Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Secured by Real Estate, Single Family Residential Mortgages, Booked in Domestic Offices, Banks Not Among the 100 Largest in Size by Assets
NCOALLSRE1FRMOB • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
10.00
Year-over-Year Change
-162.50%
Date Range
1/1/1991 - 1/1/2025
Summary
This economic indicator tracks net charge-offs for single-family residential mortgages among smaller U.S. banks, providing insight into loan performance and credit risk. It helps economists and financial analysts understand the health of the residential real estate lending market for mid-sized and smaller 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, which serves as a key metric for assessing credit quality and potential financial stress. This specific series focuses on residential mortgages for banks outside the top 100 by asset size, offering a nuanced view of lending performance in the smaller banking sector.
Methodology
Data is collected through regulatory reporting requirements, where banks document and report their loan charge-offs and recoveries to federal banking regulators.
Historical Context
Policymakers and financial regulators use this data to monitor potential systemic risks and assess the overall stability of the residential mortgage lending market.
Key Facts
- Measures net charge-offs for residential mortgages in smaller U.S. banks
- Provides insight into credit quality and potential financial stress
- Excludes the top 100 banks by asset size
FAQs
Q: What does a net charge-off represent?
A: A net charge-off is the amount of loan value a bank has determined is unlikely to be collected, after accounting for any potential recoveries.
Q: Why are net charge-offs important for understanding bank performance?
A: Net charge-offs indicate the quality of a bank's loan portfolio and potential credit risk, serving as a key indicator of financial health.
Q: How often is this data updated?
A: Typically, this data is reported quarterly by banks to federal regulators and updated accordingly in economic databases.
Q: What does this specific series exclude?
A: This series excludes the top 100 banks by asset size, focusing instead on smaller banking institutions.
Q: How can investors use this information?
A: Investors can use this data to assess credit risk and potential financial stability in the residential mortgage lending market for smaller banks.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Secured by Real Estate, Single Family Residential Mortgages, Booked in Domestic Offices, Banks Not Among the 100 Largest in Size by Assets [NCOALLSRE1FRMOB], retrieved from FRED.
Last Checked: 8/1/2025