Big Five Bank Tracker
Figures through Q2 2026 Figures last changed 14 Oct 2026 Sources checked 14 Oct 2026, 17:45 UTC Source: FRED, Federal Reserve Bank of St. Louis

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 2026-09-30, 91 days into Q3 2026, aggregate commercial-bank loans are +1.9% and deposits +1.3%. At the same point in Q3 2025, loans were +1.2%.

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 100.0 100.5 101.0 101.52025Q32025Q42026Q12026Q22026Q32026Q3startmidend1 Jul 2026$13,862.3bn (100.0)8 Jul 2026$13,866.0bn (100.0)15 Jul 2026$13,908.0bn (100.3)22 Jul 2026$13,910.6bn (100.3)29 Jul 2026$13,932.9bn (100.5)5 Aug 2026$13,962.1bn (100.7)12 Aug 2026$13,990.0bn (100.9)19 Aug 2026$14,027.6bn (101.2)26 Aug 2026$14,046.2bn (101.3)2 Sep 2026$14,038.0bn (101.3)9 Sep 2026$14,072.1bn (101.5)16 Sep 2026$14,088.6bn (101.6)23 Sep 2026$14,097.3bn (101.7)30 Sep 2026$14,128.1bn (101.9)
  • Current quarter (Q3 2026)
  • Prior four quarters

Latest reading $14,128.1bn on 30 Sep 2026 · index 101.9 Hover any point on the highlighted line for its date and level.

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 100.0 101.02025Q32025Q42026Q12026Q22026Q32026Q3startmidend1 Jul 2026$19,435.0bn (100.0)8 Jul 2026$19,364.8bn (99.6)15 Jul 2026$19,469.9bn (100.2)22 Jul 2026$19,407.6bn (99.9)29 Jul 2026$19,369.5bn (99.7)5 Aug 2026$19,499.0bn (100.3)12 Aug 2026$19,537.4bn (100.5)19 Aug 2026$19,536.8bn (100.5)26 Aug 2026$19,561.8bn (100.7)2 Sep 2026$19,569.7bn (100.7)9 Sep 2026$19,661.0bn (101.2)16 Sep 2026$19,571.2bn (100.7)23 Sep 2026$19,637.6bn (101.0)30 Sep 2026$19,692.9bn (101.3)
  • Current quarter (Q3 2026)
  • Prior four quarters

Latest reading $19,692.9bn on 30 Sep 2026 · index 101.3 Hover any point on the highlighted line for its date and level.

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−2YSOFRSOFROct 21Jan 23Apr 24Jul 25Oct 2619 Oct 202110Y−2Y1.24%SOFR0.03%1 Dec 202110Y−2Y0.87%SOFR0.05%12 Jan 202210Y−2Y0.82%SOFR0.05%24 Feb 202210Y−2Y0.42%SOFR0.05%6 Apr 202210Y−2Y0.11%SOFR0.3%18 May 202210Y−2Y0.21%SOFR0.79%30 Jun 202210Y−2Y0.06%SOFR1.5%11 Aug 202210Y−2Y-0.36%SOFR2.28%22 Sep 202210Y−2Y-0.41%SOFR2.99%3 Nov 202210Y−2Y-0.57%SOFR3.8%16 Dec 202210Y−2Y-0.69%SOFR4.32%31 Jan 202310Y−2Y-0.69%SOFR4.31%14 Mar 202310Y−2Y-0.56%SOFR4.55%25 Apr 202310Y−2Y-0.46%SOFR4.8%6 Jun 202310Y−2Y-0.81%SOFR5.05%19 Jul 202310Y−2Y-0.99%SOFR5.05%29 Aug 202310Y−2Y-0.75%SOFR5.3%11 Oct 202310Y−2Y-0.41%SOFR5.31%21 Nov 202310Y−2Y-0.45%SOFR5.31%4 Jan 202410Y−2Y-0.39%SOFR5.32%15 Feb 202410Y−2Y-0.32%SOFR5.31%28 Mar 202410Y−2Y-0.39%SOFR5.34%9 May 202410Y−2Y-0.35%SOFR5.31%21 Jun 202410Y−2Y-0.45%SOFR5.31%2 Aug 202410Y−2Y-0.08%SOFR5.35%13 Sep 202410Y−2Y0.09%SOFR5.33%25 Oct 202410Y−2Y0.14%SOFR4.83%9 Dec 202410Y−2Y0.07%SOFR4.63%22 Jan 202510Y−2Y0.31%SOFR4.3%5 Mar 202510Y−2Y0.29%SOFR4.34%15 Apr 202510Y−2Y0.51%SOFR4.36%28 May 202510Y−2Y0.51%SOFR4.33%10 Jul 202510Y−2Y0.49%SOFR4.31%20 Aug 202510Y−2Y0.55%SOFR4.31%1 Oct 202510Y−2Y0.57%SOFR4.2%13 Nov 202510Y−2Y0.53%SOFR4.0%26 Dec 202510Y−2Y0.68%SOFR3.76%9 Feb 202610Y−2Y0.74%SOFR3.63%23 Mar 202610Y−2Y0.51%SOFR3.62%4 May 202610Y−2Y0.5%SOFR3.63%15 Jun 202610Y−2Y0.4%SOFR3.69%28 Jul 202610Y−2Y0.35%SOFR3.65%8 Sep 202610Y−2Y0.41%SOFR3.64%9 Oct 202610Y−2Y0.44%SOFR3.87%
  • 10Y−2Y spread (T10Y2Y)
  • SOFR

Latest reading 10Y−2Y 0.42% 13 Oct 2026 · SOFR 3.87% 9 Oct 2026 Hover anywhere on the chart to read both series at that date.

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.Nov 21Jan 23Mar 24May 25Aug 261 Jan 2022Card1.69%Unemp.4.0%1 Apr 2022Card1.83%Unemp.3.7%1 Jul 2022Card2.05%Unemp.3.5%1 Oct 2022Card2.26%Unemp.3.6%1 Jan 2023Card2.47%Unemp.3.5%1 Apr 2023Card2.75%Unemp.3.4%1 Jul 2023Card2.95%Unemp.3.5%1 Oct 2023Card3.1%Unemp.3.9%1 Jan 2024Card3.17%Unemp.3.7%1 Apr 2024Card3.22%Unemp.3.9%1 Jul 2024Card3.2%Unemp.4.2%1 Oct 2024Card3.08%Unemp.4.1%1 Jan 2025Card3.05%Unemp.4.0%1 Apr 2025Card3.04%Unemp.4.2%1 Jul 2025Card2.99%Unemp.4.3%Card 1 Oct 20252.95%Unemp. 1 Sep 20254.4%1 Jan 2026Card2.91%Unemp.4.3%1 Apr 2026Card2.85%Unemp.4.3%
  • Card delinquency rate (DRCCLACBS)
  • Unemployment rate (UNRATE)

Latest reading Card 2.85% 1 Apr 2026 · Unemp. 4.2% 1 Sep 2026 Hover anywhere on the chart to read both series at that date.

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 fixed30YOct 21Jan 23Apr 24Jul 2521 Oct 20213.09%2 Dec 20213.11%13 Jan 20223.45%24 Feb 20223.89%7 Apr 20224.72%19 May 20225.25%30 Jun 20225.7%11 Aug 20225.22%22 Sep 20226.29%3 Nov 20226.95%15 Dec 20226.31%26 Jan 20236.13%9 Mar 20236.73%20 Apr 20236.39%1 Jun 20236.79%13 Jul 20236.96%24 Aug 20237.23%5 Oct 20237.49%16 Nov 20237.44%28 Dec 20236.61%8 Feb 20246.64%21 Mar 20246.87%2 May 20247.22%13 Jun 20246.95%25 Jul 20246.78%5 Sep 20246.35%17 Oct 20246.44%27 Nov 20246.81%9 Jan 20256.93%20 Feb 20256.85%3 Apr 20256.64%15 May 20256.81%26 Jun 20256.77%7 Aug 20256.63%18 Sep 20256.26%30 Oct 20256.17%11 Dec 20256.22%22 Jan 20266.09%5 Mar 20266.0%16 Apr 20266.3%28 May 20266.53%9 Jul 20266.49%20 Aug 20266.65%1 Oct 20267.28%8 Oct 20267.4%

Latest reading 30Y fixed 7.4% 8 Oct 2026 Hover any point on the line for its date and value.

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.