Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Commercial and Industrial, Banks Not Among the 100 Largest in Size by Assets
NCOALLCIOB • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
386.00
Year-over-Year Change
443.66%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks net charge-offs for commercial and industrial loans among smaller banks, providing insight into credit quality and potential financial stress. It serves as an important metric for understanding lending risks and banking sector health outside of the largest financial institutions.
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
Net charge-offs represent the value of loans that banks have determined are unlikely to be collected, effectively measuring credit losses in the commercial lending segment. Economists use this trend to assess the financial performance and risk management of smaller banking institutions.
Methodology
Data is collected through regulatory reporting requirements, where banks calculate and report the difference between total loans and the amount expected to be recovered.
Historical Context
This metric is crucial for monetary policy makers, bank regulators, and investors in assessing the overall credit environment and potential economic risks.
Key Facts
- Measures loan losses for smaller banks outside the top 100 by asset size
- Indicates potential credit risk and economic stress in commercial lending
- Provides insight into banking sector financial health
FAQs
Q: What do net charge-offs indicate about bank performance?
A: Net charge-offs reflect the value of loans a bank has written off as uncollectible, serving as a key indicator of credit quality and potential financial challenges.
Q: Why are net charge-offs important for smaller banks?
A: They provide crucial insights into the lending risks and financial health of smaller banking institutions that may be more vulnerable to economic fluctuations.
Q: How are net charge-offs calculated?
A: Net charge-offs are calculated by subtracting the value of loans recovered from the total value of loans deemed uncollectible during a specific period.
Q: How do net charge-offs impact economic analysis?
A: They serve as an early warning indicator of potential economic stress and can inform monetary policy decisions and banking sector assessments.
Q: How frequently is this data updated?
A: The data is typically reported quarterly, providing regular updates on the credit quality of smaller banking institutions.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Commercial and Industrial, Banks Not Among the 100 Largest in Size by Assets [NCOALLCIOB], retrieved from FRED.
Last Checked: 8/1/2025