BANK LENDING & CREDIT SUPPLY · SEPTEMBER 5, 2026
Federal Reserve Data Show C&I Loans Rising as CRE Balances Edge Lower
The Federal Reserve's September 4 H.8 release shows seasonally adjusted commercial-and-industrial loan balances at $2.957 trillion for the week ended August 26, while commercial real estate loans edged down to $3.129 trillion.
What the September 4 H.8 release reports
The Federal Reserve's H.8 release, dated September 4, provides seasonally adjusted commercial-bank balance data through the week ended August 26. Commercial-and-industrial loans rose to $2.9569 trillion from $2.9457 trillion one week earlier. Total loans and leases increased to $14.0339 trillion from $14.0165 trillion.
- 01C&I increased week over week
- 02CRE edged lower
- 03Confirm lender-specific appetite
Commercial real estate detail
Commercial real estate loans edged down to $3.1294 trillion from $3.1313 trillion. Within that total, construction-and-land-development loans declined to $457.8 billion from $458.2 billion, and multifamily-secured loans moved to $638.9 billion from $639.3 billion. Weekly movements can be revised and do not show loan terms, approvals, property quality, or borrower-level demand.
Practical borrower takeaway
Use systemwide balances to frame the credit environment, not to predict an approval. Ask prospective lenders about current industry, geography, collateral, leverage, and transaction-size preferences. Submit a reconciled debt schedule, current financial statements, defined use of funds, collateral detail, and a supportable repayment case so the lender can assess the actual request.
Borrowers should treat aggregate bank balances as market context, then compare lender appetite with a complete, transaction-specific package and realistic repayment analysis.
Discuss a financing need →This independent summary is based on the cited source and is provided for general educational purposes only. Terms and program requirements may change.