What does the US bank loans and overdue debt dataset measure?

This dataset measures the total volume of loans and leases in the United States commercial banking system, alongside delinquent balances and delinquency rates. It covers various loan categories, including real estate, consumer loans, credit cards, and commercial and industrial loans.

How is a delinquent loan defined in this United States banking table?

Delinquent loans represent those that are past due or placed on nonaccrual status. The table tracks both the total dollar amount of these overdue loans and their percentage share relative to total bank credit.

What is the difference between delinquency and charge-off rates?

In United States banking statistics, the delinquency rate shows the percentage of loans that are overdue. The charge-off rate represents the percentage of loans that banks have written off as uncollectible, net of any recoveries.

How far back does this US bank loan data go?

The dataset provides quarterly statistics starting in 1985. It is updated regularly with the latest official releases from the Federal Reserve.

US Bank Loans and Overdue Debt

Name: US Bank Loans and Overdue Debt
Creator: FRED (Federal Reserve Bank of St. Louis)
License: https://creativecommons.org/licenses/by/4.0/

US bank loans and overdue debt by category from the Federal Reserve, starting in 1985.

Indicator	Q2-2026	Q1-2026	Q4-2025	Q3-2025	Q2-2025	Q1-2025	Q4-2024	Q3-2024	Q2-2024	Q1-2024	Q4-2023	Q3-2023	Q2-2023
LOANS AND LEASES IN BANK CREDIT6
Total loans and leases	13,181,820	12,957,186	12,738,343	12,478,285	12,327,232	12,073,643	12,011,125	11,913,236	11,842,218	11,735,823	11,765,519	11,664,359	11,600,840
Real estate loans3	5,723,139	5,682,432	5,668,031	5,622,763	5,594,614	5,554,333	5,547,444	5,545,347	5,525,650	5,506,857	5,486,496	5,447,597	5,394,458
Residential real estate	2,688,893	2,669,079	2,674,649	2,660,321	2,645,971	2,619,771	2,620,521	2,609,464	2,598,536	2,579,170	2,578,097	2,561,870	2,529,455
Commercial real estate	2,866,339	2,847,388	2,825,218	2,797,154	2,784,456	2,772,930	2,764,337	2,771,827	2,766,260	2,766,808	2,746,744	2,725,653	2,698,689
Loans - Farmland real estate	122,270	120,325	119,803	118,155	116,989	116,277	116,523	115,869	115,454	114,620	114,581	113,725	112,673
Consumer loans2	1,927,043	1,885,465	1,920,118	1,863,473	1,840,776	1,814,502	1,872,869	1,950,397	1,936,252	1,913,341	1,960,900	1,926,979	1,907,119
Credit cards	1,077,409	1,051,315	1,090,734	1,041,801	1,032,733	1,009,031	1,054,374	1,006,495	995,738	973,021	1,005,323	948,114	925,428
Other consumer loans	849,634	834,150	829,383	821,672	808,042	805,472	818,495	943,902	940,514	940,320	955,576	978,864	981,692
Lease financing	115,566	115,157	117,600	116,594	115,689	115,739	115,572	114,309	114,115	113,241	113,370	111,096	107,431
Commercial and industrial loans	2,489,174	2,444,660	2,348,760	2,326,623	2,342,494	2,343,910	2,325,795	2,455,013	2,448,386	2,437,669	2,427,804	2,430,462	2,462,720
Loans - Agriculture loans	84,002	81,673	87,608	83,646	81,707	79,921	83,027	80,308	79,285	76,073	78,941	74,756	71,353
DELINQUENT LOANS6
Total loans and leases	181,547	189,477	190,804	183,804	180,988	188,566	190,647	178,949	170,490	168,834	167,511	154,191	141,097
Real estate loans3	94,150	98,716	96,709	91,782	91,515	94,663	92,529	87,703	84,451	81,166	79,052	73,457	66,748
Residential real estate	48,810	50,066	49,915	46,160	46,008	47,021	47,558	44,480	43,763	44,595	46,002	43,671	42,412
Commercial real estate	42,971	45,844	44,394	43,225	42,997	44,970	42,832	41,264	38,704	34,602	31,584	28,219	22,701
Overdue loans - Farmland real estate	1,644	1,836	1,425	1,472	1,572	1,762	1,278	1,227	1,240	1,294	1,044	1,070	1,033
Consumer loans2	48,278	49,202	53,414	50,543	48,341	49,650	54,908	53,083	50,236	50,548	54,411	48,521	42,920
Credit cards	29,013	31,054	33,040	31,480	29,647	31,247	33,486	32,544	30,230	31,398	32,199	28,167	23,847
Other consumer loans	19,265	18,149	20,374	19,063	18,694	18,403	21,422	20,540	20,007	19,150	22,212	20,354	19,073
Lease financing	1,273	1,398	1,524	1,295	1,176	1,367	1,359	1,217	1,242	1,278	1,231	1,117	949
Commercial and industrial loans	30,972	33,178	32,120	30,295	29,548	30,682	30,226	28,351	27,587	27,482	25,264	23,385	24,385
Overdue debt - Agriculture loans	921	1,122	895	836	951	1,155	859	933	738	949	562	528	570
DELINQUENCY RATE (not seasonally adjusted)7
Total loans and leases	1.38	1.46	1.5	1.47	1.47	1.56	1.59	1.5	1.44	1.44	1.42	1.32	1.22
Real estate loans3	1.65	1.74	1.71	1.63	1.64	1.7	1.67	1.58	1.53	1.47	1.44	1.35	1.24
Residential real estate	1.82	1.88	1.87	1.74	1.74	1.79	1.81	1.7	1.68	1.73	1.78	1.7	1.68
Commercial real estate	1.5	1.61	1.57	1.55	1.54	1.62	1.55	1.49	1.4	1.25	1.15	1.04	0.84
Delinquency rate - Farmland real estate	1.34	1.53	1.19	1.25	1.34	1.52	1.1	1.06	1.07	1.13	0.91	0.94	0.92
Consumer loans2	2.51	2.61	2.78	2.71	2.63	2.74	2.93	2.72	2.59	2.64	2.77	2.52	2.25
Credit cards	2.69	2.95	3.03	3.02	2.87	3.1	3.18	3.23	3.04	3.23	3.2	2.97	2.58
Other consumer loans	2.27	2.18	2.46	2.32	2.31	2.28	2.62	2.18	2.13	2.04	2.32	2.08	1.94
Lease financing	1.1	1.21	1.3	1.11	1.02	1.18	1.18	1.06	1.09	1.13	1.09	1.01	0.88
Commercial and industrial loans	1.24	1.36	1.37	1.3	1.26	1.31	1.3	1.15	1.13	1.13	1.04	0.96	0.99
Overdue ratio - Agriculture loans	1.1	1.37	1.02	1	1.16	1.45	1.03	1.16	0.93	1.25	0.71	0.71	0.8
Charge-off rate - Total loans and leases	0.55	0.57	0.61	0.59	0.6	0.64	0.68	0.64	0.65	0.63	0.63	0.49	0.46
DELINQUENCY AND CHARGE-OFF RATES (seasonally adjusted)5
Delinquency rate - Business loans	1.27	1.33	1.34	1.33	1.28	1.29	1.27	1.18	1.14	1.12	1.02	0.98	1
Delinquency rate - Consumer loans1	2.62	2.64	2.63	2.72	2.75	2.77	2.76	2.73	2.72	2.67	2.61	2.52	2.37
Delinquency rate - Credit cards	2.85	2.91	2.95	2.98	3.04	3.06	3.08	3.2	3.22	3.17	3.1	2.94	2.75
Delinquency rate - Residential mortgages	1.86	1.88	1.79	1.78	1.78	1.77	1.78	1.74	1.73	1.71	1.7	1.72	1.72
Delinquency rate - Commercial real estate	1.53	1.56	1.58	1.57	1.57	1.57	1.56	1.51	1.42	1.21	1.16	1.06	0.85
Charge-off rate - Consumer loans1	2.66	2.65	2.8	2.89	2.88	3	2.97	3	2.93	2.8	2.63	2.39	2.08
Charge-off rate - Credit cards	3.82	3.82	4.09	4.15	4.21	4.46	4.56	4.64	4.59	4.43	4.17	3.7	3.26

Latest reading

Total loans and leases stood at 13,181,820 USD million in Q2 2026. That is +1.7% from Q1 2026 and +6.9% from a year earlier. The series on this page is quarterly and runs from Q1 1985 to Q2 2026. Source: FRED (Federal Reserve Bank of St. Louis).

Latest: 13,181,820 USD million; Q2 2026
vs previous period: +1.7%; Q1 2026
vs a year earlier: +6.9%

About this data

US bank loans and overdue debt by category from the Federal Reserve, starting in 1985. This quarterly dataset covers total loans and leases, real estate, consumer credit cards, and commercial loans. It provides both total outstanding balances in USD million and delinquency or charge-off rates in percentages. The series include both seasonally adjusted and unadjusted figures to track credit quality in the banking system.

Frequently asked questions

What does the US bank loans and overdue debt dataset measure?: This dataset measures the total volume of loans and leases in the United States commercial banking system, alongside delinquent balances and delinquency rates. It covers various loan categories, including real estate, consumer loans, credit cards, and commercial and industrial loans.
How is a delinquent loan defined in this United States banking table?: Delinquent loans represent those that are past due or placed on nonaccrual status. The table tracks both the total dollar amount of these overdue loans and their percentage share relative to total bank credit.
What is the difference between delinquency and charge-off rates?: In United States banking statistics, the delinquency rate shows the percentage of loans that are overdue. The charge-off rate represents the percentage of loans that banks have written off as uncollectible, net of any recoveries.
How far back does this US bank loan data go?: The dataset provides quarterly statistics starting in 1985. It is updated regularly with the latest official releases from the Federal Reserve.