Data / Borrowings of U.S. commercial banks / United States

Borrowings of U.S. commercial banks in United States

Borrowings of U.S. commercial banks in the United States was $2.31 trillion in September 2026, according to the Board of Governors of the Federal Reserve System. That is up 3.6% from September 2025.

September 2026, USD million2,311,188.9
Change on September 2025+3.6%
Series high2,955,493November 2008
Series low19,848.3October 1976

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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Borrowings of U.S. commercial banks in United States, October 1976 to September 2026

01M2M3M1976-101983-121991-021998-042005-062012-082019-102026-092026-09: 2,311,188.9 USD million01M2M3M1976-101993-062010-022026-092026-09: 2,311,188.9 USD million
USD million. Source: Federal Reserve Board, H.8 Assets and Liabilities of Commercial Banks in the United States: Borrowings of U.S. commercial banks, seasonally adjusted monthly average, USD million (B3094NCBAM). Retrieved 2026-10-16, published 2026-10-16.
All 600 values
PeriodUSD million
2026-092,311,188.9
2026-082,252,952.6
2026-072,312,552.8
2026-062,292,024.9
2026-052,307,339.6
2026-042,252,488
2026-032,232,691.3
2026-022,246,361.9
2026-012,212,981.3
2025-122,162,066.5
2025-112,144,831.3
2025-102,181,344
2025-092,231,152.9
2025-082,294,804.5
2025-072,326,027.9
2025-062,258,791.2
2025-052,229,932.2
2025-042,194,761.7
2025-032,194,428
2025-022,164,788.9
2025-012,175,437
2024-122,175,186.4
2024-112,217,024.7
2024-102,258,333.7
2024-092,277,590.5
2024-082,314,216
2024-072,316,769.2
2024-062,352,611.1
2024-052,347,318.9
2024-042,409,073.5
2024-032,397,288.2
2024-022,421,320.7
2024-012,421,484.5
2023-122,403,477.3
2023-112,353,260.1
2023-102,372,611.8
2023-092,326,122.3
2023-082,245,246.9
2023-072,259,437.7
2023-062,338,869.5
2023-052,390,746.9
2023-042,424,434.8
2023-032,341,870.6
2023-021,958,997.6
2023-011,922,040.2
2022-121,896,473.8
2022-111,835,820.6
2022-101,768,281.4
2022-091,736,527.5
2022-081,669,690.8
2022-071,675,829.1
2022-061,626,725.1
2022-051,605,750.5
2022-041,602,163.8
2022-031,627,778.1
2022-021,627,878.1
2022-011,648,079
2021-121,683,155
2021-111,722,793.6
2021-101,702,634.6
2021-091,680,536.8
2021-081,673,134.1
2021-071,657,571.5
2021-061,629,534.1
2021-051,682,667.1
2021-041,732,795.7
2021-031,708,422.2
2021-021,703,978.9
2021-011,657,264.8
2020-121,703,119.8
2020-111,722,493.4
2020-101,745,723.2
2020-091,761,809.5
2020-081,800,187.4
2020-071,801,843.6
2020-061,842,269.7
2020-052,012,917.7
2020-042,204,253.6
2020-032,178,802.8
2020-021,962,210.1
2020-011,964,713.3
2019-121,987,576.6
2019-111,974,621.4
2019-101,977,132.2
2019-092,003,667.7
2019-082,006,419.1
2019-072,002,653.2
2019-061,983,559.8
2019-051,971,873.3
2019-041,973,483.6
2019-031,956,421.4
2019-021,962,652.3
2019-011,977,166.8
2018-121,970,109.9
2018-111,980,723.4
2018-101,982,301.6
2018-091,962,535.4
2018-081,964,647.8
2018-072,006,072.6
2018-062,035,886.8
2018-052,039,202.2
2018-042,024,199.4
2018-032,059,469.4
2018-022,126,716.9
2018-012,115,178.9
2017-122,105,217.5
2017-112,072,076.3
2017-102,046,443.9
2017-092,055,503
2017-082,061,001.2
2017-072,006,569.7
2017-061,972,909.4
2017-051,971,800.6
2017-041,975,031
2017-031,981,034.1
2017-022,008,156.3
2017-011,971,265.9
2016-121,975,129.1
2016-111,975,687
2016-101,984,737.3
2016-091,992,216.8
2016-081,992,365.4
2016-071,988,222.2
2016-061,968,321.8
2016-051,977,856.1
2016-041,960,982
2016-031,952,671.4
2016-021,935,967.4
2016-011,906,534.8
2015-121,899,246
2015-111,897,907.3
2015-101,893,454.5
2015-091,805,714.4
2015-081,839,389.8
2015-071,836,756.1
2015-061,837,333
2015-051,837,174.3
2015-041,832,847.2
2015-031,817,375.7
2015-021,782,321.1
2015-011,795,682.2
2014-121,778,260.1
2014-111,770,708.7
2014-101,771,706.6
2014-091,744,883.4
2014-081,726,490.7
2014-071,714,827.3
2014-061,694,898.7
2014-051,640,608.9
2014-041,621,249
2014-031,593,547.3
2014-021,550,161.5
2014-011,549,787.7
2013-121,537,894.4
2013-111,541,835.2
2013-101,532,095.7
2013-091,520,008.1
2013-081,514,701.6
2013-071,509,663.6
2013-061,525,976.1
2013-051,537,388.5
2013-041,539,783.3
2013-031,553,242
2013-021,566,184.7
2013-011,563,129.7
2012-121,549,241.9
2012-111,540,591.4
2012-101,552,360.3
2012-091,564,108.8
2012-081,557,023.8
2012-071,568,021.4
2012-061,573,109.5
2012-051,576,183.3
2012-041,565,552.4
2012-031,567,063
2012-021,583,534.8
2012-011,577,562
2011-121,615,027.3
2011-111,606,653.6
2011-101,596,775.1
2011-091,618,587
2011-081,645,456.2
2011-071,653,775.1
2011-061,678,728.9
2011-051,674,500.2
2011-041,733,932.9
2011-031,781,535.4
2011-021,784,490.3
2011-011,784,013.8
2010-121,882,486.9
2010-111,881,927.4
2010-101,928,439.2
2010-091,933,663.3
2010-081,962,988.1
2010-071,959,547.5
2010-061,994,700.7
2010-052,040,024.1
2010-042,111,025.7
2010-031,858,540.2
2010-021,835,146.5
2010-011,871,423
2009-122,256,807.5
2009-112,302,044.8
2009-102,339,129.7
2009-092,402,442.6
2009-082,491,940.5
2009-072,591,620.9
2009-062,711,986.3
2009-052,768,847.6
2009-042,769,282.6
2009-032,798,760.3
2009-022,777,843.7
2009-012,771,454.2
2008-122,834,104.8
2008-112,955,493
2008-102,954,624.7
2008-092,695,340.7
2008-082,621,807.8
2008-072,624,522.5
2008-062,600,564.6
2008-052,603,541.6
2008-042,574,647.9
2008-032,563,667.6
2008-022,528,032.7
2008-012,505,198.7
2007-122,502,110.8
2007-112,452,055.4
2007-102,416,825.2
2007-092,440,394.4
2007-082,399,994
2007-072,349,308.8
2007-062,306,851.4
2007-052,256,990.3
2007-042,273,895.9
2007-032,256,209.1
2007-022,249,214.4
2007-012,241,184.7
2006-122,218,558.1
2006-112,194,905.1
2006-102,164,244.8
2006-092,093,508.4
2006-082,034,664.5
2006-072,047,642.1
2006-062,064,132.8
2006-052,053,080.4
2006-042,019,250.7
2006-032,023,555.6
2006-022,021,854
2006-011,997,352.3
2005-121,961,423
2005-111,907,033
2005-101,888,926.9
2005-091,896,612.4
2005-081,897,449.7
2005-071,864,489.6
2005-061,849,426.2
2005-051,862,322.7
2005-041,847,402.9
2005-031,843,421
2005-021,820,339.8
2005-011,810,500.9
2004-121,812,810.2
2004-111,840,787.2
2004-101,855,501.8
2004-091,855,498.6
2004-081,838,979.4
2004-071,863,015.7
2004-061,825,919.3
2004-051,780,256.9
2004-041,805,435.9
2004-031,785,796.9
2004-021,809,821.7
2004-011,753,396.3
2003-121,686,380.7
2003-111,659,045.2
2003-101,666,496.2
2003-091,671,587.6
2003-081,719,083.7
2003-071,728,254.4
2003-061,699,959.5
2003-051,670,034.8
2003-041,644,195.4
2003-031,643,724.8
2003-021,605,378.8
2003-011,581,149.4
2002-121,623,753.5
2002-111,596,661.2
2002-101,560,664.5
2002-091,533,154.2
2002-081,510,899.6
2002-071,453,687.1
2002-061,445,451.4
2002-051,452,078.5
2002-041,435,994.3
2002-031,441,221.4
2002-021,465,312.9
2002-011,474,727.1
2001-121,469,333.1
2001-111,467,700.2
2001-101,481,417.9
2001-091,504,597.3
2001-081,456,422
2001-071,454,056.6
2001-061,433,501
2001-051,452,981.9
2001-041,483,001.9
2001-031,465,027.2
2001-021,463,237.9
2001-011,468,189.9
2000-121,434,757.9
2000-111,396,367
2000-101,404,754.2
2000-091,420,011.5
2000-081,425,323.7
2000-071,426,778.1
2000-061,410,268.9
2000-051,412,110.2
2000-041,392,597.3
2000-031,383,360.2
2000-021,364,727.9
2000-011,362,445.3
1999-121,342,376.4
1999-111,280,459
1999-101,276,036.6
1999-091,273,865.9
1999-081,260,358.2
1999-071,250,358.9
1999-061,239,704.5
1999-051,207,823.3
1999-041,181,511.4
1999-031,191,398.5
1999-021,186,633.7
1999-011,176,022.4
1998-121,177,721.4
1998-111,167,897.7
1998-101,149,545.8
1998-091,114,155.6
1998-081,096,750.7
1998-071,085,241.8
1998-061,079,238.4
1998-051,060,437.9
1998-041,059,000.7
1998-031,044,753.3
1998-021,013,176.7
1998-011,004,681.1
1997-12998,135.6
1997-11982,785.9
1997-10981,529.3
1997-09960,445.6
1997-08952,458
1997-07925,503.7
1997-06914,467
1997-05925,335.1
1997-04913,007.1
1997-03889,692.4
1997-02873,975.1
1997-01854,120.8
1996-12837,036.6
1996-11825,732.1
1996-10821,426.2
1996-09814,165.4
1996-08804,501.1
1996-07795,494.6
1996-06790,711.8
1996-05784,302.3
1996-04776,041.1
1996-03750,273.4
1996-02705,883
1996-01664,761.5
1995-12646,193.8
1995-11634,781.2
1995-10641,203.1
1995-09643,801.5
1995-08645,075.4
1995-07650,242.1
1995-06631,896.9
1995-05625,295.6
1995-04610,445.5
1995-03601,164.4
1995-02603,361.9
1995-01595,976.8
1994-12584,678.1
1994-11572,515.8
1994-10560,344.5
1994-09556,416.6
1994-08556,792.4
1994-07550,739.3
1994-06538,228.5
1994-05527,789.5
1994-04519,427.5
1994-03510,517.1
1994-02504,689
1994-01502,393.4
1993-12498,602.8
1993-11488,873.9
1993-10487,674.2
1993-09490,549.2
1993-08486,580
1993-07490,697.5
1993-06478,692.4
1993-05463,164.5
1993-04452,727.7
1993-03463,925.2
1993-02458,433.2
1993-01459,061.9
1992-12467,714.7
1992-11464,549.3
1992-10459,389.3
1992-09466,374.4
1992-08463,902.2
1992-07455,617.7
1992-06464,782.3
1992-05461,477.3
1992-04469,828.6
1992-03474,763.7
1992-02479,475.2
1992-01478,012
1991-12465,845
1991-11462,751.6
1991-10460,799.9
1991-09453,645.5
1991-08449,721.9
1991-07447,313.8
1991-06453,283.5
1991-05457,717.5
1991-04466,037.1
1991-03472,401.6
1991-02482,935
1991-01493,006.1
1990-12525,918.5
1990-11546,105.7
1990-10536,894.2
1990-09544,150
1990-08562,274.4
1990-07538,268.2
1990-06533,750.6
1990-05521,424.8
1990-04527,964.6
1990-03525,814.9
1990-02510,934.7
1990-01514,753
1989-12515,314.5
1989-11511,263.1
1989-10503,602.6
1989-09497,497.2
1989-08501,565.3
1989-07493,393.3
1989-06486,720.9
1989-05488,559.4
1989-04465,167.8
1989-03467,787.8
1989-02469,528.4
1989-01461,065.4
1988-12457,754.8
1988-11452,026.4
1988-10454,014.1
1988-09452,843.5
1988-08446,811.9
1988-07455,092.9
1988-06454,072.9
1988-05447,445.4
1988-04444,307.9
1988-03433,980.3
1988-02421,778.4
1988-01417,717.2
1987-12408,632.9
1987-11409,676
1987-10410,124.2
1987-09405,247.8
1987-08406,579
1987-07400,962.6
1987-06400,767.2
1987-05404,224
1987-04397,035.4
1987-03392,184.7
1987-02396,333.4
1987-01405,264.1
1986-12391,243
1986-11377,162.3
1986-10368,187.4
1986-09376,793.1
1986-08370,573.9
1986-07359,495.6
1986-06349,822.3
1986-05349,093.2
1986-04351,234.6
1986-03347,821.3
1986-02338,538.6
1986-01339,889.7
1985-12347,158.4
1985-11328,810.3
1985-10299,798.9
1985-09306,554.1
1985-08302,151.6
1985-07305,257
1985-06302,308.9
1985-05295,189.7
1985-04282,199.9
1985-03301,571.5
1985-02308,254
1985-01307,870.2
1984-12315,236.6
1984-11317,224.4
1984-10308,691
1984-09313,733.5
1984-08312,154.8
1984-07303,026.5
1984-06305,920
1984-05301,498.3
1984-04298,767.5
1984-03294,235.6
1984-02294,595.4
1984-01292,280.4
1983-12280,846.2
1983-11286,183.2
1983-10296,977.8
1983-09284,530.1
1983-08283,396.6
1983-07287,372.6
1983-06277,418.9
1983-05279,085.2
1983-04278,775.3
1983-03279,266
1983-02277,517.9
1983-01286,740.3
1982-12280,613.1
1982-11274,664
1982-10277,839.9
1982-09273,943.4
1982-08271,747.5
1982-07264,529.2
1982-06263,322
1982-05266,132.1
1982-04264,741.6
1982-03267,438.8
1982-02262,687.9
1982-01257,525.4
1981-12254,827.1
1981-11253,964.8
1981-10240,372.1
1981-09236,014.8
1981-08226,666.3
1981-07226,316.9
1981-06229,410.4
1981-05223,095.5
1981-04228,266.7
1981-03220,646.5
1981-02214,076.5
1981-01212,901.3
1980-12211,512.4
1980-11209,988
1980-10208,053.6
1980-09206,838.2
1980-08206,289.3
1980-07201,973.7
1980-06195,560.8
1980-05190,863.1
1980-04183,698.8
1980-03179,851.6
1980-02182,317
1980-01177,992.2
1979-12176,016.2
1979-11169,014.6
1979-10173,780.7
1979-09174,291.8
1979-08168,103.4
1979-07164,553
1979-06158,996.2
1979-05152,293.3
1979-04146,754.7
1979-03142,462.8
1979-02137,891.8
1979-01136,239.1
1978-1253,349.1
1978-1138,716.7
1978-1037,466.3
1978-0935,571.4
1978-0835,016.6
1978-0735,110.2
1978-0635,247.1
1978-0534,858.5
1978-0431,520.2
1978-0330,720.2
1978-0229,175.9
1978-0129,009.3
1977-1229,032
1977-1126,674.2
1977-1025,742.6
1977-0925,470.1
1977-0824,916.9
1977-0724,644.9
1977-0625,088.2
1977-0524,329.5
1977-0423,609.6
1977-0323,344.2
1977-0222,305.3
1977-0122,278.8
1976-1222,410.7
1976-1120,438.5
1976-1019,848.3

Revision history

The September 2026 figure was revised once after Invokely first recorded it and still reads $2.31 trillion.

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 20262,311,397.92,311,188.910
August 20262,253,0882,252,952.610
July 20262,312,098.42,312,552.810
June 20262,291,922.62,292,024.910

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 borrowings reported by commercial banks in the United States, in USD million. Borrowings are an H.8 liability item shown separately from deposits and other liabilities (Federal Reserve H.8, item 37).

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: Borrowings of U.S. commercial banks, seasonally adjusted monthly average, USD million (B3094NCBAM). 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: Borrowings of U.S. commercial banks, seasonally adjusted monthly average, USD million (B3094NCBAM) (Borrowings of U.S. commercial banks, United States, 1976-10 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: Borrowings of U.S. commercial banks, seasonally adjusted monthly average, USD million (B3094NCBAM), Borrowings of U.S. commercial banks, United States, 1976-10 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-commercial-bank-borrowings/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: Borrowings of U.S. commercial banks, seasonally adjusted monthly average, USD million (B3094NCBAM). Borrowings of U.S. commercial banks, United States, 1976-10 to 2026-09. Dataset. Accessed October 16, 2026. https://www.federalreserve.gov/releases/h8/current/. Also distributed by Invokely, https://invokely.ai/en/us-commercial-bank-borrowings/united-states.

Harvard

Board of Governors of the Federal Reserve System (2026) H.8 Assets and Liabilities of Commercial Banks in the United States: Borrowings of U.S. commercial banks, seasonally adjusted monthly average, USD million (B3094NCBAM), Borrowings of U.S. commercial banks, United States, 1976-10 to 2026-09 [Dataset]. Available at: https://www.federalreserve.gov/releases/h8/current/, via Invokely: https://invokely.ai/en/us-commercial-bank-borrowings/united-states (Accessed: 16 October 2026).

BibTeX
@misc{board_borrowings_of_u_s_2026,
  author = {{Board of Governors of the Federal Reserve System}},
  title = {{H.8 Assets and Liabilities of Commercial Banks in the United States: Borrowings of U.S. commercial banks, seasonally adjusted monthly average, USD million (B3094NCBAM): Borrowings of U.S. commercial banks, United States, 1976-10 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-commercial-bank-borrowings/united-states. Publisher attribution: Board of Governors of the Federal Reserve System. H.8 Assets and Liabilities of Commercial Banks in the United States: Borrowings of U.S. commercial banks, seasonally adjusted monthly average, USD million (B3094NCBAM). 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: Borrowings of U.S. commercial banks, seasonally adjusted monthly average, USD million (B3094NCBAM): Borrowings of U.S. commercial banks, United States, 1976-10 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-commercial-bank-borrowings/united-states
Y2  - 2026/10/16
N1  - Accessed via Invokely, https://invokely.ai/en/us-commercial-bank-borrowings/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: Borrowings of U.S. commercial banks, seasonally adjusted monthly average, USD million (B3094NCBAM). https://www.federalreserve.gov/releases/h8/current/. Retrieved 2026-10-16.
ER  -
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Questions

What is the borrowings of U.S. commercial banks in United States?

Borrowings of U.S. commercial banks in the United States was $2.31 trillion in September 2026, according to the Board of Governors of the Federal Reserve System. That is up 3.6% 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: Borrowings of U.S. commercial banks, seasonally adjusted monthly average, USD million (B3094NCBAM). Retrieved by Invokely on 2026-10-16.

What was the highest borrowings of U.S. commercial banks in United States?

$2.96 trillion in November 2008, the highest value since October 1976 in this series.

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