Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Commercial and Industrial, Banks Ranked 1st to 100th Largest in Size by Assets
NCOALLCIT100B • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2,592.00
Year-over-Year Change
351.57%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks net charge-offs for commercial and industrial loans among the top 100 largest U.S. banks by asset size. It provides critical insight into credit quality and potential financial sector stress by measuring the value of loans deemed uncollectible.
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 total value of loans that banks have written off as unlikely to be recovered, minus any recoveries of previously written-off debt. Economists and financial analysts use this metric to assess banking sector health, credit risk, and potential economic challenges.
Methodology
Data is collected through regulatory reporting requirements, where banks document loan charge-offs and recoveries according to standardized accounting principles.
Historical Context
This trend is closely monitored by Federal Reserve policymakers, investors, and financial regulators to evaluate credit market conditions and potential systemic risks.
Key Facts
- Measures loan write-offs for top 100 U.S. banks by asset size
- Indicates potential credit market stress and banking sector performance
- Provides early warning signals for economic challenges
FAQs
Q: What do net charge-offs indicate about bank performance?
A: Higher net charge-offs suggest increased loan defaults and potential credit quality issues in the banking sector. They can signal economic stress or challenges in specific industries.
Q: How often is this data updated?
A: Typically, this data is reported quarterly by banks and compiled by regulatory agencies like the Federal Reserve.
Q: Why are only the top 100 banks included?
A: These banks represent the majority of total banking assets and provide a comprehensive view of the U.S. banking sector's credit performance.
Q: How do net charge-offs impact monetary policy?
A: High net charge-offs can influence Federal Reserve decisions about interest rates and banking regulations to mitigate systemic financial risks.
Q: What limitations exist in this data?
A: The metric focuses only on the largest banks and may not fully represent smaller regional or community banking trends.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Commercial and Industrial, Banks Ranked 1st to 100th Largest in Size by Assets [NCOALLCIT100B], retrieved from FRED.
Last Checked: 8/1/2025