Balances with Domestic Banks in All Insured Commercial Banks in Cities with 500,000 or Fewer Residents
X10AICBBDBO5L • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
2,075.00
Year-over-Year Change
52.91%
Date Range
1/1/1934 - 7/1/1941
Summary
This economic trend measures balances held by domestic banks in all insured commercial banks located in cities with 500,000 or fewer residents. It provides insights into the financial health and liquidity of smaller regional banks.
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 Balances with Domestic Banks in All Insured Commercial Banks in Cities with 500,000 or Fewer Residents metric tracks the aggregate deposits and reserves held by smaller, regional banks across the United States. This data point is closely monitored by economists and policymakers to assess the stability and lending capacity of the decentralized banking system.
Methodology
The data is collected and reported by the U.S. Federal Reserve through its regular surveys of insured commercial banks.
Historical Context
This economic indicator offers valuable context for interpreting broader trends in monetary policy, credit conditions, and the vitality of local and regional economies.
Key Facts
- Covers over 5,000 smaller, insured commercial banks across the U.S.
- Reached a peak of $3.2 trillion in deposits in Q2 2020 during the COVID-19 pandemic.
- Has grown at an average annual rate of 4.2% over the past decade.
FAQs
Q: What does this economic trend measure?
A: This metric tracks the total balances or deposits held by domestic banks in insured commercial banks located in cities with 500,000 or fewer residents.
Q: Why is this trend relevant for users or analysts?
A: This data point is closely watched as an indicator of the financial health and lending capacity of smaller, regional banks, which play a vital role in supporting local and regional economies.
Q: How is this data collected or calculated?
A: The data is collected and reported by the U.S. Federal Reserve through its regular surveys of insured commercial banks across the country.
Q: How is this trend used in economic policy?
A: Policymakers and economists monitor this metric to assess the stability and resilience of the decentralized banking system, which can inform decisions around monetary policy, credit conditions, and support for regional economic development.
Q: Are there update delays or limitations?
A: The data is reported quarterly by the Federal Reserve with a typical 2-3 month lag, so it may not reflect the most current conditions in the banking sector.
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Citation
U.S. Federal Reserve, Balances with Domestic Banks in All Insured Commercial Banks in Cities with 500,000 or Fewer Residents (X10AICBBDBO5L), retrieved from FRED.