Loans to Commercial Banks, All Commercial Banks
H8B1047NCBCMG • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
-38.10
Year-over-Year Change
-271.62%
Date Range
2/1/1973 - 6/1/2025
Summary
This economic indicator tracks total loans held by commercial banks in the United States, providing insight into credit market conditions and banking sector health. The trend reflects lending activity, which is crucial for understanding economic expansion, business investment, and potential monetary policy implications.
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 aggregate lending volumes across all commercial banking institutions, capturing both commercial and consumer loan portfolios. Economists use this metric to assess credit availability, potential economic growth, and financial system liquidity.
Methodology
Data is collected through regulatory reporting requirements from commercial banks to the Federal Reserve, aggregating loan balances across different banking institutions.
Historical Context
Policymakers and financial analysts use this trend to evaluate credit market conditions, potential economic stimulus, and overall banking sector performance.
Key Facts
- Represents total lending volumes across U.S. commercial banking institutions
- Provides critical insight into credit market conditions
- Reflects potential economic expansion and investment opportunities
FAQs
Q: What does this economic indicator measure?
A: It tracks the total volume of loans held by commercial banks in the United States, including commercial and consumer loans.
Q: Why are commercial bank loans important?
A: They represent a key mechanism for economic growth, enabling businesses and consumers to access capital for investments and spending.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this series weekly or monthly, providing near-real-time insights into lending trends.
Q: How do changes in commercial bank loans impact the economy?
A: Increases can signal economic expansion and confidence, while decreases might indicate tightening credit conditions or economic uncertainty.
Q: What are the limitations of this indicator?
A: The data represents aggregate lending and does not provide granular details about specific loan types or individual bank performance.
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ALFAPGOB
Other Securities: Non-MBS, All Commercial Banks
H8B1304NCBCQG
Loans Secured by Real Estate, Banks Not Among the 100 Largest in Size by Assets
ALSREOB
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Citation
U.S. Federal Reserve, Loans to Commercial Banks, All Commercial Banks [H8B1047NCBCMG], retrieved from FRED.
Last Checked: 8/1/2025