US bank lending-standards panel (SLOOS C&I, quarterly)
Quarterly US bank lending-standards panel, 1990-Q2 onward, from the Federal Reserve's Senior Loan Officer Opinion Survey (SLOOS) via keyless FRED fredgraph.csv: net percentages of domestic banks tightening standards for C&I loans to large/middle-market firms (DRTSCILM) and to small firms (DRTSCIS). Each quarter carries both net percentages, the large-minus-small spread (flight-to-quality gauge), quarter-on-quarter and year-on-year changes, 4-quarter moving averages, 4-year z-scores, tightening / broad-tightening / credit-crunch flags, a documented 0-100 credit-conditions score, and a deterministic row hash. One row per quarter; join keys: year_quarter, country_code=USA. Who joins this: sales teams join credit_conditions_score on quarter to weight B2B pipeline by credit availability; subscription businesses use broad_tightening_flag as a churn-risk regime input; demand forecasters use the large-small spread as a credit-crunch early warning.
- Rows
- 146
- Columns
- 21
- Source cadence
- Quarterly
- Last refreshed
- Sep 30, 2026
- Theme
- economy
| Column | Type | Description |
|---|---|---|
| quarter | date | First day of the SLOOS survey quarter. (unit: date) |
| year_quarter | string | Survey quarter as YYYY-QN (panel join key). (unit: string) |
| country | string | Country name (shared normalization layer). (unit: string) |
| country_code | string | ISO 3166-1 alpha-3 country code (USA). (unit: string) |
| ci_large_mid_net_pct | float | Net % of domestic banks tightening standards for C&I loans to large and middle-market firms (FRED DRTSCILM). Positive = tightening on net. (unit: percent) |
| ci_small_net_pct | float | Net % of domestic banks tightening standards for C&I loans to small firms (FRED DRTSCIS). Positive = tightening on net. (unit: percent) |
| large_small_spread_pp | float | ci_large_mid_net_pct minus ci_small_net_pct, in percentage points. Positive = large-firm lending tightening faster (flight-to-quality / credit-crunch signature). (unit: percentage points) |
| ci_large_mid_qoq_pp | float | 1-quarter change of ci_large_mid_net_pct in percentage points (levels, never percent changes — net percentages cross zero). (unit: percentage points) |
| ci_small_qoq_pp | float | 1-quarter change of ci_small_net_pct in percentage points. (unit: percentage points) |
| ci_large_mid_yoy_pp | float | 4-quarter change of ci_large_mid_net_pct in percentage points. (unit: percentage points) |
| ci_small_yoy_pp | float | 4-quarter change of ci_small_net_pct in percentage points. (unit: percentage points) |
| ci_large_mid_4q_ma | float | Trailing 4-quarter moving average of ci_large_mid_net_pct (min 2 observations). (unit: percent) |
| ci_small_4q_ma | float | Trailing 4-quarter moving average of ci_small_net_pct (min 2 observations). (unit: percent) |
| ci_large_mid_z_4y | float | Z-score of ci_large_mid_net_pct vs its trailing-16-quarter mean/std (min 6 observations; null when the window std is 0) — how unusual the current stance is. (unit: z-score) |
| ci_small_z_4y | float | Z-score of ci_small_net_pct vs its trailing-16-quarter mean/std (min 6 observations; null when the window std is 0). (unit: z-score) |
| tightening_flag_large_mid | integer | 1 when ci_large_mid_net_pct is positive (banks tightening on net for large/mid firms). (unit: flag (0/1)) |
| tightening_flag_small | integer | 1 when ci_small_net_pct is positive (banks tightening on net for small firms). (unit: flag (0/1)) |
| broad_tightening_flag | integer | 1 when both series are tightening on net. (unit: flag (0/1)) |
| credit_crunch_flag | integer | 1 when either series reaches +30 net percent (crunch-level reading; 2008 and 2020 both cleared it). (unit: flag (0/1)) |
| credit_conditions_score | float | Documented 0-100 credit-conditions composite: 100 * (0.5 * ease(ci_large_mid) + 0.5 * ease(ci_small)) with ease(x) = clip01((30 - x) / 60); a leg at -30 (broad easing) scores 1.0, at +30 (crunch) scores 0.0; a missing leg contributes 0.5 (neutral). (unit: score 0-100) |
| row_hash | string | Deterministic 16-hex sha256 of year_quarter + ci_large_mid_net_pct (idempotency key). (unit: string) |
First 10 sample rows — a preview, not the complete dataset.
| quarter | year_quarter | country | country_code | ci_large_mid_net_pct | ci_small_net_pct | large_small_spread_pp | ci_large_mid_qoq_pp | ci_small_qoq_pp | ci_large_mid_yoy_pp | ci_small_yoy_pp | ci_large_mid_4q_ma | ci_small_4q_ma | ci_large_mid_z_4y | ci_small_z_4y | tightening_flag_large_mid | tightening_flag_small | broad_tightening_flag | credit_crunch_flag | credit_conditions_score | row_hash |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1990-04-01 | 1990-Q2 | United States | USA | 54.4 | 52.7 | 1.7 | — | — | — | — | — | — | — | — | 1 | 1 | 1 | 1 | 0 | 335f80fdf22fc0ef |
| 1990-07-01 | 1990-Q3 | United States | USA | 46.7 | 33.9 | 12.8 | -7.7 | -18.8 | — | — | 50.55 | 43.3 | — | — | 1 | 1 | 1 | 1 | 0 | 5ba973cd0b579b5e |
| 1990-10-01 | 1990-Q4 | United States | USA | 54.2 | 40.7 | 13.5 | 7.5 | 6.8 | — | — | 51.767 | 42.433 | — | — | 1 | 1 | 1 | 1 | 0 | 26dee8d33f13ef2b |
| 1991-01-01 | 1991-Q1 | United States | USA | 38.6 | 31.6 | 7 | -15.6 | -9.1 | — | — | 48.475 | 39.725 | — | — | 1 | 1 | 1 | 1 | 0 | 544fd0d9bc22430c |
| 1991-04-01 | 1991-Q2 | United States | USA | 20 | 6.9 | 13.1 | -18.6 | -24.7 | -34.4 | -45.8 | 39.875 | 28.275 | — | — | 1 | 1 | 1 | 0 | 27.58 | 90427c77c52c9032 |
| 1991-07-01 | 1991-Q3 | United States | USA | 18.6 | 8.8 | 9.8 | -1.4 | 1.9 | -28.1 | -25.1 | 32.85 | 22 | -1.248 | -1.126 | 1 | 1 | 1 | 0 | 27.17 | cfaaf5dfd3efd08e |
| 1991-10-01 | 1991-Q4 | United States | USA | 16.7 | 7 | 9.7 | -1.9 | -1.8 | -37.5 | -33.7 | 23.475 | 13.575 | -1.116 | -1.026 | 1 | 1 | 1 | 0 | 30.25 | 651bb3607b918215 |
| 1992-01-01 | 1992-Q1 | United States | USA | 10 | 0 | 10 | -6.7 | -7 | -28.6 | -31.6 | 16.325 | 5.675 | -1.237 | -1.17 | 1 | 0 | 0 | 0 | 41.67 | 35bee7bd57511293 |
| 1992-04-01 | 1992-Q2 | United States | USA | 3.5 | -7.1 | 10.6 | -6.5 | -7.1 | -16.5 | -14 | 12.2 | 2.175 | -1.318 | -1.281 | 1 | 0 | 0 | 0 | 53 | e1f925f3127286d0 |
| 1992-07-01 | 1992-Q3 | United States | USA | -3.4 | -1.7 | -1.7 | -6.9 | 5.4 | -22 | -10.5 | 6.7 | -0.45 | -1.392 | -0.921 | 0 | 0 | 0 | 0 | 54.25 | 115a072d52d4d002 |
- Current
20260930T190423Z-7da59b18935f · sha256 7da59b18935f…
146 rows · first snapshot
Point any LLM at the metadata endpoint — the documentation above is machine-readable too (JSON-LD + Croissant).
curl "https://datazimuts.com/v1/datasets/fred_sloos_credit_intel/us_bank_lending_standards_quarterly" | jq '{title, rows, columns_count, license}'import requests
ds = requests.get("https://datazimuts.com/v1/datasets/fred_sloos_credit_intel/us_bank_lending_standards_quarterly").json()
print(ds["title"], ds["rows"], "rows")
# Sample rows for an LLM context window
for row in ds.get("sample_rows", [])[:5]:
print(row)API endpoint: https://datazimuts.com/v1/datasets/fred_sloos_credit_intel/us_bank_lending_standards_quarterly
Tip: fetch /llms.txt for the full machine-readable catalog.
Where this data comes from and what was made from it. Other people's work shows as counts; only shared projects are named.
Cite this snapshot
Pinned to snapshot 20260930T190423Z-7da59b18935f and its content hash, so readers get exactly the data you used.
US Bank Lending Standards (SLOOS via FRED, keyless). (2026). US bank lending-standards panel (SLOOS C&I, quarterly) [Data set, snapshot 20260930T190423Z-7da59b18935f, sha256 7da59b18935f]. Datazimuts. Retrieved 2026-10-01, from https://datazimuts.com/en/datasets/fred_sloos_credit_intel/us_bank_lending_standards_quarterly?snapshot=20260930T190423Z-7da59b18935f
@misc{dz_fred_sloos_credit_intel_us_bank_lending__7da59b18,
title = {{US bank lending-standards panel (SLOOS C\&I, quarterly)}},
author = {{US Bank Lending Standards (SLOOS via FRED, keyless)}},
year = {2026},
publisher = {Datazimuts},
howpublished = {\url{https://datazimuts.com/en/datasets/fred_sloos_credit_intel/us_bank_lending_standards_quarterly?snapshot=20260930T190423Z-7da59b18935f}},
note = {Snapshot 20260930T190423Z-7da59b18935f, sha256 7da59b18935f66811e418908cf93b37fa3b0b7aceae43abf03349ed9c02ae546; accessed 2026-10-01}
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