Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Secured by Real Estate, Farmland, Booked in Domestic Offices, All Commercial Banks
NCOALLSFREACB • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2.00
Year-over-Year Change
-80.00%
Date Range
1/1/1991 - 1/1/2025
Summary
This economic indicator tracks net charge-offs on real estate and farmland loans across all U.S. commercial banks, providing insight into loan performance and credit quality. It serves as a critical metric for understanding banking sector health 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 risk and loan portfolio quality. Economists and financial analysts use this data to assess banking sector resilience and potential economic vulnerabilities.
Methodology
Data is collected through regulatory reporting requirements, where commercial banks document loan defaults and write-offs according to standardized accounting practices.
Historical Context
This trend is crucial for monetary policy makers, bank regulators, and investors in assessing overall financial system stability and potential economic risks.
Key Facts
- Measures net loan charge-offs in real estate and farmland sectors
- Indicates potential credit quality issues in commercial banking
- Provides early warning signals for economic stress
FAQs
Q: What do net charge-offs indicate about bank health?
A: Net charge-offs reflect loans that banks have written off as uncollectible, signaling potential credit quality problems and economic stress.
Q: How often is this data updated?
A: Typically, this data is reported quarterly by commercial banks and updated by the Federal Reserve accordingly.
Q: Why are real estate and farmland loans significant?
A: These sectors represent substantial portions of bank lending portfolios and can be sensitive indicators of broader economic conditions.
Q: How do policymakers use this information?
A: Regulators and central bankers use net charge-off data to assess banking sector stability and potentially adjust monetary policy.
Q: What are the limitations of this metric?
A: While informative, net charge-offs represent historical data and may not perfectly predict future economic conditions.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Secured by Real Estate, Farmland, Booked in Domestic Offices, All Commercial Banks [NCOALLSFREACB], retrieved from FRED.
Last Checked: 8/1/2025