How is Selected CRE loans to total capital calculated?

RC-C I (F159 + 1460 + F160 + F161) / RC-R I standardized 3792. Null policy: abstain if missing.

What source schedule does Selected CRE loans to total capital come from?

RCR, per official FFIEC Call Report instructions.

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.

What is the 300% CRE concentration guidance?

Interagency guidance issued in 2006 describes a supervisory threshold of 300% of total capital for commercial real estate lending when the portfolio has also grown by 50% or more over the prior three years. Crossing it does not breach a rule; it signals that examiners will look more closely at risk management.

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 total capital

Matched bank and standardized capital; not supervisory CRE concentration. Quarter-end reported balances. Source evidence: metric-source-contract-validation.json SHA256 38fdaa264d855efba9eacd852269d1d5ed33a76f4620c7726d21828dfb5e9a7d Open official FFIEC instructions ↗

In plain English

Selected CRE loans to total capital: what it shows

A selected group of commercial real estate loan categories divided by the bank's total risk-based capital, so the figure shows CRE exposure as a multiple of capital.

Where reporting institutions stand now

As of Q2 2026, 2,457 banks reported a verified value for selected cre loans to total capital. The median was 210.4%, the middle half of them fell between 92.4% and 315.4%, and the range from the 10th to the 90th percentile ran 25.1% to 399.4%.

Over the last four quarters the median moved from 227.4% in Q2 2025 to 210.4%, down 16.96 percentage points.

Across the 42 quarters on record, from Q1 2016, the median has ranged from 128.7% (Q1 2016) to 291.8% (Q3 2025).

Why it matters

Interagency guidance from 2006 treats a CRE total at or above 300% of total capital, combined with fast growth over three years, as a level that calls for closer supervisory attention. Capital is the cushion that absorbs CRE losses, so this ratio links concentration to loss-absorbing capacity.

How to read it

A higher multiple means more CRE exposure for each dollar of capital. Read it with the CRE-to-loans share and the CRE noncurrent ratio.

What to watch for

The guidance has its own definition of CRE, and this page's selected categories follow the formula in the calculation contract, so treat the figure as a screen and not as a regulatory measure. Banks that do not report risk-based capital are not included.

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.
What is the 300% CRE concentration guidance?: Interagency guidance issued in 2006 describes a supervisory threshold of 300% of total capital for commercial real estate lending when the portfolio has also grown by 50% or more over the prior three years. Crossing it does not breach a rule; it signals that examiners will look more closely at risk management.
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 quarters2457 current observationsRATIO unit

Calculation contract

`RC-C I (F159 + 1460 + F160 + F161) / RC-R I standardized 3792`

Source schedule: RCR

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) / RC-R I standardized 3792Null policy: abstain if missing
v1 · 2016-01-01 to superseded: (RC-C F159 + 1460 + F160 + F161) / RC-R 3792Null policy: abstain if missing

Reading this page

Percentiles describe position, not merit.

P10 through P90 below mark where 2457 banks' reported selected cre loans to total capital 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 total capital — covered-bank median

View chart data as a table

Period	Value	Revision	Event
2016-09-30	143.3 percent	No marker	None
2016-12-31	142.514 percent	No marker	None
2017-03-31	150.339 percent	No marker	None
2017-06-30	155.315 percent	No marker	None
2017-09-30	166.611 percent	No marker	None
2017-12-31	160.873 percent	No marker	None
2018-03-31	183.831 percent	No marker	None
2018-06-30	189.941 percent	No marker	None
2018-09-30	189.585 percent	No marker	None
2018-12-31	192.487 percent	No marker	None
2019-03-31	197.32 percent	No marker	None
2019-06-30	199.249 percent	No marker	None
2019-09-30	201.384 percent	No marker	None
2019-12-31	209.842 percent	No marker	None
2020-03-31	210.662 percent	No marker	None
2020-06-30	212.34 percent	No marker	None
2020-09-30	214.26 percent	No marker	None
2020-12-31	215.819 percent	No marker	None
2021-03-31	213.31 percent	No marker	None
2021-06-30	210.833 percent	No marker	None
2021-09-30	207.184 percent	No marker	None
2021-12-31	208.416 percent	No marker	None
2022-03-31	210.065 percent	No marker	None
2022-06-30	210.402 percent	No marker	None
2022-09-30	217.783 percent	No marker	None
2022-12-31	220.716 percent	No marker	None
2023-03-31	228.039 percent	No marker	None
2023-06-30	228.725 percent	No marker	None
2023-09-30	225.849 percent	No marker	None
2023-12-31	225.237 percent	No marker	None
2024-03-31	224.387 percent	No marker	None
2024-06-30	220.677 percent	No marker	None
2024-09-30	228.508 percent	No marker	None
2024-12-31	222.757 percent	No marker	None
2025-03-31	229.587 percent	No marker	None
2025-06-30	227.365 percent	No marker	None
2025-09-30	291.822 percent	No marker	None
2025-12-31	290.922 percent	No marker	None
2026-03-31	290.712 percent	No marker	None
2026-06-30	210.401 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 total capital across covered banks

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

2026-06-30 latest period2,457 observations210.40% median92.44%–315.45% interquartile range

View distribution data as a table

Period	Population	P10	P25	Median	P75	P90
2026-06-30	2,457	25.10%	92.44%	210.40%	315.45%	399.42%
2026-03-31	840	82.73%	205.33%	290.71%	368.52%	437.10%
2025-12-31	852	86.12%	209.90%	290.92%	371.89%	440.43%
2025-09-30	854	81.83%	210.22%	291.82%	371.23%	438.55%
2025-06-30	152	12.53%	82.56%	227.36%	325.76%	383.84%
2025-03-31	155	3.02%	78.38%	229.59%	326.45%	381.76%
2024-12-31	157	2.27%	77.82%	222.76%	326.20%	382.07%
2024-09-30	156	3.09%	82.15%	228.51%	330.00%	390.26%
2024-06-30	155	3.17%	84.13%	220.68%	331.41%	391.50%
2024-03-31	157	1.95%	84.62%	224.39%	334.71%	417.56%
2023-12-31	157	1.97%	85.47%	225.24%	330.95%	420.22%
2023-09-30	156	2.85%	89.69%	225.85%	330.28%	410.98%
2023-06-30	155	3.03%	87.81%	228.73%	335.33%	414.93%
2023-03-31	159	5.93%	93.53%	228.04%	334.13%	416.68%
2022-12-31	158	7.20%	88.48%	220.72%	323.37%	404.02%
2022-09-30	158	1.83%	90.92%	217.78%	317.31%	390.85%
2022-06-30	158	1.35%	87.97%	210.40%	315.14%	390.82%
2022-03-31	160	1.56%	85.60%	210.06%	312.14%	391.14%
2021-12-31	159	0.35%	77.95%	208.42%	305.03%	381.83%
2021-09-30	161	1.69%	85.72%	207.18%	296.76%	359.20%
2021-06-30	160	2.17%	82.21%	210.83%	296.17%	360.98%
2021-03-31	158	2.78%	84.92%	213.31%	299.53%	362.87%
2020-12-31	150	2.66%	85.94%	215.82%	304.14%	373.40%
2020-09-30	150	2.72%	83.54%	214.26%	302.47%	377.27%
2020-06-30	147	2.05%	81.07%	212.34%	308.95%	379.57%
2020-03-31	143	1.43%	78.22%	210.66%	304.90%	381.59%
2019-12-31	140	0.97%	77.07%	209.84%	308.46%	371.72%
2019-09-30	143	1.15%	78.62%	201.38%	307.17%	375.16%
2019-06-30	140	1.57%	78.18%	199.25%	308.11%	378.91%
2019-03-31	140	0.75%	71.89%	197.32%	299.44%	373.51%
2018-12-31	136	0.83%	73.17%	192.49%	303.55%	370.13%
2018-09-30	137	0.57%	76.79%	189.59%	302.86%	366.30%
2018-06-30	134	0.81%	80.98%	189.94%	306.82%	364.23%
2018-03-31	132	0.33%	77.76%	183.83%	309.40%	362.75%
2017-12-31	123	0.28%	61.49%	160.87%	308.32%	345.30%
2017-09-30	125	0.25%	65.50%	166.61%	306.88%	358.91%
2017-06-30	121	0.22%	46.39%	155.31%	297.25%	346.98%
2017-03-31	118	0.21%	45.74%	150.34%	285.95%	348.46%
2016-12-31	113	0.17%	41.46%	142.51%	269.59%	338.11%
2016-09-30	113	0.17%	40.91%	143.30%	261.65%	342.39%

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	2457	25.10%	92.44%	210.40%	315.45%	399.42%
2026-03-31	840	82.73%	205.33%	290.71%	368.52%	437.10%
2025-12-31	852	86.12%	209.90%	290.92%	371.89%	440.43%
2025-09-30	854	81.83%	210.22%	291.82%	371.23%	438.55%
2025-06-30	152	12.53%	82.56%	227.36%	325.76%	383.84%
2025-03-31	155	3.02%	78.38%	229.59%	326.45%	381.76%
2024-12-31	157	2.27%	77.82%	222.76%	326.20%	382.07%
2024-09-30	156	3.09%	82.15%	228.51%	330.00%	390.26%
2024-06-30	155	3.17%	84.13%	220.68%	331.41%	391.50%
2024-03-31	157	1.95%	84.62%	224.39%	334.71%	417.56%
2023-12-31	157	1.97%	85.47%	225.24%	330.95%	420.22%
2023-09-30	156	2.85%	89.69%	225.85%	330.28%	410.98%
2023-06-30	155	3.03%	87.81%	228.73%	335.33%	414.93%
2023-03-31	159	5.93%	93.53%	228.04%	334.13%	416.68%
2022-12-31	158	7.20%	88.48%	220.72%	323.37%	404.02%
2022-09-30	158	1.83%	90.92%	217.78%	317.31%	390.85%
2022-06-30	158	1.35%	87.97%	210.40%	315.14%	390.82%
2022-03-31	160	1.56%	85.60%	210.06%	312.14%	391.14%
2021-12-31	159	0.35%	77.95%	208.42%	305.03%	381.83%
2021-09-30	161	1.69%	85.72%	207.18%	296.76%	359.20%
2021-06-30	160	2.17%	82.21%	210.83%	296.17%	360.98%
2021-03-31	158	2.78%	84.92%	213.31%	299.53%	362.87%
2020-12-31	150	2.66%	85.94%	215.82%	304.14%	373.40%
2020-09-30	150	2.72%	83.54%	214.26%	302.47%	377.27%
2020-06-30	147	2.05%	81.07%	212.34%	308.95%	379.57%
2020-03-31	143	1.43%	78.22%	210.66%	304.90%	381.59%
2019-12-31	140	0.97%	77.07%	209.84%	308.46%	371.72%
2019-09-30	143	1.15%	78.62%	201.38%	307.17%	375.16%
2019-06-30	140	1.57%	78.18%	199.25%	308.11%	378.91%
2019-03-31	140	0.75%	71.89%	197.32%	299.44%	373.51%
2018-12-31	136	0.83%	73.17%	192.49%	303.55%	370.13%
2018-09-30	137	0.57%	76.79%	189.59%	302.86%	366.30%
2018-06-30	134	0.81%	80.98%	189.94%	306.82%	364.23%
2018-03-31	132	0.33%	77.76%	183.83%	309.40%	362.75%
2017-12-31	123	0.28%	61.49%	160.87%	308.32%	345.30%
2017-09-30	125	0.25%	65.50%	166.61%	306.88%	358.91%
2017-06-30	121	0.22%	46.39%	155.31%	297.25%	346.98%
2017-03-31	118	0.21%	45.74%	150.34%	285.95%	348.46%
2016-12-31	113	0.17%	41.46%	142.51%	269.59%	338.11%
2016-09-30	113	0.17%	40.91%	143.30%	261.65%	342.39%
2016-06-30	111	0.16%	42.65%	131.77%	245.94%	333.37%
2016-03-31	108	0.01%	34.67%	128.72%	219.51%	325.13%

Institution drilldown

Highest reported values

#1TIOGA-FRANKLIN SAVINGS BANK991.47%
#2CARVER FEDERAL SAVINGS BANK693.89%
#3RIVER CITY BANK675.32%
#4UNION NB&T CO OF ELGIN652.74%
#5FIRST BANK OF THE LAKE650.02%
#6FREEDOM BANK648.75%
#7CITIZENS BANK641.34%
#8ENTERPRISE BANK638.96%
#9FIVE STAR BANK636.08%
#10FIRST NB OF MICHIGAN622.17%

Institution drilldown

Lowest reported values

Institution discovery

Search verified rankings by quarter

2,457 matched institutions · selected period 2026-06-30

Reporting quarterBank name or FDIC certificateOrder

Rank	Institution	FDIC	Value	Percentile
#1	TIOGA-FRANKLIN SAVINGS BANK	33802	991.47%	P100
#2	CARVER FEDERAL SAVINGS BANK	30394	693.89%	P100
#3	RIVER CITY BANK	18983	675.32%	P100
#4	UNION NB&T CO OF ELGIN	3661	652.74%	P100
#5	FIRST BANK OF THE LAKE	26960	650.02%	P100
#6	FREEDOM BANK	58712	648.75%	P100
#7	CITIZENS BANK	16817	641.34%	P100
#8	ENTERPRISE BANK	34786	638.96%	P100
#9	FIVE STAR BANK	35361	636.08%	P100
#10	FIRST NB OF MICHIGAN	58259	622.17%	P100
#11	FIRST COMMERCE BANK	58054	620.08%	P100
#12	OCEAN BANK	24156	619.20%	P100
#13	METROPOLITAN COMMERCIAL BANK	34699	599.72%	P100
#14	BANK FIVE NINE	12517	587.67%	P99
#15	ALMA BANK	58424	587.18%	P99
#16	HURON VALLEY STATE BANK	57990	587.02%	P99
#17	PRIME SECURITY BANK	10971	585.92%	P99
#18	MARQUETTE BANK	16250	580.09%	P99
#19	COMMERCIAL BANK OF CA	57417	579.02%	P99
#20	VISIONBANK	58063	574.15%	P99
#21	FREEDOM FINANCIAL BANK	35031	570.24%	P99
#22	UNIBANK	58407	569.55%	P99
#23	RIVERHILLS BANK	6662	567.19%	P99
#24	BARWICK BANKING CO	22205	565.68%	P99
#25	LAKESIDE BANK	19573	563.77%	P99
#26	WEST VALLEY NATIONAL BANK	58426	561.37%	P99
#27	US METRO BANK	58310	559.86%	P99
#28	POPPY BANK	57903	556.56%	P99
#29	COMMUNITY BANK MANKATO	9760	556.41%	P99
#30	UNITED BUSINESS BANK	57716	554.67%	P99
#31	FARMERS&MERCHANTS BANK	1895	552.83%	P99
#32	SPENCER SAVINGS BANK SLA	30076	551.87%	P99
#33	FIRST RESOURCE BANK	57967	550.53%	P99
#34	PARTNERS BANK OF CALIFORNIA	58588	548.03%	P99
#35	PAN AMERICAN BANK&TRUST	34108	547.68%	P99
#36	INTRACOASTAL BANK	58692	547.44%	P99
#37	BANKWELL BANK	57368	547.04%	P99
#38	HINGHAM INST FOR SVG	90211	544.50%	P98
#39	DMB COMMUNITY BANK	14769	544.37%	P98
#40	SOUTHWESTERN NATIONAL BANK	34319	539.53%	P98
#41	CAPITAL BANK	19401	538.41%	P98
#42	NANO BANC	58590	534.58%	P98
#43	CONNECTONE BANK	57919	532.28%	P98
#44	GENESIS BANK	59245	532.04%	P98
#45	AMERICAN BANK	34422	526.93%	P98
#46	KEARNY BANK	28765	526.56%	P98
#47	GRAND RIVER BANK	58789	525.27%	P98
#48	PROVIDENT BANK	12010	524.81%	P98
#49	RIVER BANK	14995	522.66%	P98
#50	LIBERTY BANK NATIONAL ASSN	35331	519.31%	P98

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.