Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Secured by Real Estate, Banks Ranked 1st to 100th Largest in Size by Assets
NCOALLSRET100B • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1,002.00
Year-over-Year Change
-1665.63%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks net charge-offs on real estate loans for the top 100 U.S. banks by asset size, providing insight into loan performance and credit risk. It serves as a critical metric for understanding banking sector health 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 deemed uncollectible, minus any recoveries, specifically for real estate-secured loans in the largest banks. Economists use this metric to assess credit quality, potential banking sector vulnerabilities, and broader economic conditions.
Methodology
Data is collected through regulatory reporting, where banks document loans written off after determining they are unlikely to be repaid, adjusted for any subsequent recoveries.
Historical Context
Policymakers and financial regulators use this trend to monitor banking system stability and potential systemic risks in the real estate lending market.
Key Facts
- Measures net charge-offs for top 100 U.S. banks by asset size
- Focuses specifically on real estate-secured loans
- Indicates potential credit risk and banking sector health
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 subtracting any potential recoveries.
Q: Why are real estate-secured loans important to track?
A: Real estate loans represent a significant portion of bank lending and can be an early indicator of broader economic stress or recovery.
Q: How often is this data updated?
A: The Federal Reserve typically updates this metric quarterly, providing a consistent view of banking sector loan performance.
Q: What can high net charge-offs indicate?
A: Elevated net charge-offs may signal economic challenges, such as rising unemployment, housing market stress, or broader economic downturn.
Q: How do regulators use this information?
A: Regulators use this data to assess bank health, potential systemic risks, and to inform potential policy interventions in the financial sector.
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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 Ranked 1st to 100th Largest in Size by Assets [NCOALLSRET100B], retrieved from FRED.
Last Checked: 8/1/2025