Treasury and Agency Securities: Mortgage-Backed Securities (MBS), Domestically Chartered Commercial Banks
TMBDCBM027NBOG • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2,632.35
Year-over-Year Change
3.40%
Date Range
7/1/2009 - 7/1/2025
Summary
This economic indicator tracks the value of mortgage-backed securities (MBS) held by domestically chartered commercial banks in the United States. It provides critical insight into the banking sector's exposure to residential mortgage markets and overall financial system stability.
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
The series represents the total book value of mortgage-backed securities on the balance sheets of U.S. commercial banks, reflecting their investment strategies and risk management approaches. Economists use this metric to assess banking sector liquidity, mortgage market dynamics, and potential systemic financial risks.
Methodology
Data is collected through regulatory reporting requirements from commercial banks, compiled and reported by the Federal Reserve's statistical divisions.
Historical Context
This indicator is crucial for monetary policy analysis, financial stability assessments, and understanding the interconnectedness of mortgage markets and banking sector investments.
Key Facts
- Represents total MBS holdings by U.S. commercial banks
- Indicates banking sector's mortgage market exposure
- Reflects potential financial system risk and liquidity
FAQs
Q: What are mortgage-backed securities?
A: Mortgage-backed securities are financial instruments created by pooling multiple mortgage loans and selling them as investable securities to investors and financial institutions.
Q: Why do banks invest in mortgage-backed securities?
A: Banks invest in MBS to generate steady income, diversify their investment portfolio, and manage their balance sheet risk and liquidity.
Q: How often is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a comprehensive view of commercial banks' MBS holdings.
Q: What impacts MBS holdings in commercial banks?
A: Interest rates, housing market conditions, regulatory requirements, and overall economic health significantly influence banks' MBS investment strategies.
Q: Are there risks associated with MBS investments?
A: MBS investments carry risks such as interest rate fluctuations, potential defaults, and changes in prepayment rates of underlying mortgages.
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Related Trends
Treasury and Agency Securities, Domestically Chartered Commercial Banks
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Treasury and Agency Securities: Non-MBS, Domestically Chartered Commercial Banks
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Other Securities: Non-MBS, Small Domestically Chartered Commercial Banks
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Other Securities, Foreign-Related Institutions
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Other Securities: Mortgage-Backed Securities, All Commercial Banks
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Treasury and Agency Securities: Non-MBS, All Commercial Banks
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Citation
U.S. Federal Reserve, Treasury and Agency Securities: Mortgage-Backed Securities (MBS), Domestically Chartered Commercial Banks [TMBDCBM027NBOG], retrieved from FRED.
Last Checked: 8/1/2025