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.

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 ↗

v3 definition42 quarters816 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v1 · 2016-01-01 to superseded: (RC-C F159 + 1460 + F160 + F161) / RC-R 3792Null policy: abstain if missing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 816 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	287.798 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 period816 observations287.80% median205.32%–362.32% interquartile range

View distribution data as a table

Period	Population	P10	P25	Median	P75	P90
2026-06-30	816	81.24%	205.32%	287.80%	362.32%	431.41%
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	816	81.24%	205.32%	287.80%	362.32%	431.41%
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

Institution drilldown

Lowest reported values

Institution discovery

Search verified rankings by quarter

816 matched institutions · selected period 2026-06-30

Reporting quarterBank name or FDIC certificateOrder

Rank	Institution	FDIC	Value	Percentile
#1	RIVER CITY BANK	18983	675.32%	P100
#2	FIRST BANK OF THE LAKE	26960	650.02%	P100
#3	FIVE STAR BANK	35361	636.08%	P100
#4	FIRST COMMERCE BANK	58054	620.08%	P100
#5	OCEAN BANK	24156	619.20%	P100
#6	METROPOLITAN COMMERCIAL BANK	34699	599.72%	P99
#7	BANK FIVE NINE	12517	587.67%	P99
#8	ALMA BANK	58424	587.18%	P99
#9	MARQUETTE BANK	16250	580.09%	P99
#10	COMMERCIAL BANK OF CA	57417	579.02%	P99
#11	LAKESIDE BANK	19573	563.77%	P99
#12	US METRO BANK	58310	559.86%	P99
#13	POPPY BANK	57903	556.56%	P99
#14	UNITED BUSINESS BANK	57716	554.67%	P98
#15	SPENCER SAVINGS BANK SLA	30076	551.87%	P98
#16	BANKWELL BANK	57368	547.04%	P98
#17	HINGHAM INST FOR SVG	90211	544.50%	P98
#18	SOUTHWESTERN NATIONAL BANK	34319	539.53%	P98
#19	CONNECTONE BANK	57919	532.28%	P98
#20	AMERICAN BANK	34422	526.93%	P98
#21	KEARNY BANK	28765	526.56%	P98
#22	PROVIDENT BANK	12010	524.81%	P97
#23	RIVER BANK	14995	522.66%	P97
#24	AMALGAMATED BANK OF CHICAGO	903	510.24%	P97
#25	NORTHEAST BANK	19690	504.55%	P97
#26	BANK OF WISCONSIN DELLS	15136	500.17%	P97
#27	SOUTHPOINT BANK	58088	495.13%	P97
#28	GOLDEN BANK NATIONAL ASSN	26223	494.93%	P97
#29	BANK OF PRINCETON	58513	494.12%	P97
#30	INTERNATIONAL FINANCE BANK	24823	492.17%	P96
#31	MAINSTREET BANK	57742	491.55%	P96
#32	PARK BANK	19608	491.44%	P96
#33	LCNB NATIONAL BANK	6623	490.73%	P96
#34	CORNHUSKER BANK	14264	488.66%	P96
#35	PREMIER BANK	21714	486.15%	P96
#36	AMERICAN FIRST NATIONAL BANK	34656	486.08%	P96
#37	FIRST CAROLINA BANK	35530	483.85%	P96
#38	NEWTEK BANK NATIONAL ASSN	18734	482.70%	P95
#39	FIRST BANK	58481	481.40%	P95
#40	EVERETT COOP BANK	26444	478.42%	P95
#41	MALAGA BANK FSB	32282	472.81%	P95
#42	PCB BANK	57463	470.65%	P95
#43	AMERICAN RIVIERA BANK	58281	469.82%	P95
#44	SABINE STATE BANK&TRUST CO	8141	469.05%	P95
#45	KISH BANK	14969	466.90%	P95
#46	COMMERCIAL BANK	22354	466.51%	P94
#47	SUNWEST BANK	20164	465.00%	P94
#48	BRIDGEWATER BANK	58210	461.62%	P94
#49	BANK OF TENNESSEE	21573	460.03%	P94
#50	GREAT SOUTHERN BANK	29546	459.94%	P94

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.