Net Percentage of Domestic Banks Tightening Standards Across Loan Categories, Weighted by Banks' Outstanding Loan Balances by Category
SUBLPDMOSXWBNQ • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
-4.80
Year-over-Year Change
-133.57%
Date Range
7/1/1991 - 7/1/2025
Summary
Tracks changes in lending standards across multiple loan categories. Provides critical insight into bank lending conditions and potential economic constraints.
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 tightening credit standards, weighted by outstanding loan balances. Indicates potential shifts in bank lending behavior.
Methodology
Calculated through Federal Reserve survey of domestic bank lending practices.
Historical Context
Used by policymakers to assess credit market conditions and potential economic slowdowns.
Key Facts
- Indicates potential credit market constraints
- Weighted by outstanding loan balances
- Critical economic health indicator
FAQs
Q: What does this economic indicator measure?
A: Tracks changes in bank lending standards across different loan categories. Reflects potential tightening of credit conditions.
Q: Why are lending standards important?
A: Tight lending standards can slow economic growth by reducing access to credit for businesses and consumers.
Q: How often is this data updated?
A: Typically updated quarterly through Federal Reserve bank lending surveys.
Q: What causes banks to tighten lending standards?
A: Economic uncertainty, increased risk perception, and regulatory changes can prompt banks to tighten lending criteria.
Q: How do investors use this data?
A: Investors analyze this indicator to assess potential economic slowdowns and banking sector health.
Related Trends
Number of Foreign Banks That Tightened and Reported That Decreased Liquidity in the Secondary Market for These (Commercial and Industrial) Loans Was a Somewhat Important Reason
SUBLPFCIRTSSNQ
Number of Foreign Banks That Tightened and Reported That Worsening of Industry-Specific Problems Was a Very Important Reason
SUBLPFCIRTIVNQ
Net Percentage of Domestic Banks Reducing the Maximum Size Credit Lines for Small Firms
SUBLPDCISTMNQ
Number of Foreign Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Inventory Financing Needs Was a Very Important Reason
SUBLPFCIRSIVNQ
Number of Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Merger or Acquisition Financing Needs Was a Very Important Reason
SUBLPDCIRSMVNQ
Net Percentage of Large Domestic Banks Increasing Spreads of Loan Rates Over Banks' Cost of Funds to Large and Middle-Market Firms
SUBLPDCILTSLGNQ
Citation
U.S. Federal Reserve, Net Percentage of Domestic Banks Tightening Standards Across Loan Categories (SUBLPDMOSXWBNQ), retrieved from FRED.