CBA Releases Chart Book for Q3 2025

WASHINGTON, D.C. – The Consumer Bankers Association (CBA) today released its Chart Book for the third quarter of 2025, which shows a mixed economic outlook as consumer spending, wages, and loan demand increased slightly while consumer sentiment remains low.

This is the fourth iteration of the CBA Chart Book, a quarterly snapshot of aggregate data and resources related to the retail banking industry.

Key Findings

This edition of the Chart Book highlights:

• Consumers: Total consumer debt balances continued to increase to record highs in the third quarter of 2025. Performance on consumer loans remains relatively stable, with slight increases in credit card and auto delinquencies. Credit card balance growth continues to moderate and the share of consumers paying off their full balance every month remains above pre-pandemic levels.  Demand for auto loans and the number of auto loan accounts dropped sharply in the third quarter. Student loan delinquencies continued to rise past pre-pandemic levels as federal borrowers in repayment slide into later stage delinquencies. 
• Small Business: Reported demand for small business loans began to rebound in the most recent Senior Loan Officer Opinion Survey after a sharp decline earlier this year. Demand and applications for new term loans and lines of credit have been increasing. SBA 7(a) loan volume rebounded in the third quarter after falling sharply in the second quarter of 2025.

About the CBA Chart Book

As the lead voice on consumer finance issues, the CBA Chart Book is produced quarterly to equip retail banking industry leaders, policymakers, and other stakeholders with a deeper understanding of the forces shaping the future of the industry. To view the latest edition of the CBA Chart Book, click HERE.