Delinquency Rate on Loans Secured by Real Estate, Banks Not Among the 100 Largest in Size by Assets
DRSREOBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.19
Year-over-Year Change
54.55%
Date Range
1/1/1987 - 1/1/2025
Summary
This economic indicator tracks the percentage of real estate loans that are past due among smaller banks in the United States. The delinquency rate provides critical insight into the health of regional lending markets and potential stress in the real estate 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 trend measures loan performance for banks not classified among the top 100 by asset size, offering a nuanced view of smaller financial institutions' lending risks. Economists use this metric to assess credit quality, potential economic strain, and regional lending dynamics.
Methodology
Data is collected through regulatory reporting requirements, with banks systematically reporting loan performance and delinquency status to federal financial oversight agencies.
Historical Context
This indicator is used by policymakers, financial regulators, and investors to evaluate credit market conditions and potential systemic risks in the banking sector.
Key Facts
- Tracks loan delinquencies for smaller regional and community banks
- Provides insight into regional lending market health
- Helps identify potential economic stress in real estate financing
FAQs
Q: What does a rising delinquency rate indicate?
A: A rising delinquency rate suggests increasing financial stress among borrowers and potential credit market challenges in the real estate sector.
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 among the 100 largest?
A: Smaller banks often reflect more localized economic conditions and can provide unique insights into regional economic health.
Q: How do policymakers use this data?
A: Regulators and policymakers use this trend to assess credit market risks and potentially adjust monetary or lending policies.
Q: What are the limitations of this indicator?
A: The data only covers smaller banks and may not fully represent the entire banking sector's performance.
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Citation
U.S. Federal Reserve, Delinquency Rate on Loans Secured by Real Estate, Banks Not Among the 100 Largest in Size by Assets [DRSREOBS], retrieved from FRED.
Last Checked: 8/1/2025