Delinquency Rate on Consumer Loans, Banks Not Among the 100 Largest in Size by Assets
DRCLOBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2.87
Year-over-Year Change
42.08%
Date Range
1/1/1987 - 1/1/2025
Summary
The Delinquency Rate on Consumer Loans for smaller banks tracks the percentage of consumer loans that are past due or in default at banks not among the top 100 by asset size. This metric provides critical insight into consumer financial health and potential economic 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
This economic indicator measures the credit risk and payment performance of consumer loans at smaller regional and community banks. Economists use this trend to assess consumer financial stability, potential credit market challenges, and early warning signs of economic downturns.
Methodology
The data is collected through regulatory reporting requirements, where banks report the percentage of consumer loans that are 30 days or more past due.
Historical Context
Policymakers and financial regulators use this trend to monitor credit market conditions and potential systemic risks in the banking system.
Key Facts
- Tracks delinquency rates for consumer loans at smaller banks
- Provides insight into consumer financial stress
- Helps predict potential economic challenges
FAQs
Q: What does a rising delinquency rate indicate?
A: A rising delinquency rate suggests increasing financial stress among consumers and potential economic challenges. It may signal higher unemployment or reduced consumer purchasing power.
Q: Why focus on banks not among the 100 largest?
A: Smaller banks often serve local and regional markets, providing a more nuanced view of consumer financial health across different economic segments.
Q: How is the delinquency rate calculated?
A: The rate is calculated by dividing the total value of delinquent loans by the total value of outstanding consumer loans, expressed as a percentage.
Q: How do policymakers use this data?
A: Policymakers use this trend to assess credit market conditions, potential economic risks, and inform monetary and regulatory decisions.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a consistent snapshot of consumer loan performance.
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Citation
U.S. Federal Reserve, Delinquency Rate on Consumer Loans, Banks Not Among the 100 Largest in Size by Assets [DRCLOBS], retrieved from FRED.
Last Checked: 8/1/2025