Delinquency Rate on Other Consumer Loans, Banks Not Among the 100 Largest in Size by Assets
DROCLOBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.83
Year-over-Year Change
50.00%
Date Range
1/1/1991 - 1/1/2025
Summary
The DROCLOBS tracks the percentage of consumer loans that are past due among smaller banks not classified in the top 100 by asset size. This metric provides critical insight into consumer financial health and potential credit market 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 loan delinquency rates for consumer credit extended by smaller regional and community banks. Economists use this trend to assess borrower repayment capacity, credit risk, and potential early warning signs of economic strain.
Methodology
Data is collected through regulatory reporting requirements where banks systematically report loan performance and delinquency status to federal financial oversight agencies.
Historical Context
Policymakers and financial regulators use this trend to monitor credit market conditions, assess potential systemic risks, and inform monetary and lending policy decisions.
Key Facts
- Tracks loan delinquencies for smaller banks outside top 100 by assets
- Provides early signal of potential consumer financial stress
- Helps assess broader credit market conditions
FAQs
Q: What does a rising DROCLOBS indicate?
A: A rising delinquency rate suggests increasing financial strain among consumers and potentially higher 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 consumer loan performance.
Q: Why focus on banks not in the top 100?
A: Smaller banks often serve local and regional markets, offering unique insights into specific economic conditions not captured by large national institutions.
Q: How do policymakers use this data?
A: Regulators and central bankers use this trend to assess credit market health and potentially adjust monetary policies to mitigate economic risks.
Q: What types of loans are included?
A: The data covers various consumer loans excluding mortgages, such as personal loans, auto loans, and credit card debt.
Related News
Gen Z In the U.S. Shifts From Spending To Saving Habits
How Gen Z's Shift from Spending to Saving is Impacting the US Economy Recent trends indicate a significant shift in the spending habits of Gen Z, w...
U.S. Treasury Yields Increase Amid Strong Economic Growth and Inflation Concerns
Treasury Yields Surge Amid Economic Growth and Inflation Concerns Treasury yields are surging as investors closely monitor the evolving U.S. econom...
S&P 500 Rises With Optimistic U.S. Inflation Report
S&P 500 Soars: Positive U.S. Inflation Developments The S&P 500, a primary stock index that tracks the performance of 500 major U.S. companies, has...
U.S. Stock Market Rises Amid PCE Inflation Report Analysis
U.S. Stock Market Climbs Amidst Insights from PCE Inflation Report Investors in the U.S. stock market are focusing on the most recent PCE Inflation...
U.S. Home Sales Decline In August Due To High Prices
August 2023 U.S. Home Sales Decline Amid Rising Mortgage Rates and High Prices In August 2023, U.S. home sales experienced a notable decline, highl...
U.S. Stock Market Futures Rise On Inflation and Tariff News
US Stock Market Futures Rise Amid Inflation Data and Tariff News US stock market futures are on the rise, driven by significant updates in inflatio...
Related Trends
Asset Quality Measures, Delinquencies on All Loans and Leases, Commercial and Industrial, Banks Not Among the 100 Largest in Size by Assets
DALLCIOBEP
Asset Quality Measures, Delinquencies on All Loans and Leases, To Consumers, Credit Cards, Banks Not Among the 100 Largest in Size by Assets
DALLCCOBEP
Delinquency Rate on Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, All Commercial Banks
DRCRELEXFACBS
Asset Quality Measures, Delinquencies on All Loans and Leases, Secured by Real Estate, Banks Not Among the 100 Largest in Size by Assets
DALLSREOBEP
Asset Quality Measures, Delinquencies on All Loans and Leases, Secured by Real Estate, Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, Banks Ranked 1st to 100th Largest in Size by Assets
DALLSRECRELEXFT100EP
Delinquency Rate on Loans to Finance Agricultural Production, Banks Not Among the 100 Largest in Size by Assets
DRFAPGOBS
Citation
U.S. Federal Reserve, Delinquency Rate on Other Consumer Loans, Banks Not Among the 100 Largest in Size by Assets [DROCLOBS], retrieved from FRED.
Last Checked: 8/1/2025