Cash Assets, All Commercial Banks
H8B1048NCBCMG • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
48.00
Year-over-Year Change
147.42%
Date Range
2/1/1973 - 6/1/2025
Summary
Cash Assets, All Commercial Banks tracks the total liquid cash holdings across U.S. commercial banking institutions. This metric provides critical insight into banking system liquidity, monetary conditions, and potential economic stress or expansion.
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 trend represents the aggregate cash reserves maintained by commercial banks, reflecting their short-term financial flexibility and risk management strategies. Economists analyze these assets as a key indicator of banking sector health and potential lending capacity.
Methodology
Data is collected through mandatory Federal Reserve reporting requirements from all registered commercial banks in the United States.
Historical Context
This metric is crucial for monetary policy analysis, helping the Federal Reserve assess banking system stability and potential interventions.
Key Facts
- Represents total liquid cash holdings across U.S. commercial banks
- Fluctuates with economic conditions and monetary policy changes
- Provides insight into banking sector risk management and lending potential
FAQs
Q: What do cash assets indicate about bank health?
A: Cash assets reflect a bank's liquidity and ability to meet short-term obligations. Higher cash reserves can signal conservative risk management or potential economic uncertainty.
Q: How do cash assets impact lending?
A: Banks with higher cash assets have more capacity to extend loans, though excessive cash can also indicate reduced lending activity or economic caution.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data weekly, providing a near real-time view of commercial banking liquidity.
Q: Why do economists track cash assets?
A: Cash assets help economists understand banking sector resilience, potential credit expansion, and broader monetary policy effectiveness.
Q: What factors influence cash asset levels?
A: Interest rates, economic conditions, regulatory requirements, and Federal Reserve monetary policy significantly impact commercial bank cash holdings.
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Citation
U.S. Federal Reserve, Cash Assets, All Commercial Banks [H8B1048NCBCMG], retrieved from FRED.
Last Checked: 8/1/2025