Dallas Fed Economics
Measures of inflation misalign with pricier home insurance
Overall, homeowners insurance is becoming less affordable, yet this deterioration in affordability is not well captured by either of the most widely used inflation measures—CPI or PCE—both designed to track price levels rather than affordability or household financial strain.
April 09, 2026
Speeches and essays
The banking system and the demand for reserves
When it comes to the balance sheet, as with all of the Fed’s work, the focus needs to be on how we can best serve the public and support a strong economy and financial system.
April 02, 2026
Dallas Fed Economics
Options for reducing the size of the Fed’s balance sheet
Some observers have argued that the Federal Reserve’s balance sheet is too large and complicates the central bank’s operations. We catalog options for reducing the Fed’s major liabilities, which help determine the size of the balance sheet, as well as a framework for assessing the costs and benefits of those options.
April 02, 2026
Economic Surveys
Banking Conditions Survey
Loan volume and demand notably accelerated in March. The upward momentum was driven by real estate loans, especially commercial real estate.
March 30, 2026
Dallas Fed Banking
Eleventh District banks hold fewer loans to non-banking firms compared with peers
Recent high-profile bankruptcies of firms relying on private credit financing have raised concerns that relatively opaque and riskier credit could hide broader systemic risk. Several banks announced asset write-downs from exposure to these bankruptcies.
March 25, 2026
Dallas Fed Economics
Home insurance premiums influence mortgage delinquencies, relocations
The rise in homeowners insurance premiums since the pandemic is not just a pricing issue; it is a growing source of financial stress, inequality and geographic sorting.
March 24, 2026
Southwest Economy
Texas multifamily housing yet to stabilize; downside risks remain
A fair amount of excess supply remains in some markets, and new properties are facing longer lease-up timelines.
March 23, 2026
Dallas Fed Banking
Community Banks Play Important Role for Rural Eleventh District Communities
Many of the Eleventh District’s rural counties rely on community bank branches, particularly in Texas and Louisiana. These rural areas are important to the production and support of the cattle, agricultural and energy industries for the district, the U.S. and the world.
March 20, 2026
Eleventh District Banking Trends
Eleventh District Banking Trends
This quarterly report tracks the financial performance of Eleventh District banks in comparison with national averages, looking at profitability, loans, deposits and other key metrics.
March 06, 2026
Working Paper
Social Network and Sentiment Contagion: Evidence from the Bitcoin Market
This paper introduces a novel measure of contagion intensity that significantly forecasts Bitcoin volatility, trading volume and market crashes.
March 02, 2026