Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Secured by Real Estate, All Commercial Banks
NCOALLSREACB • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1,204.00
Year-over-Year Change
-1981.25%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks the net charge-offs on real estate loans across all commercial banks in the United States, reflecting the quality of lending and potential credit risks. It provides critical insights into the financial health of banks and the broader real estate lending 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 total value of loans deemed uncollectible, minus any recoveries, specifically for real estate-secured loans in the banking sector. Economists use this metric to assess credit quality, potential banking sector stress, and underlying economic conditions.
Methodology
Data is collected through regulatory reporting requirements, where commercial banks report their loan charge-offs and recoveries to federal banking regulators.
Historical Context
This trend is closely monitored by policymakers, investors, and financial analysts to understand credit risk, banking sector stability, and potential economic downturns.
Key Facts
- Measures the value of real estate loans written off as uncollectible by commercial banks
- Indicates potential credit risk and banking sector health
- Fluctuates with economic conditions and real estate market performance
FAQs
Q: What do net charge-offs indicate about the economy?
A: Higher net charge-offs can signal economic stress, potential recession, or deteriorating credit conditions in the real estate market.
Q: How do net charge-offs impact banking performance?
A: Increased net charge-offs reduce bank profitability and may indicate higher lending risks, potentially leading to more conservative lending practices.
Q: How is this metric calculated?
A: Net charge-offs are calculated by subtracting loan recoveries from the total value of loans written off as uncollectible during a specific period.
Q: Why are real estate-secured loans important in this metric?
A: Real estate loans represent a significant portion of bank lending and are crucial indicators of broader economic and housing market conditions.
Q: How frequently is this data updated?
A: The data is typically updated quarterly by the Federal Reserve, providing a consistent view of banking sector credit quality.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Secured by Real Estate, All Commercial Banks [NCOALLSREACB], retrieved from FRED.
Last Checked: 8/1/2025