Asset Quality Measures, Net Charge-Offs on All Loans and Leases, To Consumers, Other, Banks Ranked 1st to 100th Largest in Size by Assets
NCOALLCOT100B • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2,183.00
Year-over-Year Change
126.69%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks net charge-offs on loans and leases for the 100 largest U.S. banks, specifically focusing on consumer and other loan categories. It provides critical insight into bank asset quality and potential credit risk in the financial system.
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 and the overall health of bank lending portfolios. Economists and financial analysts use this metric to assess credit risk, banking sector stability, and potential economic stress.
Methodology
Data is collected through regulatory reporting requirements, where banks document loans written off as uncollectible, minus any recoveries, for loans to consumers and other categories.
Historical Context
This trend is crucial for monetary policy makers, bank regulators, and investors in assessing the financial system's resilience and potential economic challenges.
Key Facts
- Measures loan write-offs for top 100 U.S. banks
- Indicates potential credit market stress
- Reflects overall banking sector asset quality
FAQs
Q: What does a net charge-off represent?
A: A net charge-off is the amount of loans a bank has determined are unlikely to be collected, after subtracting any recovered funds.
Q: Why are net charge-offs important?
A: They provide insight into bank lending risks and potential economic challenges by showing the volume of uncollectible loans.
Q: How often is this data updated?
A: Typically, this data is reported quarterly by banks to regulatory authorities and updated accordingly.
Q: What can high net charge-offs indicate?
A: High net charge-offs may signal economic stress, potential recession, or significant challenges in specific lending sectors.
Q: How do net charge-offs impact bank performance?
A: Higher net charge-offs can reduce bank profitability, potentially leading to more conservative lending practices.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Net Charge-Offs on All Loans and Leases, To Consumers, Other, Banks Ranked 1st to 100th Largest in Size by Assets [NCOALLCOT100B], retrieved from FRED.
Last Checked: 8/1/2025