ABA Banking Journal
No Result
View All Result
  • Topics
    • Ag Banking
    • Commercial Lending
    • Community Banking
    • Compliance and Risk
    • Cybersecurity
    • Economy
    • Human Resources
    • Insurance
    • Legal
    • Mortgage
    • Mutual Funds
    • Payments
    • Policy
    • Retail and Marketing
    • Tax and Accounting
    • Technology
    • Wealth Management
  • Newsbytes
  • Podcasts
  • Magazine
    • Subscribe
    • Advertise
    • Magazine Archive
    • Newsletter Archive
    • Podcast Archive
    • Sponsored Content Archive
SUBSCRIBE
ABA Banking Journal
  • Topics
    • Ag Banking
    • Commercial Lending
    • Community Banking
    • Compliance and Risk
    • Cybersecurity
    • Economy
    • Human Resources
    • Insurance
    • Legal
    • Mortgage
    • Mutual Funds
    • Payments
    • Policy
    • Retail and Marketing
    • Tax and Accounting
    • Technology
    • Wealth Management
  • Newsbytes
  • Podcasts
  • Magazine
    • Subscribe
    • Advertise
    • Magazine Archive
    • Newsletter Archive
    • Podcast Archive
    • Sponsored Content Archive
No Result
View All Result
No Result
View All Result
Home Economy

The NFIB Small Business Optimism Index fell to 98.8 in September

October 14, 2025
Reading Time: 1 min read
Poll: Small business owners optimistic about the future

The Small Business Optimism Index for September was 98.8. This was the first decline in three months as the index fell 2.0 points from August, though it remains above its 52-year average of 98. Of the 10 Optimism Index components, two increased, five decreased, and three stayed the same. The Uncertainty Index rose 7 points from August to 100, the fourth-highest reading in over 51 years.

In September, 32% (seasonally adjusted) of all owners reported job openings they could not fill in the current period, unchanged from August. 28% had openings for skilled workers (unchanged), and 13% had openings for unskilled labor (unchanged). A seasonally adjusted net 16% of owners plan to create new jobs in the next three months, up 1 point from August and the fourth consecutive monthly increase. Hiring plans are at their highest level since January. Overall, 58% reported hiring or trying to hire in September, up 5 points from August.

A net negative 7% of all owners (seasonally adjusted) reported higher nominal sales in the past three months, up 2 points from August, as more firms reported declining sales than reported gains.

The net percent of owners expecting higher real sales volumes fell 4 points from August to a net 8% (seasonally adjusted). The net percent of owners reporting inventory gains rose 3 points to a net -3% (seasonally adjusted)

A net 7% reported their last loan was harder to get than in previous attempts, up 4 points from August and the highest reading of the year. In September, a net 7% of owners reported paying a higher interest rate on their most recent loan, up 1 point from August. The average rate paid on short maturity loans was 8.8% in September, up 0.7 points from August.

Read the NFIB report

Tags: NFIBSmall business optimism
ShareTweetPin

Related Posts

Fed releases agenda for upcoming conference on large bank capital requirements

Fed extends comment deadline for proposed updates to bank insider regulation

Compliance and Risk
October 2, 2026

The Federal Reserve has extended the comment period by a month for proposed changes to its regulation governing extensions of credit to bank “insiders,” such as board directors, executives and major shareholders.

Existing homes sales fell 4.3% in March 

ABA DataBank: Lock-in effect weighs on existing home sales

Economy
October 2, 2026

As mortgage rates rise, the “lock-in effect” is likely to intensify as more homeowners are discouraged from moving or buying another home, contributing to weaker existing home sales

Survey: Bank customers say youth need financial education

Report: Growing number of states mandate high school financial education

Financial Education
October 2, 2026

Twenty-nine states now require or will soon require that high schools offer comprehensive financial education for students, up from just three less than two decades ago, the National Endowment for Financial Education said in its most recent state...

Maher named 2026-2027 chair of ABA’s American Bankers Council

Maher named 2026-2027 chair of ABA’s American Bankers Council

Community Banking
October 2, 2026

Christopher Maher has been named chair of ABA’s American Bankers Council for the 2026–2027 membership year. Maher is CEO of OceanFirst Financial Corp. and OceanFirst Bank, a New Jersey-based institution.

ABA DataBank: Healthcare led job gains in weaker September report

ABA DataBank: Healthcare led job gains in weaker September report

Economy
October 2, 2026

While the unemployment rate remains relatively low, a continued deterioration in labor market conditions could lead to some weakening in overall credit performance in the months ahead.

FDIC proposes defining unsafe and unsound practices, removing reputational risk

ABA: Reciprocal deposits rule simplifies bank compliance

Newsbytes
October 1, 2026

An FDIC interim final rule updating its reciprocal deposit regulations provides helpful clarifications that simplify compliance for banks, ABA said in a letter to the agency.

NEWSBYTES

Fed extends comment deadline for proposed updates to bank insider regulation

October 2, 2026

ABA DataBank: Lock-in effect weighs on existing home sales

October 2, 2026

Report: Growing number of states mandate high school financial education

October 2, 2026

SPONSORED CONTENT

The Shift from Demographic Marketing

The Shift from Demographic Marketing

October 1, 2026
Meeting Ag Lending Goals Without Going It Alone

Meeting Ag Lending Goals Without Going It Alone

October 1, 2026
Beyond the Portfolio: The Wealth Manager’s New Role in a Multigenerational World

Beyond the Portfolio: The Wealth Manager’s New Role in a Multigenerational World

September 17, 2026
Banking Technology at a Strategic Crossroads

Banking Technology at a Strategic Crossroads

September 8, 2026

PODCASTS

Podcast: Creating seamless customer experiences

September 30, 2026

Podcast: Telling a different kind of story about community banks

September 28, 2026

Podcast: Making the jump from a high performer to a high-performing leader

September 16, 2026

American Bankers Association
1333 New Hampshire Ave NW
Washington, DC 20036
1-800-BANKERS (800-226-5377)
www.aba.com
About ABA
Privacy Policy
Contact ABA

ABA Banking Journal
About ABA Banking Journal
Media Kit
Advertising
Subscribe

© 2026 American Bankers Association. All rights reserved.

No Result
View All Result
  • Topics
    • Ag Banking
    • Commercial Lending
    • Community Banking
    • Compliance and Risk
    • Cybersecurity
    • Economy
    • Human Resources
    • Insurance
    • Legal
    • Mortgage
    • Mutual Funds
    • Payments
    • Policy
    • Retail and Marketing
    • Tax and Accounting
    • Technology
    • Wealth Management
  • Newsbytes
  • Podcasts
  • Magazine
    • Subscribe
    • Advertise
    • Magazine Archive
    • Newsletter Archive
    • Podcast Archive
    • Sponsored Content Archive

© 2026 American Bankers Association. All rights reserved.