Monthly / Weekly Credit Update

Credit, SLOOS, Loan Growth, and Liquidity

Structured to mirror the labor chartdeck workflow, with survey heatmaps up front, credit-growth breadth next, then the full chart library.

Latest data pointJune 11, 202692 rendered chart panels
C&I Standards: Net % Tightening8.10%Banks tightening C&I loan standards
Bank Credit YoY+6.40%Bank credit growth
C&I Loans YoY+7.67%Business loan growth
Fed Net Liquidity$5,872BWoW +0.16%WALCL less RRP and TGA
RRP2.06BWoW +11.28%Reverse repo usage
TGA830,296.00MWoW +6.27%Treasury General Account
M2 YoY+4.72%Money stock growth
HY OAS2.71%High-yield spread

SLOOS Heatmap

Red means tighter standards, wider spreads, or weaker demand; green means easier standards, narrower spreads, or stronger demand. Each row uses its own scale.

Credit Growth Table

Latest levels, latest change, and YoY growth for major credit categories.

SeriesGroupLatest (B)Latest Change (B)MoM %YoYAs Of
Bank Credit, All Commercial BanksBank Credit19,567.4B33.5B+0.17%+6.40%2026-05-20
Loans and Leases in Bank CreditBank Credit13,739.9B107.5B+0.79%+7.27%2026-04-01
Loans and Leases, All Commercial BanksBank Credit13,821.3B33.6B+0.24%+7.38%2026-05-20
Commercial and Industrial LoansC&I Loans2,873.7B42.8B+1.51%+7.67%2026-04-01
Real Estate LoansReal Estate Credit5,771.4B10.5B+0.18%+2.21%2026-04-01
Commercial Real Estate LoansReal Estate Credit3,086.5B10.7B+0.35%+2.66%2026-04-01
Residential Real Estate LoansReal Estate Credit2,684.9B-0.3B-0.01%+1.68%2026-04-01
Consumer LoansConsumer Credit1,901.4B12.0B+0.63%+4.43%2026-04-01
Auto Loans, All Commercial BanksConsumer Credit514.2B3.6B+0.71%+5.23%2026-04-01
Credit Cards and Other Revolving PlansConsumer Credit8.4B-1.3B-13.40%+115.38%2026-04-01
Total Consumer Credit Owned and SecuritizedConsumer Credit5,140,540.7B24,855.0B+0.49%+2.35%2026-03-01
Small Bank CreditBank Credit by Size5,923.1B-2.4B-0.04%+4.36%2026-05-20
Small Bank C&I LoansBank Credit by Size717.4B5.6B+0.78%+4.19%2026-04-01
Cash Assets: Small BanksBank Liquidity524.9B22.1B+4.40%+5.39%2026-05-20
Cash Assets: Large BanksBank Liquidity1,396.6B-85.0B-5.74%+3.34%2026-05-20
Deposits: Small BanksDeposits5,639.4B15.7B+0.28%+4.46%2026-05-20
Deposits: Large BanksDeposits12,136.2B-39.6B-0.33%+6.84%2026-05-20
Total Assets, All Commercial BanksBank Assets25,539.8B66.5B+0.26%+5.51%2026-05-20
Total Assets: Large BanksBank Assets15,040.4B141.3B+0.95%+6.11%2026-04-01
Total Assets: Small BanksBank Assets6,826.7B-0.3B-0.00%+4.06%2026-04-01
All Sectors Debt Securities and LoansDebt107,632,484.0B1,479,267.0B+1.39%+5.29%2025-10-01
Household DebtDebt20,934,549.0B171,048.0B+0.82%+3.17%2025-10-01
Federal Debt: Total Public DebtDebt38,514.0B876.5B+2.33%+6.34%2025-10-01

Credit Growth YoY Heatmap

Major loan and debt categories shown as YoY changes. Red is weaker growth, green is stronger growth, and each row uses its own scale.

SLOOS Survey Charts

8 charts

SLOOS: C&I Standards, Net % Tightening

Net percentage of banks reporting tighter C&I loan standards; higher means credit supply is tighter.

SLOOS: C&I Demand, Net % Stronger

Net percentage of banks reporting stronger C&I loan demand; higher means borrower demand improved.

SLOOS: C&I Loan Spreads, Net % Widening

Net percentage of banks increasing loan-rate spreads over funding costs; higher means terms are tighter.

SLOOS: CRE Standards, Net % Tightening

Net percentage of banks tightening CRE standards across construction, multifamily, and nonfarm nonresidential loans.

SLOOS: CRE Demand, Net % Stronger

Net percentage of banks reporting stronger demand for the main CRE lending categories.

SLOOS: Consumer Standards, Net % Tightening

Net percentage of banks tightening credit card, auto, and other consumer-loan standards.

SLOOS: Consumer Demand, Net % Stronger

Net percentage of banks reporting stronger demand across credit card, auto, and other consumer loans.

SLOOS: Willingness to Make Consumer Loans

Net percentage of banks more willing to make consumer installment loans, shown against the 10Y-3M spread.

Loan Growth Charts

46 charts

Bank Credit, All Commercial Banks: Level

Absolute stock of credit, loans, deposits, assets, or debt.

Bank Credit, All Commercial Banks: Year-over-Year Growth

Year-over-year percentage change.

Loans and Leases in Bank Credit: Level

Absolute stock of credit, loans, deposits, assets, or debt.

Loans and Leases in Bank Credit: Year-over-Year Growth

Year-over-year percentage change.

Loans and Leases, All Commercial Banks: Level

Absolute stock of credit, loans, deposits, assets, or debt.

Loans and Leases, All Commercial Banks: Year-over-Year Growth

Year-over-year percentage change.

Commercial and Industrial Loans: Level

Absolute stock of credit, loans, deposits, assets, or debt.

Commercial and Industrial Loans: Year-over-Year Growth

Year-over-year percentage change.

Real Estate Loans: Level

Absolute stock of credit, loans, deposits, assets, or debt.

Real Estate Loans: Year-over-Year Growth

Year-over-year percentage change.

Commercial Real Estate Loans: Level

Absolute stock of credit, loans, deposits, assets, or debt.

Commercial Real Estate Loans: Year-over-Year Growth

Year-over-year percentage change.

Residential Real Estate Loans: Level

Absolute stock of credit, loans, deposits, assets, or debt.

Residential Real Estate Loans: Year-over-Year Growth

Year-over-year percentage change.

Consumer Loans: Level

Absolute stock of credit, loans, deposits, assets, or debt.

Consumer Loans: Year-over-Year Growth

Year-over-year percentage change.

Auto Loans, All Commercial Banks: Level

Absolute stock of credit, loans, deposits, assets, or debt.

Auto Loans, All Commercial Banks: Year-over-Year Growth

Year-over-year percentage change.

Credit Cards and Other Revolving Plans: Level

Absolute stock of credit, loans, deposits, assets, or debt.

Credit Cards and Other Revolving Plans: Year-over-Year Growth

Year-over-year percentage change.

Total Consumer Credit Owned and Securitized: Level

Absolute stock of credit, loans, deposits, assets, or debt.

Total Consumer Credit Owned and Securitized: Year-over-Year Growth

Year-over-year percentage change.

Small Bank Credit: Level

Absolute stock of credit, loans, deposits, assets, or debt.

Small Bank Credit: Year-over-Year Growth

Year-over-year percentage change.

Small Bank C&I Loans: Level

Absolute stock of credit, loans, deposits, assets, or debt.

Small Bank C&I Loans: Year-over-Year Growth

Year-over-year percentage change.

Cash Assets: Small Banks: Level

Absolute stock of credit, loans, deposits, assets, or debt.

Cash Assets: Small Banks: Year-over-Year Growth

Year-over-year percentage change.

Cash Assets: Large Banks: Level

Absolute stock of credit, loans, deposits, assets, or debt.

Cash Assets: Large Banks: Year-over-Year Growth

Year-over-year percentage change.

Deposits: Small Banks: Level

Absolute stock of credit, loans, deposits, assets, or debt.

Deposits: Small Banks: Year-over-Year Growth

Year-over-year percentage change.

Deposits: Large Banks: Level

Absolute stock of credit, loans, deposits, assets, or debt.

Deposits: Large Banks: Year-over-Year Growth

Year-over-year percentage change.

Total Assets, All Commercial Banks: Level

Absolute stock of credit, loans, deposits, assets, or debt.

Total Assets, All Commercial Banks: Year-over-Year Growth

Year-over-year percentage change.

Total Assets: Large Banks: Level

Absolute stock of credit, loans, deposits, assets, or debt.

Total Assets: Large Banks: Year-over-Year Growth

Year-over-year percentage change.

Total Assets: Small Banks: Level

Absolute stock of credit, loans, deposits, assets, or debt.

Total Assets: Small Banks: Year-over-Year Growth

Year-over-year percentage change.

All Sectors Debt Securities and Loans: Level

Absolute stock of credit, loans, deposits, assets, or debt.

All Sectors Debt Securities and Loans: Year-over-Year Growth

Year-over-year percentage change.

Household Debt: Level

Absolute stock of credit, loans, deposits, assets, or debt.

Household Debt: Year-over-Year Growth

Year-over-year percentage change.

Federal Debt: Total Public Debt: Level

Absolute stock of credit, loans, deposits, assets, or debt.

Federal Debt: Total Public Debt: Year-over-Year Growth

Year-over-year percentage change.

Fed/Fiscal Liquidity

10 charts

Federal Reserve Balance Sheet

Absolute size of the Fed balance sheet.

Federal Reserve Balance Sheet YoY

Year-over-year change in the Fed balance sheet.

Reverse Repo Facility

Overnight reverse repo usage.

Treasury General Account

Treasury cash balance at the Fed.

Bank Reserves

Reserves of depository institutions.

RRP, TGA, and Bank Reserves

RRP and TGA on the left axis; bank reserves on the right axis.

Fed Net Liquidity

Fed balance sheet less RRP and TGA.

Fed Net Liquidity YoY

Year-over-year change in net liquidity.

Fed Facilities: BTFP and Discount Window

Stress-liquidity facilities from the liquidity folder.

Currency and Monetary Base

Additional liquidity series from the Banking & Money liquidity set.

Money Supply

8 charts

M1 Money Supply

Absolute M1 money stock.

M1 Money Supply YoY

Year-over-year growth in M1.

M2 Money Supply

Absolute M2 money stock.

M2 Money Supply YoY

Year-over-year growth in M2.

M3 Money Supply

Absolute M3 money supply series.

M3 Money Supply YoY

Year-over-year growth in M3.

Money Market Fund Shares YoY

Money fund growth as a liquidity parking-lot signal.

Money Market Fund Growth and 1-Year Treasury Yield

Money-market-fund asset growth beside front-end Treasury yields.

Combined Credit Charts

14 charts

Financial Conditions and Stress

Chicago Fed NFCI and St. Louis stress index.

Corporate and High Yield Credit Spreads

Risk premia in investment-grade and high-yield credit.

KRE/SPY Ratio and 2-10 Yield Curve

Regional banks versus the broad market alongside the 2-10 Treasury spread.

Bank Credit YoY and S&P 500 YoY

Credit cycle versus equity-market momentum.

C&I Standards Inverted and Bank Credit YoY

C&I net % tightening is multiplied by -1, so higher blue means easier standards; shown against realized bank-credit growth.

C&I Standards Inverted and C&I Loans YoY

C&I net % tightening is multiplied by -1, so higher blue means easier standards; shown against business-loan growth.

Tighter Credit Standards Inverted and C&I Loans YoY

Credit-card tightening standards inverted and shifted against C&I loan growth.

Consumer Credit YoY and Fed Funds

Consumer credit growth beside policy rates.

Capex YoY and 10-Year Yield

Fixed investment growth and long rates.

Financial Conditions and Margin Balances

NFCI beside broker-dealer margin balances.

Corporate Cash and Debt Maturity Wall

Cash versus near-term debt maturities.

Loan Delinquencies

Commercial bank delinquency rates by category.

Credit Card Delinquencies: Top 100 Banks vs Other Banks

Credit-card delinquency rates by bank size cohort.

Willingness to Make Consumer Loans and Delinquencies

Consumer-loan willingness against inverted all-loan delinquency rates.

Trade and Policy

4 charts

Trade Balance and Trade Flow YoY

Goods and services trade balance above export/import growth.

Transfers as Percent of Personal Income

Government transfers as a share of personal income.

Economic Policy Uncertainty: Trade Policy

Trade-policy uncertainty index.

Global Economic Policy Uncertainty

Global economic policy uncertainty index.

FRED Library

Series fetched into the reusable local cache.

IDTitleGroupFreqLatestAs Of
DRTSCILMC&I Standards: Large and Middle-Market FirmsSLOOS Standards8.102026-04-01
DRTSCISC&I Standards: Small FirmsSLOOS Standards6.602026-04-01
DRSDCILMC&I Demand: Large and Middle-Market FirmsSLOOS Demand4.802026-04-01
DRSDCISC&I Demand: Small FirmsSLOOS Demand0.002026-04-01
DRISCFLMNet Percentage of Domestic Banks Increasing Spreads of Loan Rates Over Banks' Cost of Funds to Large and Middle-Market FirmsSLOOS TermsQ-12.902026-04-01
DRISCFSNet Percentage of Domestic Banks Increasing Spreads of Loan Rates Over Banks' Cost of Funds to Small FirmsSLOOS TermsQ-8.202026-04-01
SUBLPDRCSCNet Percentage of Domestic Banks Tightening Standards for Commercial Real Estate Loans With Construction and Land Development PurposesSLOOS CREQ4.902026-04-01
SUBLPDRCSMNet Percentage of Domestic Banks Tightening Standards for Commercial Real Estate Loans Secured by Multifamily Residential StructuresSLOOS CREQ0.002026-04-01
SUBLPDRCSNNet Percentage of Domestic Banks Tightening Standards for Commercial Real Estate Loans Secured by Nonfarm Nonresidential StructuresSLOOS CREQ-3.302026-04-01
SUBLPDRCDCNet Percentage of Domestic Banks Reporting Stronger Demand for Commercial Real Estate Loans With Construction and Land Development PurposesSLOOS CRE DemandQ-11.702026-04-01
SUBLPDRCDMNet Percentage of Domestic Banks Reporting Stronger Demand for Commercial Real Estate Loans Secured by Multifamily Residential StructuresSLOOS CRE DemandQ3.302026-04-01
SUBLPDRCDNNet Percentage of Domestic Banks Reporting Stronger Demand for Commercial Real Estate Loans Secured by Nonfarm Nonresidential StructuresSLOOS CRE DemandQ3.302026-04-01
DRTSCLCCConsumer Standards: Credit CardsSLOOS Consumer2.002026-04-01
STDSAUTOConsumer Standards: Auto LoansSLOOS Consumer-2.002026-04-01
STDSOTHCONSConsumer Standards: Other Consumer LoansSLOOS Consumer5.502026-04-01
DEMCCConsumer Demand: Credit CardsSLOOS Consumer Demand-6.002026-04-01
DEMAUTOConsumer Demand: Auto LoansSLOOS Consumer Demand-9.802026-04-01
DEMOTHCONSConsumer Demand: Other Consumer LoansSLOOS Consumer Demand-12.702026-04-01
SUBLPDCLHDNQNet Percentage of Domestic Banks Reporting Stronger Demand for HELOCsSLOOS Household DemandQ8.802026-04-01
DRIWCILNet Percentage of Domestic Banks Reporting Increased Willingness to Make Consumer Installment LoansSLOOS WillingnessQ3.402026-04-01
TOTBKCRBank Credit, All Commercial BanksBank Credit19,567.412026-05-20
LOANSLoans and Leases in Bank CreditBank Credit13,739.862026-04-01
TOTLLLoans and Leases, All Commercial BanksBank Credit13,821.332026-05-20
BUSLOANSCommercial and Industrial LoansC&I Loans2,873.662026-04-01
REALLNReal Estate LoansReal Estate Credit5,771.442026-04-01
CREACBM027SBOGCommercial Real Estate LoansReal Estate Credit3,086.502026-04-01
RREACBM027SBOGResidential Real Estate LoansReal Estate Credit2,684.942026-04-01
CONSUMERConsumer LoansConsumer Credit1,901.382026-04-01
CARACBM027SBOGAuto Loans, All Commercial BanksConsumer Credit514.232026-04-01
H8B1247NCBCMGCredit Cards and Other Revolving PlansConsumer Credit8.402026-04-01
TOTALSLTotal Consumer Credit Owned and SecuritizedConsumer Credit5,140,540.722026-03-01
BC0SCBW027NBOGSmall Bank CreditBank Credit by Size5,923.122026-05-20
CILSCBM027SBOGSmall Bank C&I LoansBank Credit by Size717.402026-04-01
CASSCBW027SBOGCash Assets: Small BanksBank Liquidity524.932026-05-20
CASLCBW027SBOGCash Assets: Large BanksBank Liquidity1,396.622026-05-20
DPSSCBW027SBOGDeposits: Small BanksDeposits5,639.402026-05-20
DPSLCBW027SBOGDeposits: Large BanksDeposits12,136.212026-05-20
TLAACBW027SBOGTotal Assets, All Commercial BanksBank Assets25,539.812026-05-20
TLALCBM027SBOGTotal Assets: Large BanksBank Assets15,040.352026-04-01
TLASCBM027SBOGTotal Assets: Small BanksBank Assets6,826.732026-04-01
TCMDOAll Sectors Debt Securities and LoansDebt107,632,484.002025-10-01
CMDEBTHousehold DebtDebt20,934,549.002025-10-01
GFDEBTNFederal Debt: Total Public DebtDebt38,514,009.002025-10-01
BOGZ1FA895050005QAll Sectors; Total Capital Expenditures, TransactionsCapexQ8,772,612.002025-10-01
BOGZ1FA106130003QNonfinancial Corporate Business; Net Interest and Miscellaneous Payments, TransactionsCorporate CreditQ203,699.002025-10-01
BOGZ1FL614090610QFinance Companies; Total Assets (Balance Sheet), LevelCorporate CreditQ2,570,468.002025-10-01
BOGZ1FL663067003QSecurity Brokers and Dealers; Receivables Due from Customers (Margin Loans and Other Receivables); Asset, LevelMarket CreditQ609,675.002025-10-01
QFRTCASHINFUSNOQuarterly Financial Report: U.S. Corporations: All Information: Total Cash on Hand and in U.S. BanksCorporate CreditQ250,644.002025-10-01
QFRD304INFUSNOQuarterly Financial Report: U.S. Corporations: All Information: Short-Term Debt, Original Maturity of 1 Year or Less: Other Short-Term Loans, Including Commercial PaperCorporate Maturity WallQ11,823.002025-10-01
QFRD313INFUSNOQuarterly Financial Report: U.S. Corporations: All Information: Current Portion of Long-Term Debt, Due in 1 Year or Less: Other Long-Term LoansCorporate Maturity WallQ87,713.002025-10-01
DRCLACBSDelinquency Rate: All Loans, All Commercial BanksDelinquencies2.642026-01-01
DRCCLACBSDelinquency Rate on Credit Card Loans, All Commercial BanksDelinquenciesQ2.922026-01-01
DRCCLT100SCredit Card Delinquency Rate: 100 Largest BanksDelinquencies2.802026-01-01
DRCCLOBSCredit Card Delinquency Rate: Banks Outside Top 100Delinquencies6.432026-01-01
DRALACBSDelinquency Rate on All Loans, All Commercial BanksDelinquenciesQ1.482026-01-01
DRSFRMACBSDelinquency Rate on Single-Family Residential Mortgages, Booked in Domestic Offices, All Commercial BanksDelinquenciesQ1.892026-01-01
DRCRELEXFACBSDelinquency Rate on Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, All Commercial BanksDelinquenciesQ1.562026-01-01
NFCIChicago Fed National Financial Conditions IndexFinancial Conditions-0.492026-05-29
STLFSI4St. Louis Fed Financial Stress IndexFinancial Conditions-0.692026-05-29
BAMLH0A0HYM2ICE BofA High Yield OASSpreads2.712026-06-02
BAMLC0A0CMICE BofA Corporate OASSpreads0.742026-06-02
WALCLFederal Reserve Balance SheetFed Liquidity6,704,383.002026-05-27
WTREGENTreasury General AccountFiscal Liquidity830,296.002026-05-27
TOTRESNSBank ReservesFed Liquidity3,018.002026-04-01
RRPONTSYDOvernight Reverse RepoFed Liquidity2.062026-06-03
H41RESPPALDKNWWBank Term Funding ProgramFed Facilities0.002026-05-06
BOGZ1FA713068703QDiscount Window BorrowingFed Facilities6,112.002025-10-01
WPCPrimary Credit: Discount WindowFed Facilities5,988.002026-05-27
CURRCIRCurrency in Circulation (DISCONTINUED)MoneyM2,415.652025-10-01
BASESt. Louis Adjusted Monetary Base (DISCONTINUED)MoneyBW3,382.802019-12-18
M1SLM1 Money StockMoney Supply19,531.802026-04-01
M2SLM2 Money StockMoney Supply22,804.502026-04-01
MABMM301USM189SM3 for United StatesMoney Supply20,767,400,000,000.002023-11-01
MMMFFAQ027SMoney Market Fund SharesMoney Markets8,190,207.002025-10-01
USRECNBER Recession IndicatorMacro Context0.002026-05-01
FEDFUNDSEffective Fed Funds RateRates3.632026-05-01
GS1010-Year Treasury YieldRates4.482026-05-01
DGS11-Year Treasury YieldRates3.822026-06-02
T10Y2Y10-Year Minus 2-Year Treasury SpreadRates0.412026-06-03
T10Y3M10-Year Minus 3-Month Treasury SpreadRates0.712026-06-03
SP500S&P 500Market ContextD7,394.302026-06-11
CPILFESLConsumer Price Index for All Urban Consumers: All Items Less Food and Energy in U.S. City AverageInflationM336.122026-05-01
KRE_SPYKRE/SPY RatioMarket Context0.092026-06-04
SPY_YFSPY ETFMarket Context753.942026-06-04
GSPC_YFS&P 500 Index from Yahoo FinanceMarket Context7,553.632026-06-04
BOPGSTBGoods and Services Trade BalanceTrade and Policy-60,307.002026-03-01
BOPTEXPExports of Goods and ServicesTrade and Policy320,859.002026-03-01
BOPTIMPImports of Goods and ServicesTrade and Policy381,165.002026-03-01
A084RC1Q027SBEAGovernment Social Benefits to PersonsTrade and Policy5,066.892026-01-01
PIPersonal IncomeTrade and Policy26,722.502026-04-01
EPUTRADEEconomic Policy Uncertainty: Trade PolicyTrade and Policy1,721.722026-04-01
GEPUCURRENTGlobal Economic Policy Uncertainty IndexTrade and Policy371.102025-11-01
EXPORTS_YOYExports YoYTrade and Policy13.322026-03-01
IMPORTS_YOYImports YoYTrade and Policy-9.032026-03-01
TRANSFERS_PIGovernment Transfers as Percent of Personal IncomeTrade and Policy19.022026-03-31