Delinquency Rate on Loans Secured by Real Estate, Banks Ranked 1st to 100th Largest in Size by Assets
DRSRET100S • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.94
Year-over-Year Change
13.45%
Date Range
1/1/1987 - 1/1/2025
Summary
This economic indicator tracks the percentage of real estate loans that are delinquent among the top 100 largest U.S. banks by asset size. It serves as a critical barometer of lending health and potential risks in the banking sector's real estate portfolio.
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 provides insight into the credit quality of real estate loans and potential financial stress in the banking system. Economists use this metric to assess lending practices, borrower financial health, and potential systemic risks in the real estate market.
Methodology
Data is collected through regulatory reporting, where banks report the percentage of real estate loans that are 90 days or more past due relative to their total real estate loan portfolio.
Historical Context
Policymakers and financial regulators use this trend to monitor banking sector stability and potential economic vulnerabilities.
Key Facts
- Tracks delinquency rates for real estate loans in top 100 U.S. banks
- Indicates potential financial stress in banking and real estate sectors
- Provides early warning signals for credit market conditions
FAQs
Q: What does a rising delinquency rate indicate?
A: A rising rate suggests increasing financial stress among borrowers and potential credit quality issues in the banking sector.
Q: How often is this data updated?
A: Typically, this data is updated quarterly by the Federal Reserve as part of its comprehensive banking sector reporting.
Q: Why focus on the top 100 banks?
A: These banks represent a significant portion of the U.S. banking assets and provide a representative view of national lending trends.
Q: How do economists use this data?
A: Economists analyze this trend to assess economic health, predict potential financial challenges, and inform policy decisions.
Q: What are the limitations of this indicator?
A: The data only covers the largest banks and may not fully represent smaller regional or community banking trends.
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Citation
U.S. Federal Reserve, Delinquency Rate on Loans Secured by Real Estate, Banks Ranked 1st to 100th Largest in Size by Assets [DRSRET100S], retrieved from FRED.
Last Checked: 8/1/2025