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The Real Rate Index45.30.00Palanor: Inflation Pulse50.7+0.09Palanor: Geopolitical Stress60.0-2.16Palanor: Liquidity57.9-0.79Palanor: Capital Tightness47.5+0.91Palanor: Industrial Pulse70.10.00Palanor: AI Margin Compression53.4+0.29Palanor: Consumer Confidence48.6+0.50Palanor: US Dollar Strength46.50.00Palanor: Labor Heat63.2-0.01Palanor: Recession Vocabulary28.1+0.54Palanor: Uncertainty Index53.4+1.24Palanor: US Jobs Health40.30.00Palanor: Energy Transition37.0-0.52Palanor: Reshoring Sentiment22.8+0.54Palanor: AI Substitution28.4-0.24The Social Fabric Index45.70.00Palanor: Geopolitical Anxiety19.4-0.45Palanor: Quit Pressure37.6+0.42The Mania Index88.00.00The Palanor Index57.1-0.51Cost Disease Spread33.20.00Palanor: US vs China49.5-0.17Rise of Socialism Index40.8-0.26The Bubble Memory79.90.00Palanor: Steward Confidence50.8+0.13The Long Watch90.30.00The Reshoring Index55.2+0.00The Capital Return Index81.0-0.75The Discourse Index72.4+1.83The Hesitation Index30.8-6.58Palanor AI Inference Cost Index71.2-0.03The AI Capex Race Index78.4+1.36The Boardroom Index82.5-0.00The Layoff Cycle Index32.8-2.51Capital Deployment Posture Index62.3+1.26The Consumer Health Index41.7-2.96Labor Hours Composite44.40.00The Dollar Erosion Index66.6+0.14Palanor: Risk Appetite36.2+0.83
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CRE Loan Delinquency Rate, 100 Largest Banks

Latest

1.7%

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Methodology

## What this measures

The share of commercial real estate loan balances at the 100 largest U.S. commercial banks that are 30 or more days past due or no longer accruing interest.

## Why it matters

Read beside smaller banks (fred_drcrelexfobs), it shows whether trouble in commercial property lending sits with the largest lenders or with regional and community banks.

## How to read it

Higher is worse. It was 1.70% in the second quarter of 2026, down from 1.89% a year earlier, against 9.95% at the 2010 peak. Compare with smaller banks (fred_drcrelexfobs).

## What it does not say

These are commercial real estate loans held by U.S. commercial banks, not commercial mortgage-backed securities (CMBS), where office loan delinquency has run far higher. Bank figures also exclude life insurers, credit unions and private credit funds.

## Source

Board of Governors of the Federal Reserve System, Charge-Off and Delinquency Rates on Loans and Leases at Commercial Banks (FRED series DRCRELEXFT100S). Palanor pulls it from the FRED API (Federal Reserve Bank of St. Louis) nightly.

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