Commercial and Industrial Loans, Banks Ranked 1st to 100th Largest in Size by Assets
ACILT100 • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1,990,141.00
Year-over-Year Change
1.77%
Date Range
1/1/1985 - 1/1/2025
Summary
This economic indicator tracks the total value of commercial and industrial loans issued by the top 100 U.S. banks by asset size. It serves as a critical barometer of business lending activity and corporate investment sentiment.
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
Commercial and industrial loans represent short and medium-term financing extended to businesses for operational and capital expenditure purposes. Economists closely monitor this trend as a leading indicator of business confidence, economic expansion, and potential future economic growth.
Methodology
Data is collected through regulatory reporting requirements from banks, aggregating loan volumes from the largest 100 financial institutions by total assets.
Historical Context
Policymakers and financial analysts use this metric to assess credit market conditions, potential economic momentum, and potential shifts in business investment strategies.
Key Facts
- Represents lending activity among top 100 U.S. banks by asset size
- Provides insight into corporate borrowing and investment trends
- Fluctuates with economic cycles and business confidence levels
FAQs
Q: What do commercial and industrial loans indicate?
A: These loans reflect business borrowing for operational expenses, capital investments, and expansion activities. They are a key indicator of economic health and business confidence.
Q: How do changes in this metric impact the economy?
A: Increasing loan volumes typically suggest business optimism and potential economic growth, while decreasing volumes might indicate reduced business investment or economic uncertainty.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this data weekly or monthly, providing near-real-time insights into lending trends.
Q: Why focus on the top 100 banks?
A: These banks represent the majority of commercial lending in the U.S. financial system, making them a representative sample of overall lending activity.
Q: What are the limitations of this data?
A: The metric does not capture lending from smaller banks or alternative financing sources, which might provide a partial view of total business lending.
Related Trends
Consumer Loans: Credit Cards and Other Revolving Plans, All Commercial Banks
H8B1247NCBCMG
Total Fed Funds Sold and Securities Purchased Under Agreements to Resell, All Commercial Banks
H8B3092NCBA
Consumer Loans, All Commercial Banks
H8B1029NCBCMG
Total Assets, Interest-Earning, All Loans and Leases, Gross, Secured by Real Estate, Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, Banks Ranked 1st to 100th Largest in Size by Assets
TAIEALLGSRECRELEXFT100EP
Real Estate Loans, All Commercial Banks
H8B1026NCBCMG
Securities in Bank Credit, All Commercial Banks
H8B1002NCBCMG
Citation
U.S. Federal Reserve, Commercial and Industrial Loans, Banks Ranked 1st to 100th Largest in Size by Assets [ACILT100], retrieved from FRED.
Last Checked: 8/1/2025