Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Lease Financing Receivables, Banks Not Among the 100 Largest in Size by Assets
NCOALLLFROB • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
15.00
Year-over-Year Change
400.00%
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 key metric for understanding banking sector health and potential economic risks.
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 metric to assess the overall credit risk and financial performance of regional and community banks.
Methodology
Data is collected through regulatory reporting, where banks document loans written off as uncollectible, minus any recoveries of previously charged-off amounts.
Historical Context
This indicator is crucial for monetary policymakers, financial regulators, and investors in assessing the underlying health of the banking sector outside of the largest financial institutions.
Key Facts
- Measures net charge-offs for smaller U.S. banks
- Indicates potential credit risk and financial stress
- Provides insight into regional banking sector performance
FAQs
Q: What does a high net charge-off rate indicate?
A: A high net charge-off rate suggests increased credit risk and potential financial challenges for smaller banks, potentially signaling broader economic stress.
Q: How often is this data updated?
A: Typically, this data is reported quarterly by banks to regulatory authorities and updated accordingly in economic databases.
Q: Why focus on banks not among the 100 largest?
A: This metric provides insight into the financial health of regional and community banks, which play a crucial role in local economic ecosystems.
Q: How do net charge-offs impact bank lending?
A: High net charge-offs can lead banks to tighten lending standards, potentially reducing credit availability in local markets.
Q: What limitations exist in this data?
A: The metric only captures a specific segment of banks and may not fully represent the entire banking sector's credit quality.
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, Secured by Real Estate, Banks Not Among the 100 Largest in Size by Assets
NCOALLSREOB
Asset Quality Measures, Net Charge-Offs on All Loans and Leases, To Consumers, Credit Cards, Banks Not Among the 100 Largest in Size by Assets
NCOALLCCOB
Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Secured by Real Estate, Single Family Residential Mortgages, Booked in Domestic Offices, Banks Not Among the 100 Largest in Size by Assets
NCOALLSRE1FRMOB
Charge-Off Rate on Loans Secured by Real Estate, Banks Not Among the 100 Largest in Size by Assets
CORSREOBN
Charge-Off Rate on Farmland Loans, Booked in Domestic Offices, Banks Ranked 1st to 100th Largest in Size by Assets
CORFLT100N
Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Secured by Real Estate, Single Family Residential Mortgages, Booked in Domestic Offices, All Commercial Banks
NCOALLSRE1FRMACB
Citation
U.S. Federal Reserve, Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Lease Financing Receivables, Banks Not Among the 100 Largest in Size by Assets [NCOALLLFROB], retrieved from FRED.
Last Checked: 8/1/2025