How is Selected CRE loans to gross loans and leases calculated?

RC-C I (F159 + 1460 + F160 + F161) / (2122 + 2123). Null policy: abstain if missing.

What source schedule does Selected CRE loans to gross loans and leases come from?

Not derivable from this formula alone; see the definition version history on this page.

Is a higher value better?

Higher or lower is not good or bad on its own: it depends on the bank's business model, size and market, so compare a bank with similar institutions.

How often does this metric update?

Quarterly. Banks file Call Reports about 30 days after each quarter ends, and the figures here update when that data is loaded.

Lending & concentration · Versioned metric research

Selected CRE loans to gross loans and leases

Matched office scope; selected property-secured CRE, excludes F158. Quarter-end reported balances. Source evidence: metric-source-contract-validation.json SHA256 38fdaa264d855efba9eacd852269d1d5ed33a76f4620c7726d21828dfb5e9a7d Open official FFIEC instructions ↗

In plain English

Selected CRE loans to gross loans and leases: what it shows

A selected group of commercial real estate loan categories, divided by gross loans and leases. The exact categories are in the calculation contract above.

Where reporting institutions stand now

As of Q2 2026, 4,166 banks reported a verified value for selected cre loans to gross loans and leases. The median was 33.6%, the middle half of them fell between 17.0% and 48.9%, and the range from the 10th to the 90th percentile ran 7.51% to 61.8%.

Over the last four quarters the median moved from 36.1% in Q2 2025 to 33.6%, down 2.53 percentage points.

Across the 42 quarters on record, from Q1 2016, the median has ranged from 20.7% (Q1 2016) to 46.0% (Q4 2025).

Why it matters

Commercial real estate is the loan category most associated with concentrated losses in past banking downturns, so the share of the loan book it makes up is a basic concentration check.

How to read it

A higher share means the loan book depends more on one asset class. Compare with banks of similar size and market, since CRE is a larger business for community banks than for large national banks.

What to watch for

'Selected' CRE here follows the formula shown above and may differ from the definition a bank or regulator uses in other contexts.

Common questions

Is a higher value better?: Higher or lower is not good or bad on its own: it depends on the bank's business model, size and market, so compare a bank with similar institutions.
How often does this metric update?: Quarterly. Banks file Call Reports about 30 days after each quarter ends, and the figures here update when that data is loaded.

v3 definition42 quarters4166 current observationsRATIO unit

Calculation contract

`RC-C I (F159 + 1460 + F160 + F161) / (2122 + 2123)`

Source schedule: Not derivable from this formula

Null policy: abstain if missing

Effective: 2016-03-31 to 2026-06-30

How every metric is acquired, derived, and validated →

Definition history

Earlier versions of this metric

Each version is a distinct, dated definition — values are never silently recomputed under an older definition.

v2 · 2016-03-31 to 2026-06-30: RC-C I (F159 + 1460 + F160 + F161) / (2122 + 2123)Null policy: abstain if missing
v1 · 2016-01-01 to superseded: (RC-C F159 + 1460 + F160 + F161) / RC-C 2122Null policy: abstain if missing

Reading this page

Percentiles describe position, not merit.

P10 through P90 below mark where 4166 banks' reported selected cre loans to gross loans and leases values fell for 2026-06-30 — the median (P50) splits that group in half; it is not a target. The trend chart above follows that median quarter to quarter, and the distribution chart traces the full P10–P90 band. A higher or lower reported value is not labeled favorable or unfavorable here — that depends on the metric, the institution's business model, and context this page does not assert.

Accessible line chart

Selected CRE loans to gross loans and leases — covered-bank median

View chart data as a table

Period	Value	Revision	Event
2016-09-30	22.918 percent	No marker	None
2016-12-31	22.944 percent	No marker	None
2017-03-31	24.11 percent	No marker	None
2017-06-30	23.931 percent	No marker	None
2017-09-30	25.17 percent	No marker	None
2017-12-31	24.985 percent	No marker	None
2018-03-31	25.807 percent	No marker	None
2018-06-30	27.632 percent	No marker	None
2018-09-30	27.584 percent	No marker	None
2018-12-31	27.175 percent	No marker	None
2019-03-31	28.603 percent	No marker	None
2019-06-30	29.482 percent	No marker	None
2019-09-30	29.869 percent	No marker	None
2019-12-31	30.483 percent	No marker	None
2020-03-31	31.421 percent	No marker	None
2020-06-30	30.171 percent	No marker	None
2020-09-30	30.865 percent	No marker	None
2020-12-31	32.786 percent	No marker	None
2021-03-31	32.47 percent	No marker	None
2021-06-30	33.441 percent	No marker	None
2021-09-30	33.761 percent	No marker	None
2021-12-31	33.755 percent	No marker	None
2022-03-31	35.382 percent	No marker	None
2022-06-30	35.842 percent	No marker	None
2022-09-30	35.409 percent	No marker	None
2022-12-31	35.758 percent	No marker	None
2023-03-31	36.08 percent	No marker	None
2023-06-30	35.757 percent	No marker	None
2023-09-30	35.664 percent	No marker	None
2023-12-31	35.951 percent	No marker	None
2024-03-31	36.405 percent	No marker	None
2024-06-30	36.472 percent	No marker	None
2024-09-30	36.373 percent	No marker	None
2024-12-31	36.193 percent	No marker	None
2025-03-31	36.44 percent	No marker	None
2025-06-30	36.124 percent	No marker	None
2025-09-30	45.903 percent	No marker	None
2025-12-31	46.026 percent	No marker	None
2026-03-31	45.836 percent	No marker	None
2026-06-30	33.593 percent	No marker	None

Source: FFIEC Call Reports; OptimaYield versioned semantic layer. Color is supplemented by shape and labels; reduced-motion users receive no chart animation.

Historical distribution

Selected CRE loans to gross loans and leases across covered banks

Median with interquartile and P10–P90 ranges across verified observations.

2026-06-30 latest period4,166 observations33.59% median16.97%–48.92% interquartile range

View distribution data as a table

Period	Population	P10	P25	Median	P75	P90
2026-06-30	4,166	7.51%	16.97%	33.59%	48.92%	61.83%
2026-03-31	1,004	18.85%	34.50%	45.84%	56.09%	67.69%
2025-12-31	1,000	18.17%	34.54%	46.03%	56.26%	66.85%
2025-09-30	997	18.75%	34.03%	45.90%	56.24%	66.84%
2025-06-30	144	1.81%	14.89%	36.12%	50.64%	58.12%
2025-03-31	151	0.49%	15.55%	36.44%	50.69%	59.27%
2024-12-31	153	0.72%	14.66%	36.19%	50.47%	59.36%
2024-09-30	148	0.46%	15.10%	36.37%	50.88%	60.98%
2024-06-30	154	0.84%	15.69%	36.47%	51.04%	59.54%
2024-03-31	155	0.86%	15.83%	36.41%	51.59%	61.10%
2023-12-31	151	0.54%	15.74%	35.95%	50.70%	61.61%
2023-09-30	155	1.65%	15.79%	35.66%	50.62%	61.89%
2023-06-30	155	1.60%	15.99%	35.76%	50.49%	61.02%
2023-03-31	157	1.82%	16.15%	36.08%	50.74%	60.62%
2022-12-31	157	2.47%	15.92%	35.76%	50.36%	61.36%
2022-09-30	157	1.59%	16.04%	35.41%	48.50%	60.93%
2022-06-30	158	1.56%	16.11%	35.84%	48.70%	61.07%
2022-03-31	159	1.65%	15.91%	35.38%	49.02%	60.98%
2021-12-31	158	0.50%	15.16%	33.75%	48.73%	59.79%
2021-09-30	160	2.68%	15.82%	33.76%	48.20%	58.24%
2021-06-30	158	1.07%	15.46%	33.44%	47.22%	56.47%
2021-03-31	156	2.05%	15.08%	32.47%	45.54%	55.94%
2020-12-31	149	0.76%	14.90%	32.79%	45.57%	54.44%
2020-09-30	149	0.79%	14.71%	30.86%	43.85%	51.94%
2020-06-30	146	0.84%	14.02%	30.17%	43.51%	51.43%
2020-03-31	142	0.82%	13.17%	31.42%	46.45%	54.69%
2019-12-31	139	0.53%	13.89%	30.48%	46.04%	54.73%
2019-09-30	142	0.44%	13.53%	29.87%	45.73%	54.47%
2019-06-30	140	0.22%	13.55%	29.48%	45.40%	54.17%
2019-03-31	140	0.14%	13.08%	28.60%	45.40%	54.21%
2018-12-31	136	0.14%	12.99%	27.17%	45.00%	52.15%
2018-09-30	137	0.11%	13.57%	27.58%	45.05%	52.16%
2018-06-30	134	0.20%	13.78%	27.63%	44.78%	51.61%
2018-03-31	132	0.05%	13.28%	25.81%	44.24%	51.26%
2017-12-31	123	0.05%	12.55%	24.98%	41.04%	48.29%
2017-09-30	125	0.04%	12.80%	25.17%	41.49%	48.79%
2017-06-30	121	0.03%	12.50%	23.93%	41.29%	47.62%
2017-03-31	118	0.05%	11.80%	24.11%	40.51%	47.64%
2016-12-31	113	0.03%	11.13%	22.94%	38.00%	46.95%
2016-09-30	113	0.03%	10.38%	22.92%	37.09%	47.29%

Source: FFIEC Call Reports; OptimaYield versioned semantic layer. Population can change with filings, failures, mergers and eligibility. Missing values are excluded, never converted to zero.

Current distribution

Percentile history

Percentiles exclude unavailable values; they do not convert missing observations to zero.

Period	Population	P10	P25	Median	P75	P90
2026-06-30	4166	7.51%	16.97%	33.59%	48.92%	61.83%
2026-03-31	1004	18.85%	34.50%	45.84%	56.09%	67.69%
2025-12-31	1000	18.17%	34.54%	46.03%	56.26%	66.85%
2025-09-30	997	18.75%	34.03%	45.90%	56.24%	66.84%
2025-06-30	144	1.81%	14.89%	36.12%	50.64%	58.12%
2025-03-31	151	0.49%	15.55%	36.44%	50.69%	59.27%
2024-12-31	153	0.72%	14.66%	36.19%	50.47%	59.36%
2024-09-30	148	0.46%	15.10%	36.37%	50.88%	60.98%
2024-06-30	154	0.84%	15.69%	36.47%	51.04%	59.54%
2024-03-31	155	0.86%	15.83%	36.41%	51.59%	61.10%
2023-12-31	151	0.54%	15.74%	35.95%	50.70%	61.61%
2023-09-30	155	1.65%	15.79%	35.66%	50.62%	61.89%
2023-06-30	155	1.60%	15.99%	35.76%	50.49%	61.02%
2023-03-31	157	1.82%	16.15%	36.08%	50.74%	60.62%
2022-12-31	157	2.47%	15.92%	35.76%	50.36%	61.36%
2022-09-30	157	1.59%	16.04%	35.41%	48.50%	60.93%
2022-06-30	158	1.56%	16.11%	35.84%	48.70%	61.07%
2022-03-31	159	1.65%	15.91%	35.38%	49.02%	60.98%
2021-12-31	158	0.50%	15.16%	33.75%	48.73%	59.79%
2021-09-30	160	2.68%	15.82%	33.76%	48.20%	58.24%
2021-06-30	158	1.07%	15.46%	33.44%	47.22%	56.47%
2021-03-31	156	2.05%	15.08%	32.47%	45.54%	55.94%
2020-12-31	149	0.76%	14.90%	32.79%	45.57%	54.44%
2020-09-30	149	0.79%	14.71%	30.86%	43.85%	51.94%
2020-06-30	146	0.84%	14.02%	30.17%	43.51%	51.43%
2020-03-31	142	0.82%	13.17%	31.42%	46.45%	54.69%
2019-12-31	139	0.53%	13.89%	30.48%	46.04%	54.73%
2019-09-30	142	0.44%	13.53%	29.87%	45.73%	54.47%
2019-06-30	140	0.22%	13.55%	29.48%	45.40%	54.17%
2019-03-31	140	0.14%	13.08%	28.60%	45.40%	54.21%
2018-12-31	136	0.14%	12.99%	27.17%	45.00%	52.15%
2018-09-30	137	0.11%	13.57%	27.58%	45.05%	52.16%
2018-06-30	134	0.20%	13.78%	27.63%	44.78%	51.61%
2018-03-31	132	0.05%	13.28%	25.81%	44.24%	51.26%
2017-12-31	123	0.05%	12.55%	24.98%	41.04%	48.29%
2017-09-30	125	0.04%	12.80%	25.17%	41.49%	48.79%
2017-06-30	121	0.03%	12.50%	23.93%	41.29%	47.62%
2017-03-31	118	0.05%	11.80%	24.11%	40.51%	47.64%
2016-12-31	113	0.03%	11.13%	22.94%	38.00%	46.95%
2016-09-30	113	0.03%	10.38%	22.92%	37.09%	47.29%
2016-06-30	111	0.02%	10.40%	22.04%	36.13%	45.41%
2016-03-31	108	0.00%	9.24%	20.74%	34.42%	45.09%

Institution drilldown

Highest reported values

Institution drilldown

Lowest reported values

Institution discovery

Search verified rankings by quarter

4,166 matched institutions · selected period 2026-06-30

Reporting quarterBank name or FDIC certificateOrder

Rank	Institution	FDIC	Value	Percentile
#1	TRANSACT BANK NATIONAL ASSN	13986	100.00%	P100
#1	LIBERTY BANK OF NEW JERSEY	59369	100.00%	P100
#3	EASTERN INTERNATIONAL BANK	32277	100.00%	P100
#4	FIRST FS&LA OF SAN RAFAEL	31406	99.18%	P100
#5	GENERATIONS COMMUNITY BANK	59365	99.00%	P100
#6	STATE BANK OF TEXAS	27074	98.87%	P100
#7	ONEUNITED BANK	23966	97.81%	P100
#8	HCN BANK	21606	97.39%	P100
#9	FIVE RIVERS BANK	59345	96.78%	P100
#10	UNITED PACIFIC BANK	23805	96.47%	P100
#11	UNIVERSAL BANK	30722	95.56%	P100
#12	CROWN BANK	34259	94.88%	P100
#13	BANK OF NEW ENGLAND	24540	94.69%	P100
#14	FIRST SECURITY BANK OF NV	58443	94.65%	P100
#15	ASIAN PACIFIC NATIONAL BANK	33013	94.00%	P100
#16	ONE WORLD BANK	57901	93.96%	P100
#17	MALAGA BANK FSB	32282	93.64%	P100
#18	FIRST FS OF MIDDLETOWN	28712	92.95%	P100
#19	LIBERTY BANK NATIONAL ASSN	35331	92.67%	P100
#20	GBANK	58626	91.32%	P100
#21	RIVER CITY BANK	18983	90.83%	P100
#22	COMMUNITY FSB	57129	90.70%	P99
#23	AMALGAMATED BANK OF CHICAGO	903	90.50%	P99
#24	GENESIS BANK	59245	90.49%	P99
#25	FAHEY BANKING CO	2068	89.81%	P99
#26	CHINO COMMERCIAL BANK N A	35366	89.05%	P99
#27	TOUCHMARK NATIONAL BANK	58687	88.90%	P99
#28	AMERICAN FIRST NATIONAL BANK	34656	88.46%	P99
#29	CALIFORNIA INTL BANK N A	57974	88.42%	P99
#30	GBC INTERNATIONAL BANK	22366	88.19%	P99
#31	GRAND RIDGE NATIONAL BANK	3674	87.44%	P99
#32	FIRST GENERAL BANK	58060	87.31%	P99
#33	CHAMPION BANK	57031	87.06%	P99
#34	METROPOLITAN COMMERCIAL BANK	34699	86.75%	P99
#35	SCHERTZ BANK&TRUST	10344	86.37%	P99
#36	COMMONWEALTH BUSINESS BANK	57873	86.29%	P99
#37	GOLDEN BANK NATIONAL ASSN	26223	85.89%	P99
#38	AMERICAN PRIDE BANK	58584	85.80%	P99
#39	AMBOY BANK	6423	85.49%	P99
#40	NORTHFIELD BANK	28710	85.47%	P99
#41	UNION BANK&TRUST CO	22242	85.35%	P99
#42	TOWN&COUNTRY BANK	57312	85.07%	P99
#43	ASIAN BANK	34759	84.84%	P99
#44	SOUTHWESTERN NATIONAL BANK	34319	84.70%	P99
#45	BANK OF WISCONSIN DELLS	15136	84.57%	P99
#46	ATLANTIC CMTY BANKERS BANK	24829	84.56%	P99
#47	EASTBANK NATIONAL ASSN	25749	84.35%	P99
#48	AMERICAN PLUS BANK N A	58469	84.34%	P99
#49	FIRST CREDIT BANK	24332	84.23%	P99
#50	PIKES PEAK NATIONAL BANK	17782	83.99%	P99

Related metrics

Other definitions from the same schedule or domain

Grouped by shared source schedule where derivable, otherwise by the same analytical domain — not a claim of statistical correlation.

Reported values and deterministic derived observations are research inputs, not ratings or predictions. Cohort composition changes over time; use peer reports for a controlled cohort comparison.