Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Secured by Real Estate, Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, Banks Not Among the 100 Largest in Size by Assets
NCOALLSCRELEXFOB • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
194.00
Year-over-Year Change
1663.64%
Date Range
1/1/1991 - 1/1/2025
Summary
This economic indicator tracks net charge-offs for commercial real estate loans among smaller banks, reflecting the credit quality and potential financial stress in the real estate lending sector. It provides insights into loan performance and potential risks for financial institutions outside the top 100 largest banks by asset size.
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, serving as a key metric of credit risk and loan portfolio health. Economists and financial analysts use this data to assess the financial stability of smaller banking institutions and potential emerging risks in the commercial real estate market.
Methodology
The data is collected through regulatory reporting requirements, where banks calculate net charge-offs by subtracting recoveries from total loan charge-offs for commercial real estate loans.
Historical Context
This metric is crucial for policymakers, regulators, and investors in assessing the overall health of the banking sector and potential economic vulnerabilities.
Key Facts
- Measures net charge-offs for commercial real estate loans in smaller banks
- Indicates potential credit risk and loan performance
- Provides insights into financial stability of regional banking sector
FAQs
Q: What do net charge-offs indicate about bank performance?
A: Net charge-offs reflect loans that banks have written off as uncollectible, serving as a key indicator of credit risk and potential financial stress in the lending portfolio.
Q: Why are commercial real estate loans important to track?
A: Commercial real estate loans are a significant component of bank lending and can be sensitive to economic conditions, making them a crucial indicator of broader economic health.
Q: How are net charge-offs calculated?
A: Net charge-offs are calculated by subtracting loan recoveries from total loan charge-offs, representing the net loss experienced by the bank.
Q: What makes this data specific to smaller banks?
A: This metric focuses on banks not among the 100 largest by asset size, providing insights into the financial performance of regional and community banks.
Q: How frequently is this data updated?
A: Typically, this data is reported quarterly by banks to regulatory authorities and updated accordingly in economic databases.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Secured by Real Estate, Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, Banks Not Among the 100 Largest in Size by Assets [NCOALLSCRELEXFOB], retrieved from FRED.
Last Checked: 8/1/2025