Lending & concentration · Versioned metric research
Quarterly loan growth
Same reporting RSSD and office scope; reported growth, not organic growth. Consecutive quarter-end balances. Source evidence: metric-source-contract-validation.json SHA256 38fdaa264d855efba9eacd852269d1d5ed33a76f4620c7726d21828dfb5e9a7d Open official FFIEC instructions ↗
In plain English
Quarterly loan growth: what it shows
The change in loans and leases from the previous quarter, as a percentage.
Where reporting institutions stand now
As of Q2 2026, 4,199 banks reported a verified value for quarterly loan growth. The median was 1.65%, the middle half of them fell between -0.13% and 3.75%, and the range from the 10th to the 90th percentile ran -2.04% to 6.43%.
Over the last four quarters the median moved from 1.59% in Q2 2025 to 1.65%, up 0.06 percentage points.
Across the 41 quarters on record, from Q2 2016, the median has ranged from -1.12% (Q2 2021) to 3.87% (Q2 2022).
Why it matters
Fast growth can outrun a bank's underwriting, capital or funding; shrinking loans can signal weak demand or a deliberate pullback.
How to read it
Look at a run of quarters, not one. Compare with banks of similar size and with the bank's own history.
What to watch for
Acquisitions, loan purchases and sales, and charge-offs all change the figure without reflecting organic lending, so a jump may be a merger.
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.
Related: Research: loan growth breadth
Calculation contract
current RC-C I 2122 / immediately preceding quarter RC-C I 2122 - 1
Source schedule: Not derivable from this formula
Null policy: abstain if missing
Effective: 2016-03-31 to 2026-06-30
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
current RC-C I 2122 / immediately preceding quarter RC-C I 2122 - 1Null policy: abstain if missing- v1 · 2016-01-01 to superseded
(current RC 2122 / prior RC 2122) - 1Null policy: abstain if missing
Percentiles describe position, not merit.
P10 through P90 below mark where 4199 banks' reported quarterly loan growth 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
Quarterly loan growth — covered-bank median
View chart data as a table
| Period | Value | Revision | Event |
|---|---|---|---|
| 2016-09-30 | 1.517 percent | No marker | None |
| 2016-12-31 | 1.528 percent | No marker | None |
| 2017-03-31 | 0.26 percent | No marker | None |
| 2017-06-30 | 1.877 percent | No marker | None |
| 2017-09-30 | 1.123 percent | No marker | None |
| 2017-12-31 | 1.734 percent | No marker | None |
| 2018-03-31 | 0.493 percent | No marker | None |
| 2018-06-30 | 1.432 percent | No marker | None |
| 2018-09-30 | 1.172 percent | No marker | None |
| 2018-12-31 | 2.013 percent | No marker | None |
| 2019-03-31 | 0.561 percent | No marker | None |
| 2019-06-30 | 1.674 percent | No marker | None |
| 2019-09-30 | 1.196 percent | No marker | None |
| 2019-12-31 | 1.239 percent | No marker | None |
| 2020-03-31 | 2.323 percent | No marker | None |
| 2020-06-30 | 3.345 percent | No marker | None |
| 2020-09-30 | -0.036 percent | No marker | None |
| 2020-12-31 | -0.576 percent | No marker | None |
| 2021-03-31 | -0.015 percent | No marker | None |
| 2021-06-30 | -1.12 percent | No marker | None |
| 2021-09-30 | -0.174 percent | No marker | None |
| 2021-12-31 | 2.262 percent | No marker | None |
| 2022-03-31 | 1.578 percent | No marker | None |
| 2022-06-30 | 3.873 percent | No marker | None |
| 2022-09-30 | 2.695 percent | No marker | None |
| 2022-12-31 | 2.482 percent | No marker | None |
| 2023-03-31 | 1.244 percent | No marker | None |
| 2023-06-30 | 1.361 percent | No marker | None |
| 2023-09-30 | 0.641 percent | No marker | None |
| 2023-12-31 | 0.736 percent | No marker | None |
| 2024-03-31 | 0.17 percent | No marker | None |
| 2024-06-30 | 0.777 percent | No marker | None |
| 2024-09-30 | 0.209 percent | No marker | None |
| 2024-12-31 | 0.732 percent | No marker | None |
| 2025-03-31 | 0.488 percent | No marker | None |
| 2025-06-30 | 1.593 percent | No marker | None |
| 2025-09-30 | 0.964 percent | No marker | None |
| 2025-12-31 | 1.303 percent | No marker | None |
| 2026-03-31 | 0.756 percent | No marker | None |
| 2026-06-30 | 1.653 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
Quarterly loan growth across covered banks
Median with interquartile and P10–P90 ranges across verified observations.
View distribution data as a table
| Period | Population | P10 | P25 | Median | P75 | P90 |
|---|---|---|---|---|---|---|
| 2026-06-30 | 4,199 | -2.04% | -0.13% | 1.65% | 3.75% | 6.43% |
| 2026-03-31 | 1,018 | -1.80% | -0.44% | 0.76% | 2.32% | 4.58% |
| 2025-12-31 | 1,028 | -1.70% | -0.10% | 1.30% | 2.91% | 5.07% |
| 2025-09-30 | 152 | -1.53% | -0.07% | 0.96% | 2.17% | 6.09% |
| 2025-06-30 | 152 | -0.78% | 0.46% | 1.59% | 2.84% | 6.87% |
| 2025-03-31 | 155 | -2.25% | -0.71% | 0.49% | 1.38% | 3.52% |
| 2024-12-31 | 157 | -1.75% | -0.40% | 0.73% | 2.12% | 3.65% |
| 2024-09-30 | 155 | -2.10% | -0.68% | 0.21% | 1.41% | 2.93% |
| 2024-06-30 | 154 | -1.24% | -0.06% | 0.78% | 2.36% | 3.99% |
| 2024-03-31 | 155 | -2.03% | -0.81% | 0.17% | 1.11% | 2.45% |
| 2023-12-31 | 153 | -2.52% | -0.16% | 0.74% | 2.20% | 4.27% |
| 2023-09-30 | 153 | -2.51% | -0.55% | 0.64% | 2.04% | 3.64% |
| 2023-06-30 | 155 | -1.80% | 0.07% | 1.36% | 2.85% | 4.82% |
| 2023-03-31 | 151 | -1.55% | 0.04% | 1.24% | 2.37% | 4.38% |
| 2022-12-31 | 154 | -1.90% | 1.14% | 2.48% | 3.89% | 5.66% |
| 2022-09-30 | 156 | -0.52% | 1.07% | 2.70% | 4.10% | 5.90% |
| 2022-06-30 | 156 | 0.73% | 2.25% | 3.87% | 6.41% | 10.12% |
| 2022-03-31 | 150 | -1.21% | 0.20% | 1.58% | 3.40% | 7.74% |
| 2021-12-31 | 152 | -1.08% | -0.00% | 2.26% | 5.29% | 10.30% |
| 2021-09-30 | 156 | -3.54% | -1.71% | -0.17% | 1.94% | 5.96% |
| 2021-06-30 | 155 | -4.69% | -2.68% | -1.12% | 1.29% | 5.68% |
| 2021-03-31 | 145 | -3.70% | -1.83% | -0.01% | 1.79% | 4.82% |
| 2020-12-31 | 147 | -4.04% | -2.46% | -0.58% | 0.91% | 4.17% |
| 2020-09-30 | 145 | -3.36% | -1.81% | -0.04% | 1.41% | 4.36% |
| 2020-06-30 | 141 | -6.96% | -1.16% | 3.34% | 9.59% | 12.52% |
| 2020-03-31 | 134 | -2.22% | 0.80% | 2.32% | 4.84% | 9.14% |
| 2019-12-31 | 139 | -1.00% | -0.19% | 1.24% | 2.90% | 5.60% |
| 2019-09-30 | 138 | -1.09% | 0.08% | 1.20% | 2.48% | 6.16% |
| 2019-06-30 | 138 | -0.82% | 0.70% | 1.67% | 3.28% | 6.55% |
| 2019-03-31 | 132 | -2.85% | -0.52% | 0.56% | 1.81% | 2.84% |
| 2018-12-31 | 136 | -0.39% | 0.84% | 2.01% | 3.75% | 6.34% |
| 2018-09-30 | 131 | -1.12% | -0.01% | 1.17% | 2.18% | 4.41% |
| 2018-06-30 | 126 | -0.97% | 0.55% | 1.43% | 2.97% | 4.65% |
| 2018-03-31 | 122 | -2.14% | -0.53% | 0.49% | 1.89% | 5.11% |
| 2017-12-31 | 120 | -0.74% | 0.41% | 1.73% | 3.96% | 7.12% |
| 2017-09-30 | 120 | -1.32% | 0.25% | 1.12% | 2.57% | 4.27% |
| 2017-06-30 | 118 | -0.69% | 0.71% | 1.88% | 3.10% | 5.20% |
| 2017-03-31 | 114 | -4.12% | -1.08% | 0.26% | 1.70% | 3.51% |
| 2016-12-31 | 113 | -2.50% | -0.05% | 1.53% | 3.29% | 6.51% |
| 2016-09-30 | 110 | -2.23% | 0.12% | 1.52% | 2.94% | 5.46% |
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 | 4199 | -2.04% | -0.13% | 1.65% | 3.75% | 6.43% |
| 2026-03-31 | 1018 | -1.80% | -0.44% | 0.76% | 2.32% | 4.58% |
| 2025-12-31 | 1028 | -1.70% | -0.10% | 1.30% | 2.91% | 5.07% |
| 2025-09-30 | 152 | -1.53% | -0.07% | 0.96% | 2.17% | 6.09% |
| 2025-06-30 | 152 | -0.78% | 0.46% | 1.59% | 2.84% | 6.87% |
| 2025-03-31 | 155 | -2.25% | -0.71% | 0.49% | 1.38% | 3.52% |
| 2024-12-31 | 157 | -1.75% | -0.40% | 0.73% | 2.12% | 3.65% |
| 2024-09-30 | 155 | -2.10% | -0.68% | 0.21% | 1.41% | 2.93% |
| 2024-06-30 | 154 | -1.24% | -0.06% | 0.78% | 2.36% | 3.99% |
| 2024-03-31 | 155 | -2.03% | -0.81% | 0.17% | 1.11% | 2.45% |
| 2023-12-31 | 153 | -2.52% | -0.16% | 0.74% | 2.20% | 4.27% |
| 2023-09-30 | 153 | -2.51% | -0.55% | 0.64% | 2.04% | 3.64% |
| 2023-06-30 | 155 | -1.80% | 0.07% | 1.36% | 2.85% | 4.82% |
| 2023-03-31 | 151 | -1.55% | 0.04% | 1.24% | 2.37% | 4.38% |
| 2022-12-31 | 154 | -1.90% | 1.14% | 2.48% | 3.89% | 5.66% |
| 2022-09-30 | 156 | -0.52% | 1.07% | 2.70% | 4.10% | 5.90% |
| 2022-06-30 | 156 | 0.73% | 2.25% | 3.87% | 6.41% | 10.12% |
| 2022-03-31 | 150 | -1.21% | 0.20% | 1.58% | 3.40% | 7.74% |
| 2021-12-31 | 152 | -1.08% | -0.00% | 2.26% | 5.29% | 10.30% |
| 2021-09-30 | 156 | -3.54% | -1.71% | -0.17% | 1.94% | 5.96% |
| 2021-06-30 | 155 | -4.69% | -2.68% | -1.12% | 1.29% | 5.68% |
| 2021-03-31 | 145 | -3.70% | -1.83% | -0.01% | 1.79% | 4.82% |
| 2020-12-31 | 147 | -4.04% | -2.46% | -0.58% | 0.91% | 4.17% |
| 2020-09-30 | 145 | -3.36% | -1.81% | -0.04% | 1.41% | 4.36% |
| 2020-06-30 | 141 | -6.96% | -1.16% | 3.34% | 9.59% | 12.52% |
| 2020-03-31 | 134 | -2.22% | 0.80% | 2.32% | 4.84% | 9.14% |
| 2019-12-31 | 139 | -1.00% | -0.19% | 1.24% | 2.90% | 5.60% |
| 2019-09-30 | 138 | -1.09% | 0.08% | 1.20% | 2.48% | 6.16% |
| 2019-06-30 | 138 | -0.82% | 0.70% | 1.67% | 3.28% | 6.55% |
| 2019-03-31 | 132 | -2.85% | -0.52% | 0.56% | 1.81% | 2.84% |
| 2018-12-31 | 136 | -0.39% | 0.84% | 2.01% | 3.75% | 6.34% |
| 2018-09-30 | 131 | -1.12% | -0.01% | 1.17% | 2.18% | 4.41% |
| 2018-06-30 | 126 | -0.97% | 0.55% | 1.43% | 2.97% | 4.65% |
| 2018-03-31 | 122 | -2.14% | -0.53% | 0.49% | 1.89% | 5.11% |
| 2017-12-31 | 120 | -0.74% | 0.41% | 1.73% | 3.96% | 7.12% |
| 2017-09-30 | 120 | -1.32% | 0.25% | 1.12% | 2.57% | 4.27% |
| 2017-06-30 | 118 | -0.69% | 0.71% | 1.88% | 3.10% | 5.20% |
| 2017-03-31 | 114 | -4.12% | -1.08% | 0.26% | 1.70% | 3.51% |
| 2016-12-31 | 113 | -2.50% | -0.05% | 1.53% | 3.29% | 6.51% |
| 2016-09-30 | 110 | -2.23% | 0.12% | 1.52% | 2.94% | 5.46% |
| 2016-06-30 | 108 | -1.36% | 0.73% | 2.11% | 3.51% | 5.74% |
Institution drilldown
Highest reported values
- #1HERITAGE BANK1229.52%
- #2FIVE RIVERS BANK489.54%
- #3SOLUTIONS PLUS BANK172.16%
- #4BANK OF JACKSON HOLE TRUST134.54%
- #5FIRST SECURITY BANK125.08%
- #6EAGLE ROCK BANK105.84%
- #7BATTLE BANK NATIONAL ASSN73.12%
- #8PINNACLE BANK70.35%
- #9SUNFLOWER BANK NATIONAL ASSN65.28%
- #10MERCHANTS&MARINE BANK52.87%
Institution drilldown
Lowest reported values
- #4190FIRST BANK OF OKARCHE-20.97%
- #4191BANK OF NEW YORK MELLON-22.81%
- #4192CENLAR FSB-23.13%
- #4193FIRST STATE BANK IN TEMPLE-26.36%
- #4194BRAZOS NATIONAL BANK-33.75%
- #4195NEW REPUBLIC BANK-36.60%
- #4196SMBC MANUBANK-38.04%
- #4197GREEN DOT BK DBA BONNEVILLE-38.77%
- #4198SUMITOMO MITSUI TR BK U SA-99.35%
- #4199CHARLES SCHWAB PREMIER BK SS-99.97%
Institution discovery
Search verified rankings by quarter
4,199 matched institutions · selected period 2026-06-30
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.