{"id":74288,"date":"2026-11-06T18:08:12","date_gmt":"2026-11-06T22:08:12","guid":{"rendered":"https:\/\/www2.stockmarketwatch.com\/stock-market-news\/federal-reserve-releases-weekly-h-8-data-on-u-s-commercial-bank-assets-and-liabilities\/74288\/"},"modified":"2026-11-06T18:08:12","modified_gmt":"2026-11-06T22:08:12","slug":"federal-reserve-releases-weekly-h-8-data-on-u-s-commercial-bank-assets-and-liabilities","status":"publish","type":"post","link":"https:\/\/www2.stockmarketwatch.com\/stock-market-news\/federal-reserve-releases-weekly-h-8-data-on-u-s-commercial-bank-assets-and-liabilities\/74288\/","title":{"rendered":"Federal Reserve Releases Weekly H.8 Data on U.S. Commercial Bank Assets and Liabilities"},"content":{"rendered":"<h2>Key Takeaways<\/h2>\n<ul>\n<li><strong>U.S. commercial bank deposits fell to $19.77 trillion<\/strong> for the week ending October 21, 2026, marking a <strong>0.16% weekly decline<\/strong> while maintaining a <strong>6.80% year-over-year increase<\/strong>.<\/li>\n<li><strong>Commercial and industrial (C&amp;I) loan growth<\/strong> showed signs of moderation, with recent data indicating a <strong>10.1% annual rate of change<\/strong> in September, down from a peak of <strong>19.2% in August<\/strong>.<\/li>\n<li><strong>Real estate lending remains resilient<\/strong> with a <strong>3.3% annual growth rate<\/strong> as of September, even as broader business loan demand begins to soften due to higher borrowing costs.<\/li>\n<li><strong>Strong October labor market data<\/strong>, showing <strong>165,000 new jobs<\/strong>, has increased the probability of a <strong>Federal Reserve<\/strong> rate hike in December to <strong>76.8%<\/strong>, potentially impacting future bank lending spreads.<\/li>\n<\/ul>\n<p>The <strong>Federal Reserve<\/strong> (<a href=\"\/stock\/FRB\">FRB<\/a>) released its weekly H.8 report on November 6, 2026, providing a critical update on the assets and liabilities of commercial banks in the United States. The data highlights a period of stabilization in the banking sector, characterized by steady but slowing credit growth and a slight contraction in total deposits.<\/p>\n<p><strong>Bank credit<\/strong> grew at an annual rate of <strong>3.4% in September<\/strong>, a significant deceleration from the <strong>5.0% growth<\/strong> recorded in August. This slowdown was largely driven by a sharp reversal in <strong>securities holdings<\/strong>, which fell at a <strong>6.3% annual rate<\/strong> in September after a <strong>4.6% decline<\/strong> the previous month. <em>Analysts suggest that banks are increasingly shifting away from Treasury and agency securities as yields remain volatile.<\/em><\/p>\n<p>In the lending space, <strong>Loans and leases<\/strong> continued to expand, posting a <strong>7.4% annual growth rate<\/strong> in September. While <strong>Commercial and Industrial (C&amp;I) loans<\/strong> remained a primary driver with <strong>10.1% growth<\/strong>, this figure represents a cooling from the <strong>19.2% surge<\/strong> seen in August. <em>The moderation in C&amp;I lending aligns with recent Federal Reserve surveys showing that businesses are becoming more cautious regarding new capital expenditures.<\/em><\/p>\n<p>Consumer lending showed mixed results, with <strong>credit card and revolving plans<\/strong> growing at a <strong>4.2% annual rate<\/strong>, while <strong>other consumer loans<\/strong> (including auto loans) rose by <strong>6.5%<\/strong>. Total <strong>commercial real estate (CRE) loans<\/strong> maintained a steady <strong>5.2% growth rate<\/strong>, despite ongoing concerns regarding the valuation of office properties and the impact of higher interest rates on refinancing cycles.<\/p>\n<p>The liability side of the balance sheet showed <strong>total deposits<\/strong> at approximately <strong>$19.77 trillion<\/strong>, down from <strong>$19.80 trillion<\/strong> the previous week. Despite this minor weekly dip, the deposit base remains significantly higher than the <strong>$18.51 trillion<\/strong> recorded one year ago. <em>This year-over-year growth of 6.80% suggests that liquidity remains ample within the domestic banking system, even as the Fed maintains a restrictive monetary policy stance.<\/em><\/p>\n<p>Looking ahead, the banking sector faces a shifting interest rate environment. Following a &quot;blockbuster&quot; October jobs report that saw <strong>165,000 positions added<\/strong>, market expectations for a <strong>25-basis-point rate hike<\/strong> in December have surged. This potential move by the <strong>Federal Reserve<\/strong> is expected to further pressure net interest margins (NIMs) as banks balance the need to attract deposits with the rising costs of wholesale funding.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key Takeaways U.S. commercial bank deposits fell to $19.77 trillion for the week ending October 21, 2026, marking a 0.16% 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