Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Lease Financing Receivables, Banks Ranked 1st to 100th Largest in Size by Assets
NCOALLLFRT100B • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
52.00
Year-over-Year Change
-21.21%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks net charge-offs for loans and leases among the top 100 U.S. banks by asset size, providing critical insight into banking sector credit quality. It serves as a key metric for assessing financial institution risk and potential economic stress.
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 in the banking system. Economists and financial analysts use this metric to evaluate banking sector health, credit risk, and potential economic downturns.
Methodology
Data is collected through regulatory reporting requirements, where banks document loan defaults and write-offs according to standardized accounting practices.
Historical Context
Policymakers and financial regulators use this trend to monitor banking system stability and assess potential systemic risks in lending markets.
Key Facts
- Measures loan write-offs for top 100 U.S. banks by asset size
- Indicates potential credit quality issues in banking sector
- Serves as an early warning indicator for economic stress
FAQs
Q: What does a high net charge-off rate indicate?
A: A high net charge-off rate suggests increased credit risk and potential economic challenges, potentially signaling economic downturn or sector-specific lending problems.
Q: How often is this data updated?
A: Typically, this data is updated quarterly by the Federal Reserve, providing a regular snapshot of banking sector credit quality.
Q: Why are only the top 100 banks included?
A: These banks represent the majority of total banking assets in the United States, providing a comprehensive view of the banking system's credit performance.
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 and increased capital reserves.
Q: What limitations exist in this data?
A: The metric focuses on large banks and may not fully capture credit dynamics in smaller regional or community banking institutions.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Lease Financing Receivables, Banks Ranked 1st to 100th Largest in Size by Assets [NCOALLLFRT100B], retrieved from FRED.
Last Checked: 8/1/2025