan delinquencies?
A: This specific metric focuses exclusively on business loans, whereas consumer loan delinquencies track individual borrower performance in areas like credit cards and personal loans.
Q: What constitutes a 'delinquent' business loan?
A: Typically, a business loan is considered delinquent if payment is 30 days or more past the scheduled due date, indicating potential repayment difficulties.
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Citation
U.S. Federal Reserve, Delinquency Rate on Business Loans, Banks Ranked 1st to 100th Largest in Size by Assets [DRBLT100S], retrieved from FRED.
Last Checked: 8/1/2025