Data / U.S. bank allowance for credit losses on loans and leases / United States

U.S. bank allowance for credit losses on loans and leases in United States

U.S. bank allowance for credit losses on loans and leases in the United States was $202.34 billion in September 2026, according to the Board of Governors of the Federal Reserve System. That is down 0.4% from September 2025.

September 2026, USD million202,340.8
Change on September 2025-0.4%
Series high235,849.9April 2010
Series low106,233.1June 2015

Next release: Sunday, 8 November 2026, estimated by Invokely from past publication dates (low confidence), not announced by the publisher. Release calendar

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U.S. bank allowance for credit losses on loans and leases in United States, July 2009 to September 2026

100K150K200K250K2009-072012-012014-072017-012019-072022-012024-072026-092026-09: 202,340.8 USD million100K150K200K250K2009-072015-042021-012026-092026-09: 202,340.8 USD million
USD million. Source: Federal Reserve Board, H.8 Assets and Liabilities of Commercial Banks in the United States: U.S. bank allowance for credit losses on loans and leases, seasonally adjusted monthly average, USD million (B1043NCBAM). Retrieved 2026-10-16, published 2026-10-16.
All 207 values
PeriodUSD million
2026-09202,340.8
2026-08202,129.6
2026-07201,668.5
2026-06202,545.2
2026-05202,382.9
2026-04202,154.3
2026-03200,640.7
2026-02200,152.2
2026-01200,786.5
2025-12201,968.3
2025-11202,796.7
2025-10202,473.1
2025-09203,062.1
2025-08202,885.3
2025-07202,376.7
2025-06203,219
2025-05203,037.5
2025-04202,630.5
2025-03202,132.6
2025-02201,605.2
2025-01201,847.7
2024-12202,357.3
2024-11201,741.7
2024-10201,471.1
2024-09200,748.1
2024-08200,106.9
2024-07199,471.3
2024-06199,101.2
2024-05198,749.4
2024-04199,193.7
2024-03198,403.3
2024-02198,083.8
2024-01197,494.5
2023-12194,950
2023-11192,754.7
2023-10192,373.5
2023-09190,740.7
2023-08189,773.2
2023-07188,805.7
2023-06185,217.6
2023-05183,859.2
2023-04184,046.4
2023-03178,862.1
2023-02176,756.4
2023-01175,827.5
2022-12170,010
2022-11167,326.5
2022-10166,727.4
2022-09161,372.7
2022-08160,286.1
2022-07159,726.6
2022-06158,100
2022-05157,658.1
2022-04158,336.9
2022-03161,738.7
2022-02161,675.9
2022-01161,750.3
2021-12167,283.3
2021-11167,372.4
2021-10167,610.7
2021-09175,346.4
2021-08175,943.4
2021-07176,481.2
2021-06190,870.2
2021-05194,165.2
2021-04196,527.7
2021-03213,153.2
2021-02216,373.6
2021-01217,097.1
2020-12219,022.4
2020-11218,810.5
2020-10218,939.4
2020-09220,224.1
2020-08219,483.2
2020-07217,419.4
2020-06188,438.3
2020-05180,828.1
2020-04146,091.8
2020-03116,604.4
2020-02113,963.6
2020-01112,544.9
2019-12111,296.8
2019-11111,974.2
2019-10111,846.5
2019-09111,305.1
2019-08111,179
2019-07111,166.1
2019-06111,584.5
2019-05111,835.5
2019-04112,589.2
2019-03111,690.8
2019-02111,565.1
2019-01111,430.9
2018-12110,406.3
2018-11109,831.5
2018-10110,068.8
2018-09110,199.1
2018-08110,193.3
2018-07110,430.2
2018-06111,179
2018-05111,380
2018-04111,280.6
2018-03110,526.2
2018-02110,483.7
2018-01110,393.7
2017-12110,438.5
2017-11110,158.1
2017-10109,739
2017-09108,857.2
2017-08108,572.9
2017-07108,615.2
2017-06108,362.8
2017-05108,549.3
2017-04109,362
2017-03109,838.2
2017-02109,872.8
2017-01110,005
2016-12109,866
2016-11109,544.7
2016-10109,357.4
2016-09108,481.3
2016-08108,826
2016-07109,400.1
2016-06108,415.6
2016-05108,248.5
2016-04108,599.5
2016-03106,964.9
2016-02106,869.5
2016-01106,768.6
2015-12106,683.4
2015-11106,388.3
2015-10106,393.2
2015-09106,474.3
2015-08107,193.5
2015-07106,366.6
2015-06106,233.1
2015-05106,607.8
2015-04107,241.1
2015-03107,317.7
2015-02107,883.7
2015-01108,528.3
2014-12108,987.9
2014-11110,080.9
2014-10111,246.5
2014-09112,108.8
2014-08113,201.2
2014-07114,379.5
2014-06115,588.6
2014-05116,773.1
2014-04117,757.7
2014-03119,077.8
2014-02119,895.7
2014-01120,896.7
2013-12123,943.1
2013-11125,904.1
2013-10127,381
2013-09129,647.8
2013-08131,441.1
2013-07133,279.4
2013-06135,646.6
2013-05137,718.5
2013-04139,038.3
2013-03141,174.2
2013-02143,268.6
2013-01144,660.7
2012-12146,496.1
2012-11148,818.6
2012-10150,985.3
2012-09154,390.3
2012-08156,884.2
2012-07158,492.7
2012-06160,777
2012-05162,829.6
2012-04165,487.8
2012-03168,328.1
2012-02171,050.1
2012-01173,648.6
2011-12174,520.5
2011-11175,467.1
2011-10177,771.4
2011-09179,851.2
2011-08183,158.6
2011-07185,571.4
2011-06190,251.7
2011-05194,442
2011-04197,158.6
2011-03203,444.4
2011-02206,002.3
2011-01207,647.1
2010-12210,443.4
2010-11214,363
2010-10216,769.5
2010-09222,540.8
2010-08224,653.8
2010-07225,309
2010-06230,919.4
2010-05234,458.6
2010-04235,849.9
2010-03206,918.5
2010-02200,355.1
2010-01200,350.5
2009-12198,750.6
2009-11199,333.6
2009-10195,888.7
2009-09192,077.7
2009-08190,173.8
2009-07186,338.6

Revision history

The September 2026 figure was revised once after Invokely first recorded it, from $202.28 billion to $202.34 billion.

Periods with a revised value or a changed status, newest first. Values in USD million; dates are when Invokely recorded each version (UTC).
PeriodFirst recordedLatestRevisionsStatus changesFirst recorded onLast revised on
September 2026202,281202,340.810
August 2026202,107.3202,129.610
July 2026201,647.2201,668.510
June 2026202,545.4202,545.210

Every version, with its dates and source, is available through the get_revisions tool and the /api/v1/revisions endpoint. Methodology

Definition

Seasonally adjusted monthly average balance of the allowance for credit losses on loans and leases at U.S. commercial banks, in USD million.

More on how it is measured
  • H.8 presents this accounting allowance as a positive amount deducted from loans and leases; it is not a measure of loan originations or realized charge-offs.
  • Since April 6, 2022, foreign-related institutions have not reported this allowance separately, and it is included in net due to related foreign offices, which affects the series coverage (Federal Reserve H.8, item 28 and footnote 20).

H.8 covers commercial banks in the 50 states and the District of Columbia, including domestically chartered banks, U.S. branches and agencies of foreign banks, and Edge Act and agreement corporations. It excludes International Banking Facilities, U.S. territories, savings institutions, credit unions, and consumer finance companies. The XML date is the calendar month-end label, but each monthly level is a pro rata average of estimated weekly Wednesday balances, not a month-end balance. These are balance-sheet stocks, not new lending or loan originations. Some indicators are aggregates with their components also listed, so an aggregate and its components should not be added together. Federal Reserve notes document reporting and category reclassifications that can affect levels; published H.8 growth rates adjust for major nonbank structural changes and accounting changes, while the levels shown here retain these breaks and may not be comparable across them.

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How to cite

Board of Governors of the Federal Reserve System. H.8 Assets and Liabilities of Commercial Banks in the United States: U.S. bank allowance for credit losses on loans and leases, seasonally adjusted monthly average, USD million (B1043NCBAM). https://www.federalreserve.gov/releases/h8/current/. Retrieved 2026-10-16.

Citation styles

The publisher is the author. Invokely is named only as the place the figures were read, where a style asks for it.

APA 7

Board of Governors of the Federal Reserve System. (2026). H.8 Assets and Liabilities of Commercial Banks in the United States: U.S. bank allowance for credit losses on loans and leases, seasonally adjusted monthly average, USD million (B1043NCBAM) (U.S. bank allowance for credit losses on loans and leases, United States, 2009-07 to 2026-09) [Data set]. Retrieved October 16, 2026, from https://www.federalreserve.gov/releases/h8/current/

MLA 9

H.8 Assets and Liabilities of Commercial Banks in the United States: U.S. bank allowance for credit losses on loans and leases, seasonally adjusted monthly average, USD million (B1043NCBAM), U.S. bank allowance for credit losses on loans and leases, United States, 2009-07 to 2026-09. Board of Governors of the Federal Reserve System, 16 Oct. 2026, https://www.federalreserve.gov/releases/h8/current/. Invokely, https://invokely.ai/en/us-bank-allowance-credit-losses-loans-leases/united-states. Accessed 16 Oct. 2026.

Chicago (author-date)

Board of Governors of the Federal Reserve System. 2026. H.8 Assets and Liabilities of Commercial Banks in the United States: U.S. bank allowance for credit losses on loans and leases, seasonally adjusted monthly average, USD million (B1043NCBAM). U.S. bank allowance for credit losses on loans and leases, United States, 2009-07 to 2026-09. Dataset. Accessed October 16, 2026. https://www.federalreserve.gov/releases/h8/current/. Also distributed by Invokely, https://invokely.ai/en/us-bank-allowance-credit-losses-loans-leases/united-states.

Harvard

Board of Governors of the Federal Reserve System (2026) H.8 Assets and Liabilities of Commercial Banks in the United States: U.S. bank allowance for credit losses on loans and leases, seasonally adjusted monthly average, USD million (B1043NCBAM), U.S. bank allowance for credit losses on loans and leases, United States, 2009-07 to 2026-09 [Dataset]. Available at: https://www.federalreserve.gov/releases/h8/current/, via Invokely: https://invokely.ai/en/us-bank-allowance-credit-losses-loans-leases/united-states (Accessed: 16 October 2026).

BibTeX
@misc{board_u_s_bank_allowance_2026,
  author = {{Board of Governors of the Federal Reserve System}},
  title = {{H.8 Assets and Liabilities of Commercial Banks in the United States: U.S. bank allowance for credit losses on loans and leases, seasonally adjusted monthly average, USD million (B1043NCBAM): U.S. bank allowance for credit losses on loans and leases, United States, 2009-07 to 2026-09}},
  year = {2026},
  howpublished = {Data set},
  url = {https://www.federalreserve.gov/releases/h8/current/},
  urldate = {2026-10-16},
  note = {Accessed via Invokely, https://invokely.ai/en/us-bank-allowance-credit-losses-loans-leases/united-states. Publisher attribution: Board of Governors of the Federal Reserve System. H.8 Assets and Liabilities of Commercial Banks in the United States: U.S. bank allowance for credit losses on loans and leases, seasonally adjusted monthly average, USD million (B1043NCBAM). https://www.federalreserve.gov/releases/h8/current/. Retrieved 2026-10-16.},
}
RIS
TY  - DATA
AU  - Board of Governors of the Federal Reserve System
TI  - H.8 Assets and Liabilities of Commercial Banks in the United States: U.S. bank allowance for credit losses on loans and leases, seasonally adjusted monthly average, USD million (B1043NCBAM): U.S. bank allowance for credit losses on loans and leases, United States, 2009-07 to 2026-09
PY  - 2026
DA  - 2026/10/16
PB  - Board of Governors of the Federal Reserve System
DB  - Invokely
UR  - https://www.federalreserve.gov/releases/h8/current/
L2  - https://invokely.ai/en/us-bank-allowance-credit-losses-loans-leases/united-states
Y2  - 2026/10/16
N1  - Accessed via Invokely, https://invokely.ai/en/us-bank-allowance-credit-losses-loans-leases/united-states.
N1  - Publisher attribution: Board of Governors of the Federal Reserve System. H.8 Assets and Liabilities of Commercial Banks in the United States: U.S. bank allowance for credit losses on loans and leases, seasonally adjusted monthly average, USD million (B1043NCBAM). https://www.federalreserve.gov/releases/h8/current/. Retrieved 2026-10-16.
ER  -
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Questions

What is the U.S. bank allowance for credit losses on loans and leases in United States?

U.S. bank allowance for credit losses on loans and leases in the United States was $202.34 billion in September 2026, according to the Board of Governors of the Federal Reserve System. That is down 0.4% from September 2025.

Where does this figure come from?

Board of Governors of the Federal Reserve System. H.8 Assets and Liabilities of Commercial Banks in the United States: U.S. bank allowance for credit losses on loans and leases, seasonally adjusted monthly average, USD million (B1043NCBAM). Retrieved by Invokely on 2026-10-16.

What was the highest U.S. bank allowance for credit losses on loans and leases in United States?

$235.85 billion in April 2010, the highest value since July 2009 in this series.

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