How is UNDIVIDED PROFITS & CAPITAL RESERVES calculated?

REPORTED(RC:RCON3632). Null policy: abstain if missing.

What source schedule does UNDIVIDED PROFITS & CAPITAL RESERVES come from?

RC, per official FFIEC Call Report instructions.

Capital · Versioned metric research

UNDIVIDED PROFITS & CAPITAL RESERVES

UNDIVIDED PROFITS & CAPITAL RESERVES, reported directly on FFIEC Call Report schedule RC in USD thousands. No derivation or missing-value substitution is applied. Open official FFIEC instructions ↗

v1 definition1 quarters104 current observationsUSD_THOUSANDS unit

Calculation contract

`REPORTED(RC:RCON3632)`

Source schedule: RC

Null policy: abstain if missing

Effective: 2026-03-31 to current

How every metric is acquired, derived, and validated →

Reading this page

Percentiles describe position, not merit.

P10 through P90 below mark where 104 banks' reported undivided profits & capital reserves values fell for 2026-03-31 — 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

UNDIVIDED PROFITS & CAPITAL RESERVES — covered-bank median

View chart data as a table

Period	Value	Revision	Event
2026-03-31	996,720.5 reported unit	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

UNDIVIDED PROFITS & CAPITAL RESERVES across covered banks

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

2026-03-31 latest period104 observations996,720.5 median570,358.75–1,731,496.75 interquartile range

View distribution data as a table

Period	Population	P10	P25	Median	P75	P90
2026-03-31	104	298,923.4	570,358.75	996,720.5	1,731,496.75	2,902,261.7

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
2026-03-31	104	298,923.4	570,358.75	996,720.5	1,731,496.75	2,902,261.7

Institution drilldown

Highest reported values

#1ZIONS BCORP N A7,516,583
#2DEUTSCHE BANK TR CO AMERICAS6,853,000
#3WESTERN ALLIANCE BANK5,003,592
#4CIBC BANK USA4,940,635
#5BANK OZK4,425,459
#6FROST BANK4,273,039
#7MIDFIRST BANK3,717,759
#8FIRST HORIZON BANK3,446,468
#9BOKF NATIONAL ASSN3,240,195
#10FIRST NATIONAL BANK OF OMAHA3,125,314

Institution drilldown

Lowest reported values

#95STIFEL BANK282,050
#96TOYOTA FINANCIAL SB156,707
#97SIMMONS BANK133,568
#98NICOLET NATIONAL BANK112,979
#99FIRSTBANK55,001
#100DOLLAR BANK FSB18,804
#101FIRST FOUNDATION BANK-31,260
#102POPULAR BANK-293,605
#103COLUMBIA BANK-608,786
#104BANC OF CALIFORNIA-3,168,791

Institution discovery

Search verified rankings by quarter

104 matched institutions · selected period 2026-03-31

Reporting quarterBank name or FDIC certificateOrder

Rank	Institution	FDIC	Value	Percentile
#1	ZIONS BCORP N A	2270	7,516,583	P100
#2	DEUTSCHE BANK TR CO AMERICAS	623	6,853,000	P99
#3	WESTERN ALLIANCE BANK	57512	5,003,592	P98
#4	CIBC BANK USA	33306	4,940,635	P97
#5	BANK OZK	110	4,425,459	P96
#6	FROST BANK	5510	4,273,039	P95
#7	MIDFIRST BANK	4063	3,717,759	P94
#8	FIRST HORIZON BANK	4977	3,446,468	P93
#9	BOKF NATIONAL ASSN	4214	3,240,195	P92
#10	FIRST NATIONAL BANK OF OMAHA	5452	3,125,314	P91
#11	OPTUM BANK INC	57408	3,014,000	P90
#12	COMMERCE BANK	24998	2,641,539	P89
#13	TEXAS CAPITAL BANK	34383	2,615,895	P88
#14	WEBSTER BANK NATIONAL ASSN	18221	2,356,783	P87
#15	AXOS BANK	35546	2,269,764	P86
#16	WAFD BANK	28088	2,141,845	P85
#17	FIRST NB OF PENNSYLVANIA	7888	2,129,842	P84
#18	SOUTHSTATE BANK NA	33555	2,104,175	P83
#19	BARCLAYS BANK DELAWARE	57203	2,082,000	P83
#20	PROSPERITY BANK	16835	2,018,254	P82
#21	TD BANK USA NATIONAL ASSN	33947	1,972,361	P81
#22	ARVEST BANK	8728	1,934,730	P80
#23	SOFI BANK NATIONAL ASSN	26881	1,885,797	P79
#24	HANCOCK WHITNEY BANK	12441	1,810,871	P78
#25	BANKUNITED NATIONAL ASSN	58979	1,789,586	P77
#26	FULTON BANK NATIONAL ASSN	7551	1,751,551	P76
#27	AMERIS BANK	20504	1,724,812	P75
#28	SERVISFIRST BANK	57993	1,651,639	P74
#29	ASSOCIATED BANK NA	5296	1,646,379	P73
#30	CITY NB OF FLORIDA	20234	1,625,932	P72
#31	UNITED BANK	22858	1,485,766	P71
#32	APPLE BANK	16068	1,449,837	P70
#33	ISRAEL DISCOUNT BANK OF NY	19977	1,427,581	P69
#34	FIRST FINANCIAL BANK	3066	1,407,635	P68
#35	MERCHANTS BANK OF INDIANA	8056	1,401,315	P67
#36	TRUSTMARK BANK	4988	1,381,403	P66
#37	ATLANTIC UNION BANK	34589	1,330,874	P65
#38	BMW BANK OF NORTH AMERICA	35141	1,297,864	P64
#39	FARMERS&MERCHANTS BK LONG BE	1225	1,269,401	P63
#40	CITIZENS BUSINESS BANK NA	21716	1,256,123	P62
#41	WESBANCO BANK INC	803	1,196,491	P61
#42	CUSTOMERS BANK	34444	1,191,295	P60
#43	BANCFIRST	27476	1,178,987	P59
#44	THIRD FS&LA OF CLEVELAND	30012	1,170,113	P58
#45	RENASANT BANK	12437	1,166,667	P57
#46	CENTENNIAL BANK	11241	1,146,511	P56
#47	EASTERN BANK	32773	1,108,328	P55
#48	TOWNEBANK	35095	1,103,420	P54
#49	AMARILLO NATIONAL BANK	14531	1,052,665	P53
#50	CENTRAL TRUST BANK	12633	1,042,999	P52

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.