Net Percentage of Domestic Banks Tightening Standards for Commercial and Industrial Loans to Large and Middle-Market Firms
DRTSCILM • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
9.50
Year-over-Year Change
-60.74%
Date Range
4/1/1990 - 7/1/2025
Summary
Tracks banks' lending standards for commercial and industrial loans to large and mid-sized firms. Indicates credit market conditions and potential economic constraints.
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 metric measures banks' willingness to extend credit to businesses. It reflects overall economic health and lending environment.
Methodology
Surveyed banks report changes in lending standards for commercial loans quarterly.
Historical Context
Federal Reserve uses this data to assess credit market conditions and potential economic pressures.
Key Facts
- Indicates bank risk assessment of business lending
- Quarterly survey of domestic bank lending practices
- Critical indicator of economic credit conditions
FAQs
Q: What does a high DRTSCILM value mean?
A: A high value suggests banks are becoming more cautious about lending to businesses. This could indicate economic uncertainty.
Q: How often is this data updated?
A: The data is typically updated quarterly by the Federal Reserve's Senior Loan Officer Opinion Survey.
Q: Why do banks tighten lending standards?
A: Banks may tighten standards during economic downturns or when they perceive increased risk in the market.
Q: How do lending standards impact businesses?
A: Tighter standards can make it harder for businesses to secure loans, potentially slowing economic growth.
Q: Can this indicator predict economic trends?
A: It serves as a leading indicator of potential economic slowdown or credit market challenges.
Related Trends
Net Percentage of Large Domestic Banks Reporting Stronger Demand for Non-Qualified Mortgage Non-Jumbo Mortgage Loans
SUBLPDHMDMLGNQ
Net Percentage of Domestic Banks Tightening Policies on Credit Card Loans to Customers That Do Not Meet Credit Scoring Thresholds
SUBLPDCLCTENQ
Net Percentage of Domestic Banks Increasing Spreads of Loan Rates Over Banks' Cost of Funds to Large and Middle-Market Firms
DRISCFLM
Net Percentage of Other Domestic Banks Tightening Policies on Consumer Loans Excluding Credit Card and Auto Loans to Customers That Do Not Meet Credit Scoring Thresholds
SUBLPDCLXTEOTHNQ
Number of Other Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Shifts in Customer Borrowing From Other Bank or Nonbank Sources Was Not an Important Reason
SUBLPDCIRSSNOTHNQ
Net Percentage of Large Domestic Banks Increasing Premiums Charged on Riskier Loans for Large and Middle-Market Firms
SUBLPDCILTRLGNQ
Citation
U.S. Federal Reserve, Net Percentage of Domestic Banks Tightening Standards for Commercial and Industrial Loans (DRTSCILM), retrieved from FRED.