Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Banks Ranked 1st to 100th Largest in Size by Assets
NCOALLT100B • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
17,558.00
Year-over-Year Change
241.33%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks net charge-offs for the 100 largest U.S. banks, representing the value of loans deemed uncollectible after accounting for recoveries. It serves as a critical metric for assessing bank asset quality and potential credit risk in the financial system.
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 reflect the total value of loans that banks have written off as unlikely to be collected, minus any recoveries. Economists and financial analysts use this metric to gauge the health of bank lending portfolios and potential economic stress.
Methodology
Data is collected through regulatory reporting, where banks calculate net charge-offs by subtracting recovered loan amounts from total loans written off as unrecoverable.
Historical Context
This indicator is crucial for monetary policy makers, bank regulators, and investors in assessing the overall credit quality and financial stability of the banking sector.
Key Facts
- Represents net charge-offs for the 100 largest U.S. banks
- Indicates potential credit risk and bank lending health
- Used as a leading indicator of economic stress
FAQs
Q: What do net charge-offs indicate about bank performance?
A: Net charge-offs show the value of loans a bank has written off as uncollectible, reflecting potential credit quality issues and lending risks.
Q: How do net charge-offs impact bank profitability?
A: Higher net charge-offs can reduce bank profitability by representing lost revenue and indicating potential weaknesses in lending practices.
Q: How often is this data updated?
A: Typically, this data is reported quarterly by banks to regulatory authorities and updated on economic databases like FRED.
Q: Why do economists track net charge-offs?
A: Economists use net charge-offs as a key indicator of credit market health, potential economic stress, and banking sector performance.
Q: What are the limitations of this metric?
A: The metric only covers the 100 largest banks and may not fully represent smaller regional or community banking trends.
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Citation
U.S. Federal Reserve, Asset Quality Measures, Net Charge-Offs on All Loans and Leases, Banks Ranked 1st to 100th Largest in Size by Assets [NCOALLT100B], retrieved from FRED.
Last Checked: 8/1/2025