How credit is holding up
C&I loan spread changes — small firms
Lending conditions and realized bank losses. Positive survey standards mean net tightening; positive demand means net strengthening. Neither is a corporate-bond default rate.
Latest collected observation
-14.50 %
Observation period: 2026Q3
At collection: current
Last collection · 28 Sep 2026, 12:00 UTC
These are dated observations. This page does not stream live market data.
Since the previous collection
The displayed value and observation period are unchanged from the collection on 2026-09-27.
A new period advances the comparison window. A revision changes an existing period.
Source history
net percent of responding domestic banks
2026Q3 · -14.5
Latest 24 source observations in this collection. Points are spaced by observation, not elapsed time. Missing values remain gaps. History may include revisions; it does not recreate what was known at each date.
Inspect the exact values
| Period | Value |
|---|---|
| 2026Q3 | -14.5 |
| 2026Q2 | -8.2 |
| 2026Q1 | 0 |
| 2025Q4 | -6.8 |
| 2025Q3 | -3.4 |
| 2025Q2 | -6.6 |
| 2025Q1 | -8.2 |
| 2024Q4 | 5.1 |
| 2024Q3 | 5 |
| 2024Q2 | 20 |
| 2024Q1 | 34.5 |
| 2023Q4 | 44.6 |
| 2023Q3 | 66.1 |
| 2023Q2 | 58.3 |
| 2023Q1 | 32.8 |
| 2022Q4 | 25.4 |
| 2022Q3 | 12.7 |
| 2022Q2 | -10 |
| 2022Q1 | -31.1 |
| 2021Q4 | -25.4 |
| 2021Q3 | -35.7 |
| 2021Q2 | -16.4 |
| 2021Q1 | 13.2 |
| 2020Q4 | 10.6 |
- Source unit
- net percent of responding domestic banks
- Collected
- 2026-09-28 12:00:03.058 UTC
- Source release / update
- 2026-08-03
- Instrument
- US_SLOOS_SPREADS_SMALL
Survey quarters and bank reporting quarters differ. Charge-offs are annualized and net of recoveries; delinquency rates are not annualized.