Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Secured by Real Estate, Farmland, Booked in Domestic Offices, Banks Not Among the 100 Largest in Size by Assets
NCOALLSFREOB • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
-1.00
Year-over-Year Change
-120.00%
Date Range
1/1/1991 - 1/1/2025
Summary
This economic indicator tracks net charge-offs on real estate and farmland loans for smaller banks, providing insight into loan performance and credit risk. It serves as a critical metric for understanding the 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 represent the value of loans that banks have determined are unlikely to be collected, effectively measuring credit losses in their real estate and agricultural lending portfolios. Economists and financial analysts use this data to assess the credit quality and risk management practices of smaller banking institutions.
Methodology
Data is collected through regulatory reporting requirements, where banks document loan defaults and write-offs for loans secured by real estate and farmland in domestic offices.
Historical Context
This metric is used by regulators, investors, and policymakers to evaluate the overall stability of the banking sector, particularly for smaller financial institutions.
Key Facts
- Focuses on banks outside the top 100 largest by asset size
- Measures net charge-offs for real estate and farmland loans
- Provides insight into credit risk and loan performance
FAQs
Q: What does a net charge-off indicate?
A: A net charge-off represents a loan that a bank has determined is unlikely to be collected, indicating potential credit quality issues or economic stress.
Q: Why are net charge-offs important for smaller banks?
A: Net charge-offs help assess the financial health and risk management of smaller banks that may be more vulnerable to economic fluctuations.
Q: How is the NCOALLSFREOB data collected?
A: The data is collected through mandatory regulatory reporting, where banks document their loan defaults and write-offs for specific loan categories.
Q: What can high net charge-offs suggest about the economy?
A: Elevated net charge-offs can indicate economic challenges, such as declining property values, agricultural difficulties, or broader economic downturns.
Q: How frequently is this data updated?
A: Typically, this data is updated quarterly, providing a regular snapshot of loan performance for smaller banking institutions.
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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, Banks Not Among the 100 Largest in Size by Assets [NCOALLSFREOB], retrieved from FRED.
Last Checked: 8/1/2025