Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Secured by Real Estate, Single Family Residential Mortgages, Booked in Domestic Offices, Banks Ranked 1st to 100th Largest in Size by Assets
NCOALLSRE1FRMT100B • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
-37.00
Year-over-Year Change
-65.42%
Date Range
1/1/1991 - 1/1/2025
Summary
This economic indicator tracks net charge-offs on single-family residential mortgages for the top 100 U.S. banks by asset size, providing insight into loan performance and credit quality. It serves as a critical metric for understanding banking sector health and potential economic stress in the real estate market.
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 the credit risk and loan quality in the residential mortgage sector. Economists and financial analysts use this data to assess banking system stability and potential economic vulnerabilities.
Methodology
Data is collected through regulatory reporting, where banks document loans written off as uncollectible, net of recoveries, for single-family residential mortgages.
Historical Context
Policymakers and financial regulators use this trend to monitor banking sector risk, inform monetary policy, and assess potential systemic economic challenges.
Key Facts
- Measures net charge-offs for top 100 U.S. banks' single-family residential mortgages
- Indicates potential credit risk and economic stress in the housing market
- Provides insight into banking sector loan performance and financial health
FAQs
Q: What do net charge-offs indicate about the housing market?
A: Net charge-offs reflect the value of mortgage loans deemed uncollectible, which can signal economic stress, housing market challenges, or increased borrower financial difficulties.
Q: How do net charge-offs impact banking sector performance?
A: Higher net charge-offs suggest increased credit risk, potentially leading to reduced profitability, stricter lending standards, and potential regulatory scrutiny.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a consistent snapshot of mortgage loan performance for the largest U.S. banks.
Q: What can cause an increase in mortgage net charge-offs?
A: Economic downturns, high unemployment, housing market corrections, and individual borrower financial challenges can contribute to increased mortgage net charge-offs.
Q: Are there limitations to this economic indicator?
A: The data only covers the top 100 banks and focuses on single-family residential mortgages, which may not fully represent the entire mortgage lending landscape.
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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 Ranked 1st to 100th Largest in Size by Assets [NCOALLSRE1FRMT100B], retrieved from FRED.
Last Checked: 8/1/2025