Net Percentage of Large Domestic Banks Increasing Spreads of Loan Rates Over Banks' Cost of Funds to Small Firms
SUBLPDCISTSLGNQ • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
-5.00
Year-over-Year Change
-131.06%
Date Range
4/1/1990 - 7/1/2025
Summary
Tracks changes in lending spreads for small firms by large domestic banks. Indicates banking sector's pricing strategy and credit market 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
Measures the net percentage of banks adjusting loan rate spreads relative to their funding costs. Provides insight into small business lending dynamics.
Methodology
Surveyed banks report changes in lending spread practices quarterly.
Historical Context
Critical indicator for small business credit accessibility and banking sector health.
Key Facts
- Reflects bank lending risk assessment
- Quarterly survey-based metric
- Indicates small firm credit conditions
FAQs
Q: What does this metric reveal about bank lending?
A: Shows how banks adjust loan pricing for small firms based on perceived risk and funding costs.
Q: How often is this data updated?
A: Quarterly survey provides current lending spread information.
Q: Why do banks change loan spreads?
A: To manage risk, cover funding costs, and maintain profitability in changing economic conditions.
Q: How does this impact small businesses?
A: Changes in loan spreads can affect borrowing costs and credit availability for small firms.
Q: What economic factors influence this metric?
A: Interest rates, economic outlook, and bank risk assessment significantly impact loan spreads.
Related Trends
Net Percentage of Large Domestic Banks Tightening Policies on Consumer Loans Excluding Credit Card and Auto Loans to Customers That Do Not Meet Credit Scoring Thresholds
SUBLPDCLXTELGNQ
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 Domestic Banks That Eased and Reported That Reduction in Defaults by Borrowers in Public Debt Markets Was a Very Important Reason
SUBLPDCIREDVNQ
Number of Foreign Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Increased Customer Internally Generated Funds Was Not an Important Reason
SUBLPFCIRWGNNQ
Number of Foreign Banks That Tightened and Reported That Increase in Defaults by Borrowers in Public Debt Markets Was Not an Important Reason
SUBLPFCIRTDNNQ
Net Percentage of Foreign Banks Tightening Standards for Approving Commercial and Industrial Loans
SUBLPFCISNQ
Citation
U.S. Federal Reserve, Net Percentage of Large Domestic Banks Increasing Spreads of Loan Rates Over Banks' Cost of Funds to Small Firms (SUBLPDCISTSLGNQ), retrieved from FRED.