Net Percentage of Large Domestic Banks Increasing the Use of Interest Rate Floors for Small Firms
SUBLPDCISTFLGNQ • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
0.00
Year-over-Year Change
-100.00%
Date Range
4/1/2011 - 7/1/2025
Summary
Tracks changes in interest rate floor practices by large domestic banks for small firm lending. Provides insight into bank lending strategies and small business credit conditions.
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
This metric measures how banks adjust lending terms for small businesses through interest rate floors. It reflects banks' risk management and credit market dynamics.
Methodology
Surveyed banks report changes in their lending practices for small commercial borrowers.
Historical Context
Used by policymakers to understand small business lending environment and credit accessibility.
Key Facts
- Indicates bank lending risk management strategies
- Reflects small business credit market conditions
- Important indicator of lending environment
FAQs
Q: What do interest rate floors mean for small businesses?
A: Interest rate floors set minimum lending rates, protecting banks from low-interest risks. They can impact borrowing costs for small firms.
Q: How often is this data updated?
A: Typically updated quarterly as part of Federal Reserve bank lending surveys.
Q: Why do banks use interest rate floors?
A: Banks use floors to manage financial risk and ensure minimum returns on small business loans.
Q: How do interest rate floors affect loan accessibility?
A: Higher floors can make loans more expensive, potentially limiting credit access for small businesses.
Q: What economic factors influence these floors?
A: Interest rates, economic conditions, and bank risk assessments impact lending floor decisions.
Related Trends
Number of Other Domestic Banks That Eased and Reported That Reduced Concerns About the Effects of Legislative Changes, Supervisory Actions, or Changes in Accounting Standards Was a Somewhat Important Reason
SUBLPDCIREESOTHNQ
Number of Large Domestic Banks That Tightened and Reported That Less Favorable Economic Outlook Was a Very Important Reason
SUBLPDCIRTOVLGNQ
Number of Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Increased Customer Internally Generated Funds Was a Somewhat Important Reason
SUBLPDCIRWGSNQ
Number of Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Shifts in Customer Borrowing From Other Bank or Nonbank Sources Was Not an Important Reason
SUBLPDCIRSSNNQ
Number of Foreign Banks That Tightened and Reported That Reduced Tolerance for Risk Was Not an Important Reason
SUBLPFCIRTRNNQ
Number of Other Domestic Banks That Eased and Reported That Reduced Concerns About the Effects of Legislative Changes, Supervisory Actions, or Changes in Accounting Standards Was Not an Important Reason
SUBLPDCIREENOTHNQ
Citation
U.S. Federal Reserve, Net Percentage of Large Domestic Banks Increasing the Use of Interest Rate Floors for Small Firms (SUBLPDCISTFLGNQ), retrieved from FRED.