Charge-off rates of U.S. real estate loans at commercial banks 2000-2023, per quarter

Published by Statista Research Department, Mar 15, 2024

In the fourth quarter of 2023, the charge-off rate on residential real estate loans at commercial banks in the United States stood at zero percent. For commercial real estate loans, the charge-off rate was 0.26 percent.

Charge-off rates of real estate loans at commercial banks in the United States from 1st quarter 2000 to 4th quarter 2023

Characteristic	Real estate loans	Residential*	Commercial**
Q4 2023	0.13%	0%	0.26%
Q3 2023	0.06%	-0.01%	0.12%
Q2 2023	0.09%	0.01%	0.17%
Q1 2023	0.03%	-0.01%	0.07%
Q4 2022	0.01%	-0.02%	0.04%
Q3 2022	-0.01%	-0.03%	0.01%
Q2 2022	-0.01%	-0.03%	0%
Q1 2022	-0.01%	-0.02%	0%
Q4 2021	0.01%	-0.02%	0.03%
Q3 2021	-0.01%	-0.05%	0.04%
Q2 2021	0%	-0.05%	0.05%
Q1 2021	0.01%	-0.03%	0.05%
Q4 2020	0.07%	-0.02%	0.15%
Q3 2020	0.06%	-0.01%	0.13%
Q2 2020	0.04%	-0.01%	0.07%
Q1 2020	0%	-0.02%	0.02%
Q4 2019	0.02%	0.01%	0.03%
Q3 2019	-0.01%	-0.04%	0.02%
Q2 2019	-0.01%	-0.03%	0.02%
Q1 2019	0.02%	0.01%	0.03%
Q4 2018	0.01%	0%	0.02%
Q3 2018	0%	-0.02%	0.02%
Q2 2018	0%	-0.02%	0.01%
Q1 2018	0.02%	0.03%	0%
Q4 2017	0.03%	0.02%	0.04%
Q3 2017	0.03%	0.04%	0.02%
Q2 2017	0.02%	0.03%	0.01%
Q1 2017	0.04%	0.07%	0%
Q4 2016	0.05%	0.07%	0.03%
Q3 2016	0.05%	0.1%	-0.01%
Q2 2016	0.06%	0.1%	0.01%
Q1 2016	0.07%	0.14%	-0.01%
Q4 2015	0.14%	0.21%	0.05%
Q3 2015	0.09%	0.14%	0.03%
Q2 2015	0.12%	0.2%	0.04%
Q1 2015	0.17%	0.28%	0.02%
Q4 2014	0.18%	0.27%	0.08%
Q3 2014	0.18%	0.26%	0.05%
Q2 2014	0.19%	0.26%	0.09%
Q1 2014	0.23%	0.36%	0.06%
Q4 2013	0.35%	0.49%	0.19%
Q3 2013	0.37%	0.48%	0.2%
Q2 2013	0.54%	0.73%	0.3%
Q1 2013	0.67%	0.9%	0.35%
Q4 2012	0.89%	1.07%	0.67%
Q3 2012	1.28%	1.74%	0.67%
Q2 2012	1.02%	1.23%	0.76%
Q1 2012	1.1%	1.39%	0.75%
Q4 2011	1.34%	1.39%	1.35%
Q3 2011	1.38%	1.51%	1.29%
Q2 2011	1.54%	1.67%	1.44%
Q1 2011	1.58%	1.71%	1.51%
Q4 2010	2.13%	1.98%	2.51%
Q3 2010	2.04%	1.9%	2.38%
Q2 2010	2.16%	2.13%	2.37%
Q1 2010	2.27%	2.44%	2.1%
Q4 2009	2.9%	2.78%	3.27%
Q3 2009	2.4%	2.42%	2.54%
Q2 2009	2.23%	2.31%	2.27%
Q1 2009	1.55%	1.81%	1.32%
Q4 2008	1.86%	1.64%	2.26%
Q3 2008	1.45%	1.82%	1.11%
Q2 2008	1.04%	1.17%	0.94%
Q1 2008	0.66%	0.85%	0.46%
Q4 2007	0.44%	0.47%	0.43%
Q3 2007	0.21%	0.25%	0.16%
Q2 2007	0.15%	0.18%	0.12%
Q1 2007	0.11%	0.15%	0.06%
Q4 2006	0.13%	0.13%	0.13%
Q3 2006	0.07%	0.1%	0.04%
Q2 2006	0.06%	0.08%	0.04%
Q1 2006	0.06%	0.09%	0.02%
Q4 2005	0.07%	0.09%	0.05%
Q3 2005	0.06%	0.07%	0.05%
Q2 2005	0.06%	0.07%	0.05%
Q1 2005	0.06%	0.08%	0.04%
Q4 2004	0.1%	0.1%	0.09%
Q3 2004	0.08%	0.09%	0.06%
Q2 2004	0.09%	0.1%	0.07%
Q1 2004	0.1%	0.12%	0.06%
Q4 2003	0.26%	0.35%	0.13%
Q3 2003	0.14%	0.12%	0.15%
Q2 2003	0.15%	0.15%	0.13%
Q1 2003	0.12%	0.14%	0.09%
Q4 2002	0.18%	0.16%	0.2%
Q3 2002	0.15%	0.15%	0.14%
Q2 2002	0.14%	0.16%	0.12%
Q1 2002	0.15%	0.15%	0.14%
Q4 2001	0.22%	0.21%	0.21%
Q3 2001	0.3%	0.45%	0.12%
Q2 2001	0.13%	0.16%	0.08%
Q1 2001	0.11%	0.13%	0.09%
Q4 2000	0.12%	0.15%	0.08%
Q3 2000	0.09%	0.11%	0.05%
Q2 2000	0.08%	0.1%	0.04%
Q1 2000	0.07%	0.1%	0.03%

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Release date

February 2024

More information

Region

United States

Survey time period

Q1 2000 to Q4 2023

Supplementary notes

* Residential real estate loans include loans secured by one- to four-family properties, including home equity lines of credit, booked in domestic offices, only.
** Commercial real estate loans include construction and land development loans, loans secured by multifamily residences, and loans secured by nonfarm, nonresidential real estate, booked in domestic offices, only.
Quarterly figures, not seasonally adjusted.
Charge-offs, which are the value of loans removed from the books and charged against loss reserves, are measured net of recoveries as a percentage of average loans and annualized. Includes only U.S.-chartered commercial banks.

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