Live data from FRED • Updates hourly
🏦 US Banking Health & FDIC Fund
Bank credit trends, excess reserves, government securities holdings, loan volumes, and delinquency rates — key indicators for US banking system health.
Last updated: July 9, 2026 · Source: FRED (Federal Reserve Economic Data)
🟢Healthy— Banking sector delinquencies at low levels
Total Bank Credit
$19.6T
▲ +$22.4B
Total Loans & Leases
$13.9T
▲ +$8.2B
Govt Securities
N/A
Excess Reserves
$2.8T
▲ +$81.2T
YoY: +102.0%
Delinquency Rate
1.49%
▼ -0.04pp
YoY: -4.5%
📈 Bank Credit Trends
Total bank credit, loans & leases, and government securities held by commercial banks.
Total Bank CreditLoans & LeasesGovt Securities
🏦 Excess Reserves
Excess reserves of depository institutions — a key indicator of banking system liquidity.
⚠️ Loan Delinquency Rate
Delinquency rate on all loans at commercial banks — rising rates signal growing credit stress.
📋 Data Sources
- EXCSRESNS — Excess Reserves of Depository Institutions (FRED)
- TOTBKCR — Bank Credit, All Commercial Banks (FRED)
- USGSEC — US Government Securities at Commercial Banks (FRED)
- TOTLL — Loans and Leases in Bank Credit (FRED)
- DRALACBN — Delinquency Rate on All Loans, All Commercial Banks (FRED)
Last updated: Jul 9, 2026, 6:01 AM UTC·Source: FRED