Banking Conditions Survey - Dallasfed.org
Skip to main content
News and EventsCareers
All
Authors
Series
Topics
Economy
Economy
Data
Regional data
U.S. data
International data
Energy data
DataBasics
Research Data Center (RDC)--
Regional economy
Texas
New Mexico
Louisiana
Dallas Fed Surveys
Economic analysis
Beige Book
Economic indicators
Texas Economic Update
Texas Employment Forecast
U.S. Economy
Trimmed Mean PCE
Market Value of Government Debt
Weekly Economic Index
International Economy
Database of Global Economic Indicators
International House Price Database
Mexico Update
Global Institute
Events
Conferences
Global Perspectives
Energy
Center for Energy and the Economy
Dallas Fed Energy Survey
Energy in the Eleventh District
Energy Indicators
Energy Slideshow
Publications
Dallas Fed Economics
Southwest Economy
Southwest Economy Podcast
Special reports
Working papers
Economists
Focus areas/topics
Community
Community
Communities blog
In-depth reports
Small Business Credit Survey
Community topics
Small business
Workforce development
Community Reinvestment Act
Advance Together initiative
Digital access initiative
Our people
Events
Education
Education
Classroom Resources
Building Wealth lesson plans
Classroom-ready presentations
Federal Reserve Education
Publications
Building Wealth
Everyday Economics
Navigate: Exploring College and Careers
Student programs
Personal finance workshop
--
Events
Tours information
Banking
Banking
Banker resources
Consumer resources
Reserves maintenance
Risk and surveillance
Lending
Discount Window
Payments & financial services
FedNow
Financial services
Reporting
Financial reporting
Regulatory reporting
Structure reporting (NIC)
Contacts
Events
Publications and reports
Dallas Fed Banking
Banking Conditions Survey
Current Banking Risks
Eleventh District Banking Trends
Banking and finance articles
About us
About Us
What we do
Reserve Banks and the Fed
Counties in our district
Our branches
El Paso
Houston
San Antonio
Holiday schedule
Work with us
Transparency
President Lorie Logan
About Lorie
Listening in 360°
Calendar
Public speaking events
Our people
Leadership team
Regional executives
Boards of directors
Economists
Dallas Fed advisory councils
Federal Advisory Council
Office of Minority and Women Inclusion
Speeches
Lorie Logan speeches and publications
Leadership speeches
Request a speaker
Connect with us
Attend our events
Visit our exhibits
Help us track the economy
Ask a question or find a contact
Do business with us
News and EventsCareers
HomeEconomySurveysBanking Conditions Survey
Economy
Economy home
Data
Regional data
U.S. data
International data
Energy data
DataBasics
Research Data Center
BigTex High-Performance Computing
Regional
Regional economy
Texas
New Mexico
Louisiana
Dallas Fed surveys
Agricultural
Banking Conditions
Dallas Fed Energy
Texas Manufacturing
Texas Service Sector
Economic analysis
Beige Book
Economic Indicators
Texas Economic Update
Texas Employment Forecast
Mexico and border region
All regional analysis
Southwest Economy
U.S.
U.S. economy home
Trimmed Mean PCE
Market Value of Government Debt
Weekly Economic Index
All U.S. data
International
Global Institute
International economy
International House Price Database
Database of Global Economic Indicators
International data
Energy
Center for Energy and the Economy
Energy research
Dallas Fed Energy Survey
Energy in the Eleventh District
Energy Indicators
Energy slideshow
Publications
Dallas Fed Economics
Southwest Economy
Special reports
Working papers
More publications
Our people
Economists
Research analysts
Visiting scholars
Events
Conferences
Global Perspectives
Seminars
Request a speaker
Focus areas/topics
Surveys
Banking Conditions Survey
Current report
Results table
Charts
Comments
Historical data
June 2026
Bankers report robust increases in loan volume and demand
What’s new
For this survey, Eleventh District banking executives were asked supplemental questions on credit standards and loan demand.  Read the special questions results.
Loan volume and demand grew notably in June. Volume rose across all loan types except for consumer loan volume which was stable. Credit standards and terms tightened, but loan pricing held steady. Overall loan performance remained the same. Bankers reported expanding general business activity and are more optimistic about the future. Survey respondents expect strong growth in loan demand and business activity with a very slight deterioration in loan performance six months from now.
Next release: August 17, 2026
Data were collected June 16–24, and 72 financial institutions responded to the survey. The Federal Reserve Bank of Dallas conducts the Banking Conditions Survey twice each quarter to obtain a timely assessment of activity at banks and credit unions headquartered in the Eleventh Federal Reserve District. CEOs or senior loan officers of financial institutions report on how conditions have changed for indicators such as loan volume, nonperforming loans and loan pricing. Respondents are also asked to report on their banking outlook and their evaluation of general business activity.
Survey responses are used to calculate an index for each indicator. Each index is calculated by subtracting the percentage of respondents reporting a decrease (or tightening) from the percentage reporting an increase (or easing). When the share of respondents reporting an increase exceeds the share reporting a decrease, the index will be greater than zero, suggesting the indicator has increased over the prior reporting period. If the share of respondents reporting a decrease exceeds the share reporting an increase, the index will be below zero, suggesting the indicator has decreased over the prior reporting period. An index will be zero when the number of respondents reporting an increase is equal to the number reporting a decrease.
June 2026
Results summary
Historical data are available from March 2017.
Total Loans:
Over the past six weeks, how have the following changed?IndicatorCurrent IndexPrevious Index% Reporting Increase% Reporting No Change% Reporting Decrease
Loan volume
41.7
35.6
55.6
30.6
13.9
Loan demand
42.2
35.6
53.5
35.2
11.3
Nonperforming loans
1.4
16.9
19.7
62.0
18.3
Loan pricing
–1.4
–18.6
11.1
76.4
12.5
IndicatorCurrent IndexPrevious Index% Reporting Eased% Reporting No Change% Reporting Tightened
Credit standards and terms
–5.9
–5.2
2.9
88.2
8.8
Commercial and Industrial Loans:
Over the past six weeks, how have the following changed?IndicatorCurrent IndexPrevious Index% Reporting Increase% Reporting No Change% Reporting Decrease
Loan volume
19.7
15.1
28.8
62.1
9.1
Nonperforming loans
4.5
1.9
10.6
83.3
6.1
IndicatorCurrent IndexPrevious Index% Reporting Eased% Reporting No Change% Reporting Tightened
Credit standards and terms
–6.1
–7.7
3.1
87.7
9.2
Commercial Real Estate Loans:
Over the past six weeks, how have the following changed?IndicatorCurrent IndexPrevious Index% Reporting Increase% Reporting No Change% Reporting Decrease
Loan volume
40.3
24.5
46.3
47.8
6.0
Nonperforming loans
0.0
3.7
9.1
81.8
9.1
IndicatorCurrent IndexPrevious Index% Reporting Eased% Reporting No Change% Reporting Tightened
Credit standards and terms
–6.1
–3.7
3.0
87.9
9.1
Residential Real Estate Loans:
Over the past six weeks, how have the following changed?IndicatorCurrent IndexPrevious Index% Reporting Increase% Reporting No Change% Reporting Decrease
Loan volume
14.5
7.1
33.3
47.8
18.8
Nonperforming loans
8.8
5.3
13.2
82.4
4.4
IndicatorCurrent IndexPrevious Index% Reporting Eased% Reporting No Change% Reporting Tightened
Credit standards and terms
–5.8
–3.6
0.0
94.2
5.8
Consumer Loans:
Over the past six weeks, how have the following changed?IndicatorCurrent IndexPrevious Index% Reporting Increase% Reporting No Change% Reporting Decrease
Loan volume
–1.4
3.4
15.3
68.1
16.7
Nonperforming loans
0.0
8.5
8.5
83.1
8.5
IndicatorCurrent IndexPrevious Index% Reporting Eased% Reporting No Change% Reporting Tightened
Credit standards and terms
–2.8
0.0
0.0
97.2
2.8
Banking Outlook:
What is your expectation for the following items six months from now?IndicatorCurrent IndexPrevious Index% Reporting Increase% Reporting No Change% Reporting Decrease
Total loan demand
47.9
40.6
59.2
29.6
11.3
Nonperforming loans
2.8
6.7
21.1
60.6
18.3
General Business Activity:
What is your evaluation of the level of activity?IndicatorCurrent IndexPrevious Index% Reporting Better% Reporting No Change% Reporting Worse
Over the past six weeks
19.7
10.2
32.4
54.9
12.7
Six months from now
38.6
11.9
48.6
41.4
10.0
June 2026
Downloadable chart --
Downloadable chart --
Downloadable chart --
Downloadable chart --
Downloadable chart --
Downloadable chart --
Downloadable chart --
Downloadable chart --
June 2026
Comments from survey respondents
Survey participants are given the opportunity to submit comments on current issues that may be affecting their businesses. Some comments have been edited for grammar and clarity.
Geopolitical macro impacts are affecting consumer and business confidence.
A company is building a $27 billion data center within 40 miles of our main office and within 10 miles of another branch, and it is generating lots of loans and deposits in our area.
Looking ahead six months, I remain concerned about the economic environment. Inflation is running higher than preferred, the potential for interest-rate increases could raise borrowing costs for consumers and businesses, and ongoing geopolitical uncertainty continues to weigh on overall confidence.
The duration of the U.S-Israel-Iran war has had a minor impact on business, but the rising price in oil has insulated the Texas economy. We are seeing some weakening in consumer markets driven by sustained higher inflation.
The end to the war should motivate our small business and middle market clients to proceed with projects currently on hold.
Inflation is eating away at the disposable income of most consumers. The feedback that we are receiving from local realtors is that residential home listings are up, but there are very few potential buyers right now.
Historical data
Historical data can be downloaded dating back to March 2017. For the definitions, see data definitions.
Indexes
All data
NOTE: The following series were discontinued in May 2020: volume of core deposits, cost of funds, non-interest income and net interest margin.
Share this
Questions regarding the Banking Conditions Survey can be addressed to Mariam Yousuf at mariam.yousuf@dal.frb.org.
Sign up for our email alert to be automatically notified as soon as the latest Banking Conditions Survey is released on the web.
Banking Conditions Survey
Current report
Special questions
Release dates
Historical data
About the survey
Sample survey form
Surveys
Texas Manufacturing Outlook Survey
Texas Service Sector Outlook Survey
Dallas Fed Energy Survey
Agricultural Survey
Banking Conditions Survey
Be a Survey Panelist
Subscribe for
email alerts
Quick links
Global Institute
Building Wealth
Banking blog
Communities blog
Economics blog
Visit us
Publications
About us
Transparency
Holiday schedule
Careers
Office of Minority and
Women Inclusion
Contact us
Frequently asked questions
Locations and teams
Media relations
Vendors and suppliers
Website feedback
Stay informed
Get analysis, research, resources and event information delivered directly to your inbox.
Subscribe
Email address
Sign Up
--
Follow the Dallas Fed
2200 N. Pearl St., Dallas, Texas 75201
P: 214.922.6000 or 800.333.4460--
expand_less
Top
2200 N. Pearl St., Dallas, Texas 75201214.922.6000 or 800.333.4460Terms of UsePrivacy Notice