Commercial and Industrial Loans, All Commercial Banks
H8B1023NCBCMG • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
8.60
Year-over-Year Change
62.26%
Date Range
2/1/1947 - 6/1/2025
Summary
Commercial and Industrial Loans track the total outstanding loans made by commercial banks to businesses for operational and investment purposes. This metric serves as a critical indicator of business investment, economic health, and potential future economic growth.
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 value of short-term and long-term loans extended to businesses across various sectors, reflecting corporate borrowing activity and confidence. Economists use this trend to assess business investment cycles, credit market conditions, and potential economic expansion or contraction.
Methodology
Data is collected through mandatory reporting by commercial banks to the Federal Reserve, aggregating loan volumes across different banking institutions.
Historical Context
Policymakers and financial analysts use this trend to evaluate monetary policy effectiveness, credit market liquidity, and potential economic stimulus requirements.
Key Facts
- Represents total outstanding business loans across U.S. commercial banks
- Fluctuates with economic cycles and business investment sentiment
- Provides insights into corporate borrowing and potential economic momentum
FAQs
Q: What do commercial and industrial loans indicate?
A: They reflect business borrowing activity and potential economic investment. Higher loan volumes typically suggest increased business confidence and expansion plans.
Q: How do these loans impact economic growth?
A: Increased lending can stimulate business investment, job creation, and economic expansion. Conversely, declining loan volumes might signal economic uncertainty.
Q: How frequently is this data updated?
A: The Federal Reserve updates this series weekly, providing near-real-time insights into commercial lending trends.
Q: What sectors typically utilize these loans?
A: Manufacturing, technology, services, and construction frequently leverage commercial and industrial loans for operational expenses and capital investments.
Q: How do interest rates affect these loans?
A: Lower interest rates typically encourage borrowing, while higher rates can reduce loan volumes and business investment activities.
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Citation
U.S. Federal Reserve, Commercial and Industrial Loans, All Commercial Banks [H8B1023NCBCMG], retrieved from FRED.
Last Checked: 8/1/2025