Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Banks Not Among the 100 Largest in Size by Assets
NCOALLOB • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1,690.00
Year-over-Year Change
232.02%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks net charge-offs for smaller banks, representing the value of loans deemed uncollectible after accounting for recoveries. It provides critical insight into the credit quality and financial health of regional and community 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 reflect the actual credit losses experienced by banks not among the top 100 by asset size, serving as a key metric for assessing lending risk and overall banking sector performance. Economists use this data to evaluate credit market conditions and potential economic stress in smaller financial institutions.
Methodology
The Federal Reserve calculates this metric by aggregating the total value of loans written off as uncollectible, minus any subsequent recoveries, for banks outside the top 100 by total assets.
Historical Context
Policymakers and financial regulators use this trend to monitor banking sector stability and potential systemic risks in regional lending markets.
Key Facts
- Measures credit losses for smaller banks not in the top 100 by asset size
- Indicates potential credit market stress and lending risk
- Important indicator of regional banking sector 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 financial stress in the banking sector, potentially signaling broader economic challenges.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a consistent snapshot of smaller banks' credit performance.
Q: Why focus on banks not in the top 100 by assets?
A: These smaller banks represent a significant portion of local and regional lending, offering insights into credit markets beyond large national institutions.
Q: How do net charge-offs impact economic policy?
A: High net charge-off rates may prompt regulators to implement stricter lending standards or consider monetary policy adjustments to support banking sector stability.
Q: What are the limitations of this metric?
A: While informative, net charge-offs represent historical data and may not perfectly predict future credit market conditions or emerging economic trends.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Banks Not Among the 100 Largest in Size by Assets [NCOALLOB], retrieved from FRED.
Last Checked: 8/1/2025