Asset Quality Measures, Net Charge-Offs on All Loans and Leases, To Consumers, Banks Not Among the 100 Largest in Size by Assets
NCOALLCOB • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1,027.00
Year-over-Year Change
148.67%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks net charge-offs for consumer loans at smaller banks, providing insight into credit quality and potential financial stress. It helps economists and policymakers understand lending risks and consumer financial health outside of the largest banking 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 writing off these assets as losses. This metric is a critical indicator of credit risk, loan performance, and potential economic challenges in the banking sector.
Methodology
Data is collected through regulatory reporting requirements, where banks document and report their loan charge-offs and recoveries to federal banking authorities.
Historical Context
Economists and financial regulators use this trend to assess credit market conditions, potential economic stress, and the overall health of smaller banking institutions.
Key Facts
- Measures net charge-offs for consumer loans at smaller banks
- Indicates potential credit market stress and loan performance
- Provides insights into banking sector financial health
FAQs
Q: What does a high net charge-off rate indicate?
A: A high net charge-off rate suggests increased loan defaults and potential economic stress in the banking sector, particularly among smaller banks.
Q: How do net charge-offs differ from total loan losses?
A: Net charge-offs represent the value of loans written off after subtracting any recoveries, providing a more precise measure of actual loan losses.
Q: How frequently is this data updated?
A: The data is typically reported quarterly by banks to federal regulatory agencies and updated accordingly in economic databases.
Q: Why focus on banks not among the 100 largest?
A: This subset provides insights into smaller banking institutions that might have different lending practices and risk profiles compared to major national banks.
Q: How do net charge-offs impact banking policy?
A: High net charge-off rates can trigger regulatory scrutiny, potentially leading to stricter lending standards or increased capital requirements for banks.
Related News
S&P 500 Rises With Optimistic U.S. Inflation Report
S&P 500 Soars: Positive U.S. Inflation Developments The S&P 500, a primary stock index that tracks the performance of 500 major U.S. companies, has...
U.S. Stock Market Rises Amid PCE Inflation Report Analysis
U.S. Stock Market Climbs Amidst Insights from PCE Inflation Report Investors in the U.S. stock market are focusing on the most recent PCE Inflation...
U.S. Home Sales Decline In August Due To High Prices
August 2023 U.S. Home Sales Decline Amid Rising Mortgage Rates and High Prices In August 2023, U.S. home sales experienced a notable decline, highl...
Gen Z In the U.S. Shifts From Spending To Saving Habits
How Gen Z's Shift from Spending to Saving is Impacting the US Economy Recent trends indicate a significant shift in the spending habits of Gen Z, w...
U.S. Stock Market Futures Rise On Inflation and Tariff News
US Stock Market Futures Rise Amid Inflation Data and Tariff News US stock market futures are on the rise, driven by significant updates in inflatio...
U.S. Treasury Yields Decline After Inflation Data Meet Expectations
US Treasury Yields Drop as Inflation Data Meets Expectations US Treasury yields have seen a noticeable decline recently, as the latest inflation da...
Related Trends
Asset Quality Measures, Net Charge-Offs on All Loans and Leases, To Consumers, Credit Cards, All Commercial Banks
NCOALLCCACB
Charge-Off Rate on Loans to Finance Agricultural Production, Banks Ranked 1st to 100th Largest in Size by Assets
CORLAGT100N
Charge-Off Rate on Lease Financing Receivables, Banks Not Among the 100 Largest in Size by Assets
CORLFROBS
Charge-Off Rate on Other Consumer Loans, All Commercial Banks
COROCLACBS
Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Banks Not Among the 100 Largest in Size by Assets
NCOALLOB
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
Citation
U.S. Federal Reserve, Asset Quality Measures, Net Charge-Offs on All Loans and Leases, To Consumers, Banks Not Among the 100 Largest in Size by Assets [NCOALLCOB], retrieved from FRED.
Last Checked: 8/1/2025