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Bank Loan Charge-Off Rates by Loan Type
Loans written off as losses, net of recoveries, annualized, % of average loans, U.S. commercial banks
0 of 4 series are above their level a year earlier
Plays the chart through its history. Pauses are where the data set a record or moved most.
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Federal Reserve Board, commercial banks only. Net charge-offs, annualized, as a share of average loans; seasonally adjusted.
Where banks are actually losing money on loans. Credit cards run far above everything else and lead the consumer cycle; business loan losses jump in recessions; the all-loans line is the credit cycle in one series.
What this chart reads
- Credit Card Charge-Off Rate (Banks)as “Credit cards”latest 2026-04-01
- Consumer Loan Charge-Off Rate (Banks)as “All consumer loans”latest 2026-04-01
- Business Loan Charge-Off Rate (Banks)as “Business (C&I) loans”latest 2026-04-01
- Charge-Off Rate on All Loans (Banks)as “All loans”latest 2026-04-01
Sources
Credit Card Charge-Off Rate (Banks). Source: Board of Governors of the Federal Reserve System, Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks (FRED series CORCCACBS). Palanor pulls it from the FRED API (Federal Reserve Bank of St. Louis) nightly. Federal Reserve Board data are in the public domain.
Consumer Loan Charge-Off Rate (Banks). Source: Board of Governors of the Federal Reserve System, Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks (FRED series CORCACBS). Palanor pulls it from the FRED API (Federal Reserve Bank of St. Louis) nightly. Federal Reserve Board data are in the public domain.
Business Loan Charge-Off Rate (Banks). Source: Board of Governors of the Federal Reserve System, Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks (FRED series CORBLACBS). Palanor pulls it from the FRED API (Federal Reserve Bank of St. Louis) nightly. Federal Reserve Board data are in the public domain.
Charge-Off Rate on All Loans (Banks). Source: Board of Governors of the Federal Reserve System, Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks (FRED series CORALACBS). Palanor pulls it from the FRED API (Federal Reserve Bank of St. Louis) nightly. Federal Reserve Board data are in the public domain.
Charts are drawn from Palanor's signal library and recomputed from source data on every view. Transformations (changes, indexing, year-on-year rates) are Palanor's.