Quarterly

F4.t Loans

The Financial Accounts (formerly known as the Flow of Funds accounts) are a set of financial accounts used to track the sources and uses of funds by sector. They are a component of a system of macroeconomic accounts including the National Income and Product accounts (NIPA) and balance of payments accounts, all of which serve as a comprehensive set of information on the economy’s performance.(1) Some important inferences that can be drawn from the Financial accounts are the financial strength of a given sector, new economic trends, changes in the composition of wealth, and development of new financial instruments over time.(1)
Sectors are compiled into three categories: households, nonfinancial businesses, and banks. The sources of funds for a sector are its internal funds (savings from income after consumption) and external funds (loans from banks and other financial intermediaries). (1) Funds for a given sector are used for its investments in physical and financial assets. Dividing sources and uses of funds into two categories helps the staff of the Federal Reserve System pay particular attention to external sources of funds and financial uses of funds.(2) One example is whether households are borrowing more from banks—or in other words, whether household debt is rising. Another example might be whether banks are using more of their funds to provide loans to consumers. Transactions within a sector are not shown in the accounts; however, transactions between sectors are.(2) Monitoring the external flows of funds provides insights into a sector’s health and the performance of the economy as a whole.
Data for the Financial accounts are compiled from a large number of reports and publications, including regulatory reports such as those submitted by banks, tax filings, and surveys conducted by the Federal Reserve System.(2) The Financial accounts are published quarterly as a set of tables in the Federal Reserve’s Z.1 statistical release.
(1) Teplin, Albert M. “The U.S. Flow of Funds Accounts and Their Uses.” Federal Reserve Bulletin, July 2001; http://www.federalreserve.gov/pubs/bulletin/2001/0701lead.pdf.
(2) Board of Governors of the Federal Reserve System. “Guide to the Flow of Funds Accounts.” 2000, http://www.federalreserve.gov/apps/fof/.

For questions on the data, please contact the data source: https://www.federalreserve.gov/apps/ContactUs/feedback.aspx?refurl=/releases/z1/%
For questions on FRED functionality, please contact: https://fred.stlouisfed.org/contactus/
To easily map the Board series IDs to FRED series IDs, see the DDP-FRED Crosswalk available at: https://www.federalreserve.gov/data/data-download-fred-information.htm

   

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    Q4 1946    
 
 
    Q2 2026
Line Name Period Value Preceding
Period 		Year Ago
from Period 		Units
By instrument
line 1
Net change in total loans 		. . Millions of U.S. Dollars . Millions of U.S. Dollars . Millions of U.S. Dollars Mil. of U.S. $
line 2
Depository institution loans n.e.c. 		Q2 2026 710,839 Millions of U.S. Dollars 969,561 Millions of U.S. Dollars 814,844 Millions of U.S. Dollars Mil. of U.S. $
line 3
Other loans and advances 		Q2 2026 1,540,312 Millions of U.S. Dollars 1,211,423 Millions of U.S. Dollars 338,945 Millions of U.S. Dollars Mil. of U.S. $
line 4
Mortgages 		Q2 2026 856,049 Millions of U.S. Dollars 586,812 Millions of U.S. Dollars 760,871 Millions of U.S. Dollars Mil. of U.S. $
line 5
Home 		Q2 2026 654,028 Millions of U.S. Dollars 305,172 Millions of U.S. Dollars 520,746 Millions of U.S. Dollars Mil. of U.S. $
line 6
Multifamily residential 		Q2 2026 81,605 Millions of U.S. Dollars 97,088 Millions of U.S. Dollars 94,096 Millions of U.S. Dollars Mil. of U.S. $
line 7
Commercial 		Q2 2026 102,764 Millions of U.S. Dollars 167,096 Millions of U.S. Dollars 132,069 Millions of U.S. Dollars Mil. of U.S. $
line 8
Farm 		Q2 2026 17,652 Millions of U.S. Dollars 17,456 Millions of U.S. Dollars 13,960 Millions of U.S. Dollars Mil. of U.S. $
line 9
Consumer credit 		Q2 2026 146,852 Millions of U.S. Dollars 130,432 Millions of U.S. Dollars 142,258 Millions of U.S. Dollars Mil. of U.S. $
By sector
line 10
Net change in liabilities 		. . Millions of U.S. Dollars . Millions of U.S. Dollars . Millions of U.S. Dollars Mil. of U.S. $
line 11
Domestic nonfinancial sectors 		Q2 2026 2,138,855 Millions of U.S. Dollars 1,838,179 Millions of U.S. Dollars 1,297,810 Millions of U.S. Dollars Mil. of U.S. $
line 12
Household sector 		Q2 2026 1,036,736 Millions of U.S. Dollars 719,824 Millions of U.S. Dollars 798,944 Millions of U.S. Dollars Mil. of U.S. $
line 13
Nonfinancial corporate business 		. . Millions of U.S. Dollars . Millions of U.S. Dollars . Millions of U.S. Dollars Mil. of U.S. $
line 14
Nonfinancial noncorporate business 		. . Millions of U.S. Dollars . Millions of U.S. Dollars . Millions of U.S. Dollars Mil. of U.S. $
line 15
Federal government 		. . Millions of U.S. Dollars . Millions of U.S. Dollars . Millions of U.S. Dollars Mil. of U.S. $
line 16
State and local governments 		Q2 2026 760 Millions of U.S. Dollars 456 Millions of U.S. Dollars 808 Millions of U.S. Dollars Mil. of U.S. $
line 17
Domestic financial sectors 		. . Millions of U.S. Dollars . Millions of U.S. Dollars . Millions of U.S. Dollars Mil. of U.S. $
line 18
U.S.-chartered depository institutions 		Q2 2026 147,149 Millions of U.S. Dollars 263,249 Millions of U.S. Dollars -3,712 Millions of U.S. Dollars Mil. of U.S. $
line 19
Credit unions 		Q2 2026 13,380 Millions of U.S. Dollars -25,072 Millions of U.S. Dollars 14,832 Millions of U.S. Dollars Mil. of U.S. $
line 20
Property-casualty insurance companies 		Q2 2026 2,824 Millions of U.S. Dollars 2,020 Millions of U.S. Dollars 1,736 Millions of U.S. Dollars Mil. of U.S. $
line 21
Life insurance companies 		Q2 2026 15,052 Millions of U.S. Dollars 79,992 Millions of U.S. Dollars 39,576 Millions of U.S. Dollars Mil. of U.S. $
line 22
Government-sponsored enterprises 		Q2 2026 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars Mil. of U.S. $
line 23
Finance companies 		Q2 2026 23,760 Millions of U.S. Dollars 78,464 Millions of U.S. Dollars -10,144 Millions of U.S. Dollars Mil. of U.S. $
line 24
REITs 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 25
Brokers and dealers 		. . Millions of U.S. Dollars . Millions of U.S. Dollars . Millions of U.S. Dollars Mil. of U.S. $
line 26
Funding corporations 		Q2 2026 36,104 Millions of U.S. Dollars 62,896 Millions of U.S. Dollars 159,240 Millions of U.S. Dollars Mil. of U.S. $
line 27
Rest of the world 		. . Millions of U.S. Dollars . Millions of U.S. Dollars . Millions of U.S. Dollars Mil. of U.S. $
line 28
Net change in assets 		. . Millions of U.S. Dollars . Millions of U.S. Dollars . Millions of U.S. Dollars Mil. of U.S. $
line 29
Domestic nonfinancial sectors 		Q2 2026 34,677 Millions of U.S. Dollars 534,613 Millions of U.S. Dollars 280,512 Millions of U.S. Dollars Mil. of U.S. $
line 30
Household sector 		Q2 2026 -184,333 Millions of U.S. Dollars 307,609 Millions of U.S. Dollars 73,804 Millions of U.S. Dollars Mil. of U.S. $
line 31
Nonfinancial corporate business 		. . Millions of U.S. Dollars . Millions of U.S. Dollars . Millions of U.S. Dollars Mil. of U.S. $
line 32
Nonfinancial noncorporate business 		Q2 2026 3,856 Millions of U.S. Dollars 6,748 Millions of U.S. Dollars 4,472 Millions of U.S. Dollars Mil. of U.S. $
line 33
Federal government 		. . Millions of U.S. Dollars . Millions of U.S. Dollars . Millions of U.S. Dollars Mil. of U.S. $
line 34
State and local governments 		Q2 2026 116 Millions of U.S. Dollars 116 Millions of U.S. Dollars 14,364 Millions of U.S. Dollars Mil. of U.S. $
line 35
Domestic financial sectors 		. . Millions of U.S. Dollars . Millions of U.S. Dollars . Millions of U.S. Dollars Mil. of U.S. $
line 36
Monetary authority 		Q2 2026 -76 Millions of U.S. Dollars -228 Millions of U.S. Dollars -2,292 Millions of U.S. Dollars Mil. of U.S. $
line 37
U.S.-chartered depository institutions 		. . Millions of U.S. Dollars . Millions of U.S. Dollars . Millions of U.S. Dollars Mil. of U.S. $
line 38
Foreign banking offices in U.S. 		. . Millions of U.S. Dollars . Millions of U.S. Dollars . Millions of U.S. Dollars Mil. of U.S. $
line 39
Banks in U.S.-affiliated areas 		Q2 2026 11,368 Millions of U.S. Dollars -7,564 Millions of U.S. Dollars -1,372 Millions of U.S. Dollars Mil. of U.S. $
line 40
Credit unions 		Q2 2026 120,173 Millions of U.S. Dollars 79,559 Millions of U.S. Dollars 98,352 Millions of U.S. Dollars Mil. of U.S. $
line 41
Property-casualty insurance companies 		Q2 2026 1,168 Millions of U.S. Dollars 948 Millions of U.S. Dollars 3,684 Millions of U.S. Dollars Mil. of U.S. $
line 42
Life insurance companies 		. . Millions of U.S. Dollars . Millions of U.S. Dollars . Millions of U.S. Dollars Mil. of U.S. $
line 43
Private pension funds 		Q2 2026 -1,036 Millions of U.S. Dollars -6,180 Millions of U.S. Dollars -976 Millions of U.S. Dollars Mil. of U.S. $
line 44
Federal government retirement funds 		Q2 2026 0 Millions of U.S. Dollars 0 Millions of U.S. Dollars 113,308 Millions of U.S. Dollars Mil. of U.S. $
line 45
State and local govt. retirement funds 		Q2 2026 -4 Millions of U.S. Dollars 832 Millions of U.S. Dollars 680 Millions of U.S. Dollars Mil. of U.S. $
line 46
Mutual funds 		Q2 2026 9,812 Millions of U.S. Dollars -31,688 Millions of U.S. Dollars -24,916 Millions of U.S. Dollars Mil. of U.S. $
line 47
Government-sponsored enterprises 		Q2 2026 449,229 Millions of U.S. Dollars 390,365 Millions of U.S. Dollars 171,275 Millions of U.S. Dollars Mil. of U.S. $
line 48
Agency- and GSE-backed mortgage pools 		Q2 2026 207,104 Millions of U.S. Dollars 103,500 Millions of U.S. Dollars 201,081 Millions of U.S. Dollars Mil. of U.S. $
line 49
ABS issuers 		Q2 2026 210,029 Millions of U.S. Dollars 100,951 Millions of U.S. Dollars 140,108 Millions of U.S. Dollars Mil. of U.S. $
line 50
Finance companies 		Q2 2026 27,929 Millions of U.S. Dollars -100,521 Millions of U.S. Dollars 17,868 Millions of U.S. Dollars Mil. of U.S. $
line 51
REITs 		. . Millions of Dollars . Millions of Dollars . Millions of Dollars Mil. of $
line 52
Brokers and dealers 		Q2 2026 647,008 Millions of U.S. Dollars 136,684 Millions of U.S. Dollars 301,396 Millions of U.S. Dollars Mil. of U.S. $
line 53
Holding companies 		Q2 2026 51,636 Millions of U.S. Dollars -3,504 Millions of U.S. Dollars 4,880 Millions of U.S. Dollars Mil. of U.S. $
line 54
Funding corporations 		Q2 2026 5,140 Millions of U.S. Dollars -6,504 Millions of U.S. Dollars -1,904 Millions of U.S. Dollars Mil. of U.S. $
line 55
Rest of the world 		Q2 2026 153,629 Millions of U.S. Dollars 268,213 Millions of U.S. Dollars 184,024 Millions of U.S. Dollars Mil. of U.S. $
   

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