Reserves of Depository Institutions: Nonborrowed
NONBORRES • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
3,349.50
Year-over-Year Change
2.65%
Date Range
1/1/1959 - 6/1/2025
Summary
Nonborrowed reserves represent the total reserves held by depository institutions that are not obtained through borrowing from the Federal Reserve. This metric is crucial for understanding bank liquidity and the underlying monetary conditions in the U.S. 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
Nonborrowed reserves reflect the intrinsic financial strength of banking institutions and their ability to meet regulatory requirements without external lending. Economists analyze these reserves as an indicator of banking system stability and potential monetary policy effectiveness.
Methodology
The Federal Reserve calculates nonborrowed reserves by subtracting borrowed reserves from total reserves held by depository institutions.
Historical Context
Policymakers and central bankers use nonborrowed reserves as a key indicator for assessing banking system health and potential monetary interventions.
Key Facts
- Nonborrowed reserves represent a bank's intrinsic financial capacity
- Higher nonborrowed reserves typically indicate stronger banking system health
- These reserves are a critical component of bank regulatory compliance
FAQs
Q: What do nonborrowed reserves indicate about bank health?
A: Nonborrowed reserves suggest a bank's ability to maintain liquidity without external borrowing, reflecting financial strength and stability.
Q: How do nonborrowed reserves differ from total reserves?
A: Nonborrowed reserves exclude reserves obtained through borrowing from the Federal Reserve, representing the bank's organic financial capacity.
Q: Why do economists track nonborrowed reserves?
A: Tracking nonborrowed reserves helps assess banking system resilience, potential monetary policy impacts, and overall financial system health.
Q: How frequently are nonborrowed reserves updated?
A: The Federal Reserve typically updates nonborrowed reserve data weekly, providing current insights into banking system conditions.
Q: What factors can influence nonborrowed reserves?
A: Economic conditions, regulatory changes, bank profitability, and monetary policy can significantly impact nonborrowed reserves.
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Citation
U.S. Federal Reserve, Reserves of Depository Institutions: Nonborrowed [NONBORRES], retrieved from FRED.
Last Checked: 8/1/2025