Borrowings, All Commercial Banks
H8B3094NCBA • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2,365,559.40
Year-over-Year Change
11.16%
Date Range
5/31/2006 - 7/23/2025
Summary
This economic indicator tracks total borrowings across all U.S. commercial banks, providing insight into credit market dynamics and financial system liquidity. It serves as a critical metric for understanding banking sector financial health and potential economic pressures.
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 borrowing activities of commercial banks, reflecting their funding strategies and potential financial stress. Economists analyze these borrowings as a key indicator of banking sector resilience and monetary policy transmission.
Methodology
Data is collected through comprehensive bank reporting requirements mandated by the Federal Reserve, aggregating borrowing information from financial institutions nationwide.
Historical Context
This metric is crucial for central bank policymakers, financial regulators, and market analysts in assessing banking sector stability and potential systemic risks.
Key Facts
- Represents total borrowing across U.S. commercial banking institutions
- Provides insight into banking sector financial strategies
- Reflects potential economic stress and liquidity conditions
FAQs
Q: What do commercial bank borrowings indicate?
A: They reflect banks' funding strategies and potential financial pressures. Higher borrowing can suggest increased liquidity needs or economic uncertainty.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data weekly or monthly. Precise update schedules can vary based on reporting cycles.
Q: Why do economists track bank borrowings?
A: These borrowings provide critical insights into banking sector health, monetary policy effectiveness, and potential systemic financial risks.
Q: How do bank borrowings relate to economic policy?
A: Central banks use this data to assess credit market conditions and potentially adjust monetary policy, such as interest rates or reserve requirements.
Q: What are the limitations of this data?
A: The metric provides an aggregate view and may not capture nuanced individual bank performance or specific regional variations.
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Citation
U.S. Federal Reserve, Borrowings, All Commercial Banks [H8B3094NCBA], retrieved from FRED.
Last Checked: 8/1/2025