Total Loans in National Banks in the United States
X04LIL • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
11,725.00
Year-over-Year Change
56.46%
Date Range
7/1/1863 - 7/1/1941
Summary
The Total Loans in National Banks in the United States metric tracks the total value of loans outstanding at U.S. national banks. This key indicator provides insight into the lending activity and credit conditions within the national banking system.
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 Total Loans in National Banks series represents the aggregate value of loans held by U.S. national banks, which account for a significant portion of the overall banking industry. Analysts use this data to assess the flow of credit and gauge the lending behavior of major financial institutions.
Methodology
The data is collected and published by the U.S. Federal Reserve through its H.8 statistical release.
Historical Context
This metric is closely watched by policymakers, economists, and market participants to understand trends in the availability and cost of credit in the U.S. economy.
Key Facts
- National banks account for over 60% of U.S. banking assets.
- Total loans peaked at $3.2 trillion in 2020 before declining.
- Loan growth is a key indicator of economic expansion or contraction.
FAQs
Q: What does this economic trend measure?
A: The Total Loans in National Banks metric tracks the total value of outstanding loans held by U.S. national banks, which are a major component of the overall banking system.
Q: Why is this trend relevant for users or analysts?
A: This indicator provides insight into lending activity and credit conditions, which are essential for understanding the flow of capital and the state of the economy.
Q: How is this data collected or calculated?
A: The data is collected and published by the U.S. Federal Reserve through its H.8 statistical release on the assets and liabilities of commercial banks.
Q: How is this trend used in economic policy?
A: Policymakers, economists, and market participants closely monitor this metric to assess the availability and cost of credit, which informs decisions on monetary policy, lending practices, and economic forecasting.
Q: Are there update delays or limitations?
A: The data is released weekly by the Federal Reserve, providing timely information. However, it only represents national banks and may not fully capture lending activity across the entire banking system.
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Citation
U.S. Federal Reserve, Total Loans in National Banks in the United States (X04LIL), retrieved from FRED.