Loans and Leases in Bank Credit, All Commercial Banks
H8B1020NCBCMG • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
6.40
Year-over-Year Change
220.00%
Date Range
2/1/1947 - 7/1/2025
Summary
This economic indicator tracks the total volume of loans and leases held by commercial banks in the United States. It provides critical insight into credit market conditions and overall economic health by reflecting banks' lending activities and financial system liquidity.
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 series represents the aggregate monetary value of loans and leases across all commercial banking institutions, serving as a key barometer of credit availability and economic expansion. Economists use this metric to assess lending trends, potential economic growth, and financial sector performance.
Methodology
Data is collected through comprehensive Federal Reserve reporting requirements, aggregating loan and lease balances from commercial banks nationwide.
Historical Context
Policymakers and financial analysts use this trend to evaluate monetary policy effectiveness, credit market dynamics, and potential economic stimulus strategies.
Key Facts
- Represents total loan and lease volumes across U.S. commercial banking sector
- Provides real-time insight into credit market conditions
- Reflects potential economic expansion or contraction
FAQs
Q: What does this economic indicator measure?
A: It measures the total dollar value of loans and leases held by all commercial banks in the United States, tracking credit market activity.
Q: Why is this trend important?
A: It serves as a critical economic health indicator, revealing lending capacity, potential economic growth, and financial system liquidity.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this series weekly, providing near real-time insights into banking sector lending.
Q: How do policymakers use this data?
A: Central banks and economic policymakers analyze this trend to assess credit market conditions and potentially adjust monetary policy.
Q: What are the limitations of this indicator?
A: While comprehensive, it does not capture non-bank lending sources or provide granular details about specific loan types or borrower characteristics.
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Citation
U.S. Federal Reserve, Loans and Leases in Bank Credit, All Commercial Banks [H8B1020NCBCMG], retrieved from FRED.
Last Checked: 8/1/2025