What does the US commercial bank balance sheet measure?

It measures the consolidated assets, liabilities, bank credit, securities, and loans of all commercial banks operating in the United States.

How frequently is the commercial bank balance sheet published?

The data is published daily by FRED using the Federal Reserve's H.8 release, with continuous series extending since 1973.

What loan and asset categories are available?

The table details total bank credit, Treasury and agency securities, mortgage-backed securities, commercial and industrial loans, real estate loans, and consumer credit.

How does this differ from other monetary indicators?

Unlike money supply measures focusing on currency and deposits, the commercial bank balance sheet tracks how banks allocate credit across loans and securities.

US Commercial Bank Balance Sheet

Name: US Commercial Bank Balance Sheet
Creator: FRED (Federal Reserve Bank of St. Louis)
License: https://creativecommons.org/licenses/by/4.0/

US commercial bank balance sheet assets, liabilities, and bank credit from the Federal Reserve.

Source: FRED (Federal Reserve Bank of St. Louis)Last updated: Sep 26, 2026, 05:45Curated by Bui Thanh PhucAbout this data ↓

Indicator	16-09-2026	09-09-2026	02-09-2026	26-08-2026	19-08-2026	12-08-2026	05-08-2026	29-07-2026	22-07-2026	15-07-2026	08-07-2026	01-07-2026	24-06-2026	17-06-2026	10-06-2026	03-06-2026	27-05-2026	20-05-2026	13-05-2026	06-05-2026	29-04-2026	22-04-2026	15-04-2026	08-04-2026	01-04-2026	25-03-2026	18-03-2026	11-03-2026	04-03-2026	25-02-2026	18-02-2026
Assets5
Total bank credit3	19,876.33	19,866.82	19,835.9	19,831.39	19,828.26	19,793.79	19,782.87	19,767.24	19,738.44	19,763.79	19,670.43	19,644.54	19,675.49	19,651.65	19,637.41	19,579.6	19,587.5	19,566.39	19,530.74	19,494.99	19,462.5	19,456.85	19,466.18	19,449.46	19,422.82	19,382.16	19,355.07	19,343.61	19,309.77	19,269.64	19,265.8
Securities in bank credit2	5,797.31	5,804.42	5,807.15	5,796.04	5,811.41	5,812.88	5,829.71	5,842.4	5,835.83	5,855.75	5,804.59	5,782.27	5,800.52	5,788.94	5,780.65	5,765.42	5,768.59	5,758.23	5,750.98	5,739.85	5,720.55	5,726.36	5,745.91	5,741.35	5,732.46	5,746.39	5,748.8	5,747.99	5,734.41	5,722.05	5,726.87
Treasury and agency securities2	4,792.27	4,801.33	4,800.52	4,794.64	4,810.21	4,809.27	4,827.14	4,838.17	4,826.24	4,836.88	4,782.08	4,756.31	4,772.4	4,766.15	4,763.56	4,745.47	4,748.7	4,739.19	4,738.25	4,733.09	4,720.7	4,728.26	4,750.93	4,744.55	4,740.34	4,752.09	4,749.17	4,748.83	4,731.22	4,720.37	4,725.01
Mortgage-backed securities (MBS)	2,733.21	2,725.8	2,726.8	2,736.16	2,732.49	2,744.88	2,752.14	2,755.45	2,758.09	2,767.34	2,738.45	2,735.37	2,741.82	2,737.93	2,740.21	2,732.11	2,738.95	2,735.55	2,734.68	2,728.64	2,716.88	2,724.67	2,734.13	2,726.15	2,724.89	2,728.07	2,728.61	2,728.94	2,717.05	2,713.38	2,716.77
Non-MBS	2,059.06	2,075.52	2,073.72	2,058.47	2,077.72	2,064.39	2,075	2,082.72	2,068.15	2,069.55	2,043.63	2,020.94	2,030.58	2,028.22	2,023.36	2,013.36	2,009.74	2,003.64	2,003.57	2,004.45	2,003.82	2,003.59	2,016.8	2,018.4	2,015.45	2,024.02	2,020.56	2,019.89	2,014.17	2,006.99	2,008.24
Other securities2	1,005.05	1,003.09	1,006.63	1,001.4	1,001.2	1,003.61	1,002.57	1,004.23	1,009.59	1,018.87	1,022.51	1,025.97	1,028.12	1,022.79	1,017.09	1,019.94	1,019.9	1,019.04	1,012.72	1,006.76	999.85	998.09	994.97	996.8	992.12	994.3	999.64	999.16	1,003.2	1,001.68	1,001.86
Mortgage-backed securities (MBS)	83.79	84.17	84.33	83.74	84.46	85.07	85.22	85.93	85.56	85.69	85.78	86.13	86.09	86.09	85.66	85.77	86.16	86.28	86.6	86.74	86.7	87.38	87.76	88.23	88.62	87.81	87.86	88.06	88.12	88.78	88.78
Non-MBS	921.26	918.92	922.3	917.66	916.73	918.54	917.35	918.3	924.03	933.18	936.73	939.84	942.03	936.7	931.43	934.17	933.74	932.76	926.13	920.02	913.15	910.71	907.21	908.57	903.5	906.49	911.78	911.1	915.07	912.91	913.08
Total loans and leases4	14,079.01	14,062.4	14,028.75	14,035.35	14,016.85	13,980.91	13,953.16	13,924.84	13,902.61	13,908.04	13,865.83	13,862.27	13,874.97	13,862.71	13,856.76	13,814.18	13,818.9	13,808.16	13,779.76	13,755.14	13,741.96	13,730.5	13,720.27	13,708.11	13,690.36	13,635.76	13,606.27	13,595.63	13,575.35	13,547.59	13,538.93
Commercial and industrial loans	2,965.27	2,967.68	2,965.34	2,956.15	2,945.12	2,933.6	2,925.16	2,913.72	2,894.8	2,897.79	2,885.24	2,892.51	2,914.67	2,906.21	2,907.28	2,902.68	2,898.76	2,890.55	2,881.36	2,872.74	2,871.31	2,860.36	2,855.82	2,851.42	2,845.1	2,822.13	2,820.28	2,816.19	2,812.01	2,786.94	2,786.09
Real estate loans2	5,836.74	5,832.36	5,829.9	5,832.73	5,832.69	5,822.75	5,813.43	5,817.16	5,814.65	5,809.06	5,800.75	5,800.34	5,802.77	5,803.02	5,799.2	5,791.13	5,790.02	5,792.13	5,785.55	5,784.42	5,778.3	5,778.76	5,776.43	5,771.24	5,769.83	5,769.38	5,762.83	5,760.72	5,763	5,762.73	5,764.55
Residential real estate loans2	2,700.61	2,696.54	2,698.01	2,701.53	2,700.35	2,695.58	2,690.97	2,694.94	2,695.67	2,693.34	2,689.56	2,692.92	2,695.04	2,694.36	2,690.62	2,688.93	2,686.94	2,689.35	2,683.98	2,686.51	2,687.53	2,688.33	2,685.68	2,683.71	2,683.27	2,686.08	2,683.84	2,684.59	2,687.42	2,688.88	2,688.72
Revolving home equity loans	290.63	290.36	290	290.09	289.76	289.39	288.93	288.02	287.54	287.19	286.49	286.18	285.88	285.13	284.68	284.11	283.98	283.72	283.48	283.22	283.34	282.88	282.79	282.38	282.49	282.65	282.31	282	281.32	281.25	280.86
Closed-end residential loans	2,409.99	2,406.18	2,408	2,411.44	2,410.59	2,406.19	2,402.05	2,406.92	2,408.13	2,406.15	2,403.06	2,406.75	2,409.17	2,409.23	2,405.94	2,404.82	2,402.96	2,405.63	2,400.5	2,403.29	2,404.19	2,405.45	2,402.89	2,401.33	2,400.77	2,403.44	2,401.53	2,402.6	2,406.1	2,407.63	2,407.86
Commercial real estate loans4	3,136.13	3,135.81	3,131.9	3,131.2	3,132.34	3,127.17	3,122.46	3,122.21	3,118.99	3,115.72	3,111.19	3,107.42	3,107.73	3,108.66	3,108.58	3,102.2	3,103.09	3,102.78	3,101.57	3,097.91	3,090.77	3,090.43	3,090.75	3,087.52	3,086.56	3,083.3	3,078.99	3,076.13	3,075.58	3,073.85	3,075.83
Construction and land development loans	459.11	458.56	459.03	457.94	458.24	457.54	456.97	456.87	454.03	454.38	453.07	452.01	448.63	449.46	450.42	451.25	452.28	452.61	453.49	453.66	452.68	452.53	452.04	452.29	452.7	453.46	452.62	453.24	453.05	453.14	453.75
Farmland collateral	123.43	123.42	123.32	123.12	123.14	122.97	122.96	122.6	122.63	122.61	122.45	122.43	121.99	122.25	122.06	122	121.77	121.7	121.6	121.66	121.52	121.46	121.38	121.2	121.08	121.04	120.98	120.81	120.71	120.62	120.55
Multifamily residential real estate secured	641.9	642.5	640.19	639.15	639.47	637.56	636.88	637.06	636.12	635.15	634.51	634.15	636.32	637.44	639.54	637.4	636.08	635.55	634.95	633.47	632.28	632.11	632.11	631.09	630.5	630.48	630.37	629.9	630.53	629.61	627.74
Nonfarm, nonresidential real estate secured	1,911.69	1,911.33	1,909.35	1,910.99	1,911.49	1,909.09	1,905.64	1,905.69	1,906.21	1,903.58	1,901.16	1,898.84	1,900.8	1,899.51	1,896.55	1,891.55	1,892.96	1,892.93	1,891.52	1,889.12	1,884.3	1,884.33	1,885.22	1,882.94	1,882.28	1,878.32	1,875.02	1,872.18	1,871.3	1,870.48	1,873.8
Consumer loans2	1,925.99	1,924.41	1,914.28	1,920.21	1,920.4	1,916.77	1,914.29	1,914.43	1,910.75	1,910.15	1,910.67	1,903.78	1,901.59	1,898.86	1,899.77	1,896.9	1,896.47	1,894.68	1,891.49	1,889.9	1,890.87	1,885.74	1,886.08	1,888.86	1,883.61	1,888.41	1,884.25	1,879.59	1,875.78	1,873.99	1,874.01
Credit cards and other revolving plans	1,091.83	1,091.52	1,083.26	1,089.99	1,091.63	1,089.07	1,087.87	1,089.35	1,087.14	1,087.96	1,089.71	1,086.32	1,087.41	1,086.37	1,086.56	1,084.23	1,084.38	1,083.41	1,080.86	1,079.96	1,082.8	1,079.68	1,079.73	1,081.77	1,077.58	1,079	1,076.56	1,074.08	1,071.5	1,069.92	1,071.05
Other consumer loans1	834.15	832.89	831.02	830.22	828.77	827.7	826.42	825.08	823.62	822.19	820.96	817.47	814.19	812.49	813.21	812.68	812.09	811.27	810.63	809.94	808.07	806.06	806.35	807.09	806.03	809.41	807.69	805.51	804.28	804.08	802.96
Automobile loans	527.81	526.78	525.56	524.7	524.34	523.36	522.84	522.55	521.44	520.93	520.44	520.27	517.7	517.58	516.85	516.68	515.7	515.8	515.47	515.3	514.77	513.41	513.02	512.67	512.17	510.61	510.07	509.21	508.41	508.05	507.45
Other loans and leases1	3,351.01	3,337.96	3,319.23	3,326.27	3,318.64	3,307.79	3,300.28	3,279.54	3,282.4	3,291.05	3,269.18	3,265.63	3,255.93	3,254.62	3,250.51	3,223.46	3,233.65	3,230.8	3,221.37	3,208.09	3,201.47	3,205.64	3,201.94	3,196.6	3,191.83	3,155.84	3,138.91	3,139.13	3,124.55	3,123.92	3,114.27
Loans to nonbank financial institutions	2,046.95	2,039.24	2,028.07	2,030.9	2,025.63	2,024.76	2,016.47	1,999.95	2,003.94	2,009.38	2,001.89	1,992.46	1,985.53	1,994.61	1,997.38	1,980.25	1,986.94	1,982.23	1,985.95	1,972.45	1,970.53	1,970.38	1,968.84	1,967.6	1,961.91	1,944.46	1,934.65	1,935.18	1,921.47	1,918.96	1,915.23
LESS: Allowance for loan and lease losses	202.39	202.19	202.3	202.2	201.79	201.94	202.04	201.91	201.59	201.76	200.88	201.58	203.23	202.49	202.43	202.47	202.49	202.06	202.44	202.25	202.34	202.05	202.24	202.04	201.05	200.55	200.58	200.3	200.55	200.44	199.57
Cash assets	3,045.41	3,066.54	2,999.5	2,944.96	2,945.18	2,951.48	3,012.46	3,042.96	3,135.29	3,127.22	3,165.77	3,187.19	3,023.97	2,962.38	3,043.51	3,025.73	3,079.71	3,135.7	3,151.98	3,145.18	3,101.65	3,038.17	2,981.92	3,032.62	2,995.1	2,986.76	2,959.2	2,986.26	2,987.69	3,006.75	3,028.85
Federal funds and reverse repos	724.04	757.31	783.21	786.88	768.55	769.98	774.79	737.06	769.46	805.95	750.79	769.19	753.55	758	763.48	785.9	778.8	752.78	752.98	777.45	795.54	759.53	792.91	745	778.69	781.09	745.68	763.08	760.57	738.66	743.68
Loans to commercial banks	11.26	8.65	8.4	8.21	13.26	14.64	15.83	14.36	14.08	8.98	10.87	7.58	11.41	19.18	15.14	11.59	9.54	7.94	6.9	8.46	10.73	9.63	11.05	11.53	8.39	11.12	13.87	15.2	15.15	14.94	14.74
Other assets including trading assets	2,317.11	2,307.04	2,285.01	2,266.39	2,298.67	2,266.99	2,263.44	2,243.51	2,228.74	2,209.24	2,234.24	2,222.03	2,308.24	2,245.62	2,226.09	2,240	2,245.94	2,237.72	2,203.63	2,222.71	2,228.36	2,187.46	2,189.89	2,181.48	2,196.9	2,168.21	2,167.34	2,138.57	2,114.29	2,149.32	2,139.53
Total assets	25,771.75	25,804.17	25,709.71	25,635.64	25,652.14	25,594.93	25,647.35	25,603.23	25,684.42	25,713.43	25,631.22	25,628.95	25,569.42	25,434.33	25,483.21	25,440.34	25,498.99	25,498.48	25,443.78	25,446.53	25,396.44	25,249.59	25,239.71	25,218.06	25,200.84	25,128.79	25,040.58	25,046.43	24,986.92	24,978.88	24,993.03
Liabilities4
Total deposits2	19,568.4	19,657.54	19,566.06	19,559.23	19,534.86	19,534.81	19,496.55	19,367.45	19,404.86	19,469.89	19,364.55	19,435.03	19,384.43	19,310.84	19,343.32	19,284.85	19,320.29	19,275.03	19,267.78	19,202.86	19,115.95	19,075.27	19,086.29	19,041.16	19,061.3	18,986.08	18,923.08	18,903.48	18,862.62	18,845.08	18,825.84
Large time deposits	2,576.28	2,569.82	2,567.99	2,559.56	2,556.18	2,558.39	2,558.01	2,544.52	2,540.46	2,541.9	2,535.24	2,524.41	2,520.84	2,510.45	2,510.1	2,507.75	2,537.76	2,543.73	2,540.7	2,531.3	2,549.16	2,528.03	2,489.03	2,488.11	2,487.28	2,486.12	2,474.84	2,468.25	2,465.7	2,467.17	2,459.79
Other deposits	16,992.12	17,087.72	16,998.07	16,999.68	16,978.67	16,976.42	16,938.54	16,822.94	16,864.39	16,927.99	16,829.32	16,910.62	16,863.59	16,800.38	16,833.22	16,777.1	16,782.53	16,731.31	16,727.09	16,671.56	16,566.8	16,547.23	16,597.26	16,553.05	16,574.02	16,499.96	16,448.24	16,435.23	16,396.92	16,377.91	16,366.05
Borrowings	2,308.06	2,280.6	2,266.32	2,226.46	2,252.6	2,247.57	2,293.16	2,296.7	2,320.38	2,322.17	2,320.47	2,338.03	2,317.12	2,275.59	2,268.58	2,253.74	2,279.26	2,331.85	2,330.23	2,327	2,294.26	2,244.8	2,230.79	2,234.16	2,233.97	2,228.69	2,257.75	2,219.55	2,232.99	2,253.29	2,259.41
Net due to related foreign offices	379.91	335.35	385.75	324.58	297.84	302.17	343.99	417.54	412.34	362.27	383.2	364.08	310.95	337.66	369.03	413.5	412.36	388.83	383.67	434.7	500.57	477.79	467.26	476.89	442.13	438.25	393.15	409.32	390.26	370.39	391.5
Other liabilities including trading liabilities	1,058.75	1,054.57	1,028.2	1,037.85	1,078.63	1,023.83	1,020.54	1,009.72	1,021.18	1,027.1	1,047.93	1,013.84	1,043.14	994.79	996.59	1,010.59	1,008.26	1,018.81	992.52	1,008.87	1,014.4	976.53	969.92	967.03	987.01	988.51	988.46	980.15	950.07	970.55	978.83
TOTAL LIABILITIES	23,315.13	23,328.06	23,246.33	23,148.13	23,163.92	23,108.38	23,154.24	23,091.41	23,158.76	23,181.44	23,116.16	23,150.99	23,055.65	22,918.87	22,977.51	22,962.68	23,020.17	23,014.52	22,974.2	22,973.43	22,925.18	22,774.39	22,754.26	22,719.23	22,724.4	22,641.52	22,562.44	22,512.49	22,435.93	22,439.31	22,455.57
Residual (assets less liabilities)	2,456.62	2,476.11	2,463.39	2,487.51	2,488.21	2,486.55	2,493.11	2,511.82	2,525.66	2,531.99	2,515.07	2,477.96	2,513.78	2,515.46	2,505.69	2,477.66	2,478.82	2,483.96	2,469.58	2,473.11	2,471.26	2,475.2	2,485.45	2,498.82	2,476.44	2,487.27	2,478.14	2,533.94	2,550.99	2,539.56	2,537.46

Latest reading

Total bank credit stood at 19,876.33 USD billion in Sep 16, 2026. That is unchanged from Sep 9, 2026 and +6.1% from a year earlier. The series on this page is weekly and runs from Jan 3, 1973 to Sep 16, 2026. Source: FRED (Federal Reserve Bank of St. Louis).

Latest: 19,876.33 USD billion; Sep 16, 2026
vs previous period: 0.0%; Sep 9, 2026
vs a year earlier: +6.1%

Look up any date

Pick a date between Jan 3, 1973 and Sep 16, 2026 to see every series in this table on that day. If there is no reading that day (weekend, holiday, or a weekly release), the last reading before it is shown.

About this data

US commercial bank balance sheet assets, liabilities, and bank credit from the Federal Reserve. This table provides total assets, total liabilities, bank credit, securities, and loans in USD billion. Published daily by FRED from the Federal Reserve H.8 release, historical data spans since 1973. Use these consolidated figures to track banking sector credit expansion and lending trends in the United States.

Frequently asked questions

What does the US commercial bank balance sheet measure?: It measures the consolidated assets, liabilities, bank credit, securities, and loans of all commercial banks operating in the United States.
How frequently is the commercial bank balance sheet published?: The data is published daily by FRED using the Federal Reserve's H.8 release, with continuous series extending since 1973.
What loan and asset categories are available?: The table details total bank credit, Treasury and agency securities, mortgage-backed securities, commercial and industrial loans, real estate loans, and consumer credit.
How does this differ from other monetary indicators?: Unlike money supply measures focusing on currency and deposits, the commercial bank balance sheet tracks how banks allocate credit across loans and securities.