H.8 Assets and Liabilities of Commercial Banks in the United States · Loans and leases, all commercial banks, seasonally adjusted, monthly average
How much have US banks lent, and for what?
The month ended : of the 16 lines, the change over a year was largest for All other loans and leases, up 16.8%, and smallest for Construction and land development, down 0.3%.
Bank loans and leases, by type, all loans and leases, each month
- Loans and leases14100.08689.1 to 14100.0
- Commercial and industrial loans2959.02064.9 to 3035.6
- Real estate loans5841.84074.8 to 5841.8
- Consumer loans1927.51334.7 to 1927.5
- All other loans and leases3371.81209.3 to 3371.8
Bank loans and leases, by type, real estate loans, each month
- Residential real estate loans2701.62145.3 to 2701.6
- Revolving home equity loans291.2246.8 to 420.1
- Closed-end residential loans2410.31727.3 to 2410.3
- Commercial real estate loans3140.21927.5 to 3140.2
- Construction and land development457.8289.2 to 489.9
- Farmland loans123.792.0 to 123.7
- Multifamily property loans641.8301.4 to 641.8
- Nonfarm nonresidential property loans1917.01244.9 to 1917.0
Bank loans and leases, by type, consumer loans, each month
- Credit cards and other revolving plans1093.2703.5 to 1093.2
- Automobile loans526.8405.4 to 526.8
- All other consumer loans307.4225.8 to 381.0
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 16 lines on this page the change was largest for All other loans and leases, up 16.8%, and smallest for Construction and land development, down 0.3%.
Of these lines, 15 rose, 1 fell and 0 did not change over the year (ours, from the published values).
By lineOver a year, ours
Bank loans and leases, by type, change over a year, by line
- All loans and leases
- Real estate loans
- Consumer loans
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 loans and leases, by type, change over a year in each month
| Line | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| Commercial and industrial loans | −3.4 | −3.3 | −2.3 | +2.5 | +4.2 | +5.6 | +7.5 | +8.0 | +8.2 | +8.3 | +9.5 | +10.0 |
| Real estate loans | +1.5 | +1.8 | +2.1 | +2.2 | +2.2 | +2.2 | +2.3 | +2.2 | +2.3 | +2.4 | +2.6 | +2.7 |
| Consumer loans | −4.3 | −3.7 | −2.4 | +2.7 | +2.7 | +3.2 | +3.8 | +3.8 | +4.1 | +5.0 | +5.1 | +5.1 |
| All other loans and leases | +33.0 | +33.4 | +30.7 | +21.8 | +22.6 | +21.8 | +20.1 | +20.2 | +19.6 | +17.1 | +16.7 | +16.8 |
| Residential real estate loans | +2.1 | +2.2 | +2.2 | +2.3 | +2.3 | +1.9 | +1.7 | +1.5 | +1.5 | +1.6 | +1.7 | +1.7 |
| Revolving home equity loans | +6.0 | +6.2 | +6.1 | +6.2 | +6.4 | +6.6 | +5.9 | +5.6 | +5.7 | +6.0 | +6.4 | +6.4 |
| Closed-end residential loans | +1.6 | +1.7 | +1.7 | +1.8 | +1.8 | +1.4 | +1.3 | +1.0 | +1.0 | +1.1 | +1.2 | +1.1 |
| Commercial real estate loans | +1.1 | +1.5 | +2.0 | +2.2 | +2.2 | +2.4 | +2.7 | +2.9 | +3.1 | +3.1 | +3.4 | +3.7 |
| Construction and land development | −4.9 | −4.8 | −4.8 | −4.5 | −4.5 | −4.4 | −3.9 | −3.2 | −3.1 | −2.0 | −0.8 | −0.3 |
| Farmland loans | +2.1 | +2.6 | +2.8 | +3.2 | +3.5 | +3.3 | +4.0 | +4.0 | +4.3 | +4.2 | +4.5 | +5.0 |
| Multifamily property loans | +3.3 | +3.6 | +4.3 | +4.3 | +4.4 | +4.3 | +4.1 | +4.1 | +4.0 | +3.3 | +3.8 | +4.5 |
| Nonfarm nonresidential property loans | +1.8 | +2.4 | +2.9 | +3.1 | +3.1 | +3.5 | +3.9 | +4.0 | +4.2 | +4.2 | +4.2 | +4.3 |
| Credit cards and other revolving plans | −2.0 | −1.5 | −0.6 | +2.3 | +2.3 | +2.8 | +4.0 | +3.9 | +4.1 | +4.2 | +3.9 | +4.0 |
| Automobile loans | +2.7 | +3.0 | +3.4 | +4.0 | +4.3 | +5.0 | +5.2 | +5.3 | +5.5 | +6.1 | +6.4 | +6.2 |
| All other consumer loans | −20.6 | −19.0 | −16.0 | +1.8 | +1.4 | +1.4 | +0.7 | +0.8 | +1.5 | +6.3 | +7.1 | +6.8 |
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 8.0 and over. Every chip prints its figure and sign.
Observed .
Understanding bank loans by type
Where it stands today
The largest change over a year was All other loans and leases, up 16.8%, 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 loans and leases that the banks hold, in total and by type: loans to businesses, real estate loans, consumer loans and all other loans and leases. The real estate loans are split into residential and commercial, and the consumer loans into credit cards and other revolving plans, automobile loans and all other consumer loans.
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. A loan counts when it is on the books of a bank, before the allowance for credit losses that the Board takes off separately.
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?16 lines, in the sections of the page
| Line | Section | Month | Value | Change over a year | Rank |
|---|---|---|---|---|---|
| Loans and leases | All loans and leases | $14,100.0 billion | +7.6% | 3 | |
| Commercial and industrial loans | All loans and leases | $2,959.0 billion | +10.0% | 2 | |
| Real estate loans | All loans and leases | $5,841.8 billion | +2.7% | 13 | |
| Consumer loans | All loans and leases | $1,927.5 billion | +5.1% | 7 | |
| All other loans and leases | All loans and leases | $3,371.8 billion | +16.8% | 1 | |
| Residential real estate loans | Real estate loans | $2,701.6 billion | +1.7% | 14 | |
| Revolving home equity loans | Real estate loans | $291.2 billion | +6.4% | 5 | |
| Closed-end residential loans | Real estate loans | $2,410.3 billion | +1.1% | 15 | |
| Commercial real estate loans | Real estate loans | $3,140.2 billion | +3.7% | 12 | |
| Construction and land development | Real estate loans | $457.8 billion | −0.3% | 16 | |
| Farmland loans | Real estate loans | $123.7 billion | +5.0% | 8 | |
| Multifamily property loans | Real estate loans | $641.8 billion | +4.5% | 9 | |
| Nonfarm nonresidential property loans | Real estate loans | $1,917.0 billion | +4.3% | 10 | |
| Credit cards and other revolving plans | Consumer loans | $1,093.2 billion | +4.0% | 11 | |
| Automobile loans | Consumer loans | $526.8 billion | +6.2% | 6 | |
| All other consumer loans | Consumer loans | $307.4 billion | +6.8% | 4 |
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 do not add up: loans and leases include every type below them, real estate loans include the residential and commercial lines, and those include the parts shown under them.
- The levels are not adjusted for breaks. When a bank is bought, a portfolio is sold or loans are reclassified, a level can jump without any new lending, 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 Board began some lines later: residential and commercial real estate loans in June 2004, the parts of commercial real estate and the automobile and all other consumer loans in January 2015. The credit card line begins in July 2000.
- 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, Loans and leases, all commercial banks, seasonally adjusted, monthly average, through September 2026. Compiled by 500metrics, "How much have US banks lent, and for what?", https://500metrics.com/bank-loans-by-type.
Can the data be downloaded?bank-loans-by-type.csv
Download the last ten years of every line as CSV: 1,936 rows, to , 128,839 bytes.
Our text and compilation: CC BY 4.0.
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