Big Five Bank Tracker
Data through Q2 2026 Updated 1 Sep 2026, 13:35 UTC Source: SEC EDGAR XBRL

Macro nowcast

The free series that mechanically drive bank earnings, published while the quarter is still running. The H.8 release reports aggregate commercial-bank balance sheets weekly — six to eight weeks before any bank reports the quarter.

Quarter to date through 2026-08-19, 49 days into Q3 2026, aggregate commercial-bank loans are +1.1% and deposits +0.5%. At the same point in Q3 2025, loans were +0.6%.

H.8 quarter to date

Loans and leases in bank credit TOTLL

Indexed to 100 at each quarter's first observation. The current quarter is highlighted; the prior four sit behind it.

Loans and leases in bank credit, current quarter indexed to 100 against the prior four quarters 100.0 100.5 101.0 101.52025Q32025Q42026Q12026Q22026Q32026Q3startmidend
  • Current quarter (Q3 2026)
  • Prior four quarters

Drives: Loan growth, and with it net interest income

Deposits, all commercial banks DPSACBW027SBOG

Indexed to 100 at each quarter's first observation. The current quarter is highlighted; the prior four sit behind it.

Deposits, all commercial banks, current quarter indexed to 100 against the prior four quarters 100.0 101.02025Q32025Q42026Q12026Q22026Q32026Q3startmidend
  • Current quarter (Q3 2026)
  • Prior four quarters

Drives: Deposit balances and funding mix

Rates, credit and mortgage

Curve and funding

10-year minus 2-year Treasury, and SOFR. Both in percent, on one axis.

Curve and funding 0.0% 2.0% 4.0%10Y−2Y spread10Y−2YSOFRSOFR
  • 10Y−2Y spread (T10Y2Y)
  • SOFR

Drives: Net interest margin, and the cost of funding

Consumer credit

Credit card delinquency rate against unemployment.

Consumer credit 2.0% 3.0% 4.0%Card delinquencyCardUnemploymentUnemp.
  • Card delinquency rate (DRCCLACBS)
  • Unemployment rate (UNRATE)

Drives: Net charge-offs — card delinquencies lead them by roughly two quarters

Mortgage

30-year fixed rate average, Freddie Mac via FRED.

30-year fixed mortgage rate 4.0% 6.0%30Y fixed30YSep 21Dec 22Feb 24May 25Aug 26

Drives: mortgage banking revenue, origination and servicing

This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis. Series are shown as published; nothing here is seasonally re-adjusted, smoothed or forecast. Quarter-to-date comparisons are taken at the same number of days into each quarter, so a part-quarter is never compared against a completed one.