H.8 Assets and Liabilities of Commercial Banks in the United States · Balance sheet of all commercial banks, seasonally adjusted, monthly average
What do US banks own and owe?
The month ended : of the 15 lines, the change over a year was largest for Other liabilities, up 16.9%, and smallest for Net due to related foreign offices, down 16.2%.
Bank assets and liabilities, assets, each month
- Total assets25874.816016.9 to 25874.8
- Bank credit19883.211986.2 to 19883.2
- Securities5783.23297.1 to 5847.7
- Treasury and agency securities4783.72381.5 to 4823.8
- Other securities999.5821.0 to 1168.0
- Loans and leases14100.08689.1 to 14100.0
- Cash assets3100.81631.9 to 4171.2
- Federal funds sold and reverse repurchase agreements731.4375.1 to 908.8
Bank assets and liabilities, liabilities, each month
- Total liabilities23423.314255.2 to 23423.3
- Deposits19636.711378.5 to 19636.7
- Large time deposits2579.91402.7 to 2579.9
- Other deposits17056.89846.3 to 17056.8
- Borrowings2311.61602.2 to 2424.4
- Net due to related foreign offices385.9-151.4 to 565.2
- Other liabilities1089.2542.8 to 1089.2
Each row is one line of the page over the last ten years, one month to a point, on a scale shared by the rows of the tab, with its newest value and its range printed beside it and a dashed line at zero. A gap is a month with no value. Pointing at the chart shows the month and the value.
Observed .
Right now
Over a year to September 2026, of the 15 lines on this page the change was largest for Other liabilities, up 16.9%, and smallest for Net due to related foreign offices, down 16.2%.
Of these lines, 12 rose, 3 fell and 0 did not change over the year (ours, from the published values).
By lineOver a year, ours
Bank assets and liabilities, change over a year, by line
- Assets
- Liabilities
Each bar is the change in one line over a year, the largest first, with its rank at the left and its newest value under the figure. A line with its own page links it from its name. A change below zero runs to the left of the zero line. The colour says which section of the page a line is in.
Observed .
Bank assets and liabilities, change over a year in each month
| Line | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | +3.9 | +3.8 | +4.4 | +4.3 | +4.8 | +4.8 | +5.0 | +5.5 | +5.0 | +4.9 | +4.8 | +5.7 |
| Bank credit | +5.0 | +5.4 | +5.4 | +6.1 | +6.6 | +6.7 | +6.4 | +6.4 | +6.5 | +6.3 | +6.2 | +6.1 |
| Securities | +5.0 | +5.2 | +4.8 | +5.8 | +6.2 | +5.8 | +4.2 | +4.1 | +4.2 | +4.4 | +3.4 | +2.5 |
| Treasury and agency securities | +6.5 | +6.3 | +5.7 | +6.5 | +7.0 | +6.8 | +4.7 | +4.1 | +4.1 | +4.8 | +3.7 | +2.7 |
| Other securities | −1.6 | +0.3 | +1.1 | +2.6 | +2.6 | +1.4 | +1.8 | +3.8 | +4.4 | +2.9 | +1.8 | +1.4 |
| Loans and leases | +5.1 | +5.4 | +5.7 | +6.3 | +6.8 | +7.0 | +7.3 | +7.4 | +7.4 | +7.2 | +7.5 | +7.6 |
| Cash assets | −8.4 | −9.8 | −6.6 | −9.2 | −9.1 | −10.1 | −6.8 | −4.7 | −8.2 | −7.4 | −8.7 | −0.9 |
| Federal funds sold and reverse repurchase agreements | +19.0 | +19.6 | +19.5 | +12.5 | +11.5 | +12.9 | +8.2 | +11.2 | +9.0 | +6.7 | +7.9 | −1.2 |
| Total liabilities | +3.6 | +3.5 | +4.1 | +3.9 | +4.5 | +4.6 | +4.9 | +5.6 | +5.0 | +5.1 | +5.1 | +6.3 |
| Deposits | +3.7 | +3.7 | +4.1 | +4.1 | +4.8 | +5.1 | +5.5 | +6.3 | +6.3 | +6.2 | +6.6 | +6.7 |
| Large time deposits | +1.5 | +2.2 | +3.5 | +4.3 | +4.7 | +4.9 | +7.2 | +6.8 | +4.9 | +5.6 | +6.4 | +7.4 |
| Other deposits | +4.1 | +3.9 | +4.2 | +4.1 | +4.8 | +5.2 | +5.3 | +6.2 | +6.5 | +6.3 | +6.6 | +6.5 |
| Borrowings | −3.4 | −3.3 | −0.6 | +1.7 | +3.8 | +1.7 | +2.6 | +3.5 | +1.5 | −0.5 | −1.8 | +3.6 |
| Net due to related foreign offices | +31.2 | +32.5 | +20.9 | −5.4 | −17.6 | −17.8 | −14.6 | −23.0 | −36.9 | −28.6 | −34.5 | −16.2 |
| Other liabilities | +9.8 | +6.4 | +9.3 | +10.6 | +12.8 | +13.1 | +8.7 | +15.2 | +14.1 | +17.5 | +13.8 | +16.9 |
Each chip is one month's change from the same month a year earlier. The mark in its middle is zero: a fill to the right of it is a rise and a fill to the left a fall. A longer, brighter fill is a larger change, in five steps up to 13.8 and over. Every chip prints its figure and sign.
Observed .
Understanding bank assets and liabilities
Where it stands today
The largest change over a year was Other liabilities, up 16.9%, in September 2026.
What do the lines of this page measure?
The Federal Reserve Board's H.8 release estimates the balance sheet of all commercial banks in the United States each week. This page shows the larger lines of it. On the assets side: bank credit, which is the securities plus the loans and leases that the banks hold, the cash assets, and the federal funds the banks have sold and the securities they hold under agreements to resell. On the liabilities side: the deposits, the borrowings and the other liabilities.
Read more
Each value is the average of the Board's weekly levels, as of each Wednesday, over the month, seasonally adjusted, for all commercial banks together: the domestically chartered banks and the foreign-related institutions in the United States. The loans and leases have a page by type, and the deposits have a page of their own.
What 500metrics adds: the change over a year of every line, ranked across the page; the last ten years of every line as rows of small charts; and a table of the change over a year in each of the last twelve months.
The numbers behind the chart
What is the latest value of each line?15 lines, in the sections of the page
| Line | Section | Month | Value | Change over a year | Rank |
|---|---|---|---|---|---|
| Total assets | Assets | $25,874.8 billion | +5.7% | 8 | |
| Bank credit | Assets | $19,883.2 billion | +6.1% | 7 | |
| Securities | Assets | $5,783.2 billion | +2.5% | 11 | |
| Treasury and agency securities | Assets | $4,783.7 billion | +2.7% | 10 | |
| Other securities | Assets | $999.5 billion | +1.4% | 12 | |
| Loans and leases | Assets | $14,100.0 billion | +7.6% | 2 | |
| Cash assets | Assets | $3,100.8 billion | −0.9% | 13 | |
| Federal funds sold and reverse repurchase agreements | Assets | $731.4 billion | −1.2% | 14 | |
| Total liabilities | Liabilities | $23,423.3 billion | +6.3% | 6 | |
| Deposits | Liabilities | $19,636.7 billion | +6.7% | 4 | |
| Large time deposits | Liabilities | $2,579.9 billion | +7.4% | 3 | |
| Other deposits | Liabilities | $17,056.8 billion | +6.5% | 5 | |
| Borrowings | Liabilities | $2,311.6 billion | +3.6% | 9 | |
| Net due to related foreign offices | Liabilities | $385.9 billion | −16.2% | 15 | |
| Other liabilities | Liabilities | $1,089.2 billion | +16.9% | 1 |
The table scrolls sideways; the first column stays in place.
What do these figures leave out, and how are they cited?Limits, dates and how to cite
What this number cannot tell you
- The values are the Board's estimates. They rest on a weekly report from a panel of about 850 banks, which hold around 90 percent of commercial bank assets, and on the quarterly reports that all banks file. The Board revises past weeks and months, and the seasonal adjustment, in later releases; this page always shows the newest release.
- The lines overlap and are not all of the balance sheet. Bank credit includes the securities and the loans and leases, the securities include the Treasury and agency securities and the other securities, and the deposits include the large time deposits and the other deposits. Total assets also include the other assets and the loans to commercial banks, less the allowance for credit losses, which this page does not show.
- The levels are not adjusted for breaks. When a bank is bought, a portfolio is sold or items are reclassified, a level can jump without any new business, and the change over a year includes the jump. The Board's own growth rates are adjusted for such breaks and are not on this page.
- The data cover the domestic offices of commercial banks and the US offices of foreign-related institutions. Foreign offices, thrifts, savings institutions, credit unions and finance companies are not in them.
- The changes and the ranks are ours, worked out from the values the Board publishes; a change is in percent.
Observed . Checked .
How to cite this
Federal Reserve Board, H.8 Assets and Liabilities of Commercial Banks in the United States, Balance sheet of all commercial banks, seasonally adjusted, monthly average, through September 2026. Compiled by 500metrics, "What do US banks own and owe?", https://500metrics.com/bank-balance-sheet.
Can the data be downloaded?bank-balance-sheet.csv
Download the last ten years of every line as CSV: 1,815 rows, to , 93,416 bytes.
Our text and compilation: CC BY 4.0.
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