Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Secured by Real Estate, Banks Not Among the 100 Largest in Size by Assets
NCOALLSREOB • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
203.00
Year-over-Year Change
20200.00%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks net charge-offs on real estate loans for smaller banks, providing insight into loan performance and credit risk. It helps economists and financial analysts understand the health of regional banking sectors 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 losses in the real estate lending segment. The metric focuses specifically on banks not among the top 100 by asset size, offering a view of smaller financial institutions' lending performance.
Methodology
Data is collected through regulatory reporting, where banks document loan defaults and write-offs as a percentage of total real estate loan portfolios.
Historical Context
Policymakers and financial regulators use this trend to assess banking sector stability, credit risk, and potential systemic economic vulnerabilities.
Key Facts
- Measures loan defaults for smaller regional banks
- Indicates potential credit market stress
- Helps predict economic health in real estate lending
FAQs
Q: What does a high net charge-off rate indicate?
A: A high net charge-off rate suggests increased loan defaults and potential financial stress in the banking sector, which could signal broader economic challenges.
Q: Why focus on banks not in the top 100 by assets?
A: Smaller banks often have different lending practices and regional economic exposures, making their performance a unique indicator of localized economic conditions.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a consistent snapshot of banking sector loan performance.
Q: How do net charge-offs impact economic policy?
A: High net charge-off rates might prompt regulators to implement stricter lending standards or adjust monetary policy to mitigate financial risks.
Q: What limitations exist in this data?
A: The metric only covers smaller banks and represents a snapshot in time, so it should be analyzed alongside other economic indicators for comprehensive insights.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Secured by Real Estate, Banks Not Among the 100 Largest in Size by Assets [NCOALLSREOB], retrieved from FRED.
Last Checked: 8/1/2025