Asset Quality Measures, Net Charge-Offs on All Loans and Leases, To Consumers, Other, Banks Not Among the 100 Largest in Size by Assets
NCOALLCOOB • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
385.00
Year-over-Year Change
243.75%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks net charge-offs for loans and leases among smaller U.S. banks, providing insight into credit quality and potential financial stress. It serves as a critical metric for understanding lending risks and overall banking sector health.
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 for smaller financial institutions. Economists use this trend to assess credit risk, banking sector stability, and potential economic pressures.
Methodology
Data is collected through regulatory reporting, where banks calculate the difference between total loan defaults and any recoveries for loans not among the top 100 largest banks by asset size.
Historical Context
Policymakers and financial regulators use this metric to monitor banking sector resilience and potential systemic risks in the credit market.
Key Facts
- Measures loan defaults for smaller U.S. banks
- Indicates potential credit market stress
- Important indicator of banking sector health
FAQs
Q: What does a net charge-off represent?
A: A net charge-off is the amount of loan debt a bank has written off as uncollectible after subtracting any recoveries. It represents a direct financial loss for the bank.
Q: Why are net charge-offs important for economic analysis?
A: Net charge-offs provide insight into credit quality, lending practices, and potential economic stress in the banking sector. Higher charge-offs can signal economic challenges.
Q: How are these charge-offs calculated?
A: Banks calculate net charge-offs by subtracting any recovered funds from the total value of loans deemed unrecoverable, focusing on banks outside the top 100 by asset size.
Q: What can high net charge-offs indicate?
A: Elevated net charge-offs may suggest economic downturn, increased unemployment, or deteriorating credit conditions in specific lending segments.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this metric quarterly, providing a consistent snapshot of banking sector credit quality over time.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Net Charge-Offs on All Loans and Leases, To Consumers, Other, Banks Not Among the 100 Largest in Size by Assets [NCOALLCOOB], retrieved from FRED.
Last Checked: 8/1/2025