Residual (Assets Less Liabilities), All Commercial Banks
H8B1091NCBCMG • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
17.90
Year-over-Year Change
72.12%
Date Range
2/1/1973 - 7/1/2025
Summary
This economic indicator measures the net financial position of all commercial banks in the United States by calculating the difference between total assets and total liabilities. It provides a critical snapshot of the banking sector's overall financial health and potential systemic risks.
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 residual value represents the aggregate net worth of commercial banks, reflecting their capital reserves, equity, and potential buffers against economic shocks. Economists closely monitor this metric to assess banking sector stability and potential systemic financial vulnerabilities.
Methodology
Data is collected through comprehensive bank reporting requirements mandated by the Federal Reserve, aggregating financial statements from all commercial banking institutions.
Historical Context
Policymakers and financial regulators use this trend to evaluate banking sector resilience, inform monetary policy decisions, and assess potential systemic financial risks.
Key Facts
- Represents the net financial position of all U.S. commercial banks
- Indicates potential banking sector strength and capital reserves
- Used as a critical indicator of financial system health
FAQs
Q: What does this economic indicator specifically measure?
A: It measures the difference between total assets and total liabilities for all commercial banks in the United States, providing insight into the banking sector's net financial position.
Q: Why is this trend important for economic analysis?
A: This trend helps economists and policymakers assess the overall financial health and potential risks within the banking system, which is crucial for understanding economic stability.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this data on a weekly or monthly basis, allowing for near-real-time monitoring of banking sector dynamics.
Q: Can this indicator predict financial crises?
A: While not a definitive predictor, significant changes in this metric can signal potential systemic risks or emerging financial sector vulnerabilities.
Q: What are the limitations of this economic indicator?
A: The indicator provides an aggregate view and may not capture individual bank performance or specific regional banking variations.
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Citation
U.S. Federal Reserve, Residual (Assets Less Liabilities), All Commercial Banks [H8B1091NCBCMG], retrieved from FRED.
Last Checked: 8/1/2025