Other · Versioned metric research
SURPLUS
SURPLUS, reported directly on FFIEC Call Report schedule RC in USD thousands. No derivation or missing-value substitution is applied. Open official FFIEC instructions ↗
Calculation contract
REPORTED(RC:RCON3839)
Source schedule: RC
Null policy: abstain if missing
Effective: 2026-03-31 to current
Percentiles describe position, not merit.
P10 through P90 below mark where 104 banks' reported surplus 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
SURPLUS — covered-bank median
View chart data as a table
| Period | Value | Revision | Event |
|---|---|---|---|
| 2026-03-31 | 1,407,029.5 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
SURPLUS 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 |
|---|---|---|---|---|---|---|
| 2026-03-31 | 104 | 332,365.4 | 808,298.25 | 1,407,029.5 | 2,777,868.75 | 4,384,542 |
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 | 332,365.4 | 808,298.25 | 1,407,029.5 | 2,777,868.75 | 4,384,542 |
Institution drilldown
Highest reported values
- #1SOUTHSTATE BANK NA7,809,970
- #2WEBSTER BANK NATIONAL ASSN7,743,737
- #3BANC OF CALIFORNIA7,343,542
- #4FIRST HORIZON BANK6,408,844
- #5CIBC BANK USA6,392,195
- #6PROSPERITY BANK5,999,888
- #7COLUMBIA BANK5,247,957
- #8ATLANTIC UNION BANK4,707,502
- #9FIRST NB OF PENNSYLVANIA4,706,779
- #10FIRSTBANK4,495,510
Institution drilldown
Lowest reported values
- #95SERVISFIRST BANK266,887
- #96APPLE BANK247,270
- #97CITIZENS BUSINESS BANK NA236,962
- #98MIDFIRST BANK190,375
- #99BANCFIRST186,565
- #100FARMERS&MERCHANTS BK LONG BE155,143
- #101CENTIER BANK117,047
- #102AMARILLO NATIONAL BANK50,000
- #103WASHINGTON TRUST BANK35,664
- #104ISRAEL DISCOUNT BANK OF NY25,472
Institution discovery
Search verified rankings by quarter
104 matched institutions · selected period 2026-03-31
| Rank | Institution | FDIC | Value | Percentile |
|---|---|---|---|---|
| #1 | SOUTHSTATE BANK NA | 33555 | 7,809,970 | P100 |
| #2 | WEBSTER BANK NATIONAL ASSN | 18221 | 7,743,737 | P99 |
| #3 | BANC OF CALIFORNIA | 24045 | 7,343,542 | P98 |
| #4 | FIRST HORIZON BANK | 4977 | 6,408,844 | P97 |
| #5 | CIBC BANK USA | 33306 | 6,392,195 | P96 |
| #6 | PROSPERITY BANK | 16835 | 5,999,888 | P95 |
| #7 | COLUMBIA BANK | 17266 | 5,247,957 | P94 |
| #8 | ATLANTIC UNION BANK | 34589 | 4,707,502 | P93 |
| #9 | FIRST NB OF PENNSYLVANIA | 7888 | 4,706,779 | P92 |
| #10 | FIRSTBANK | 18714 | 4,495,510 | P91 |
| #11 | SOFI BANK NATIONAL ASSN | 26881 | 4,442,835 | P90 |
| #12 | UNITED BANK | 22858 | 4,248,525 | P89 |
| #13 | BARCLAYS BANK DELAWARE | 57203 | 3,847,000 | P88 |
| #14 | EVERBANK NATIONAL ASSN | 34775 | 3,659,956 | P87 |
| #15 | GLACIER BANK | 30788 | 3,493,399 | P86 |
| #16 | SIMMONS BANK | 3890 | 3,380,919 | P85 |
| #17 | ROCKLAND TRUST CO | 9712 | 3,362,450 | P84 |
| #18 | ASSOCIATED BANK NA | 5296 | 3,229,147 | P83 |
| #19 | EASTERN BANK | 32773 | 3,208,117 | P83 |
| #20 | WESBANCO BANK INC | 803 | 3,126,524 | P82 |
| #21 | FIRST INTERSTATE BANK | 1105 | 3,115,194 | P81 |
| #22 | WESTERN ALLIANCE BANK | 57512 | 3,065,418 | P80 |
| #23 | CENTENNIAL BANK | 11241 | 3,055,394 | P79 |
| #24 | RENASANT BANK | 12437 | 3,031,799 | P78 |
| #25 | UNITED COMMUNITY BANK | 16889 | 2,998,448 | P77 |
| #26 | HANCOCK WHITNEY BANK | 12441 | 2,850,408 | P76 |
| #27 | SEACOAST NATIONAL BANK | 131 | 2,753,689 | P75 |
| #28 | MECHANICS BANK | 1768 | 2,602,093 | P74 |
| #29 | BOKF NATIONAL ASSN | 4214 | 2,498,123 | P73 |
| #30 | POPULAR BANK | 34967 | 2,435,972 | P72 |
| #31 | WILMINGTON SVG FUND SOCIETY | 17838 | 2,402,427 | P71 |
| #32 | PROVIDENT BANK | 12010 | 2,370,931 | P70 |
| #33 | AMERIS BANK | 20504 | 2,324,968 | P69 |
| #34 | BUSEY BANK | 16450 | 2,259,770 | P68 |
| #35 | NICOLET NATIONAL BANK | 57038 | 2,224,414 | P67 |
| #36 | SALLIE MAE BANK | 58177 | 2,029,195 | P66 |
| #37 | FIRST MERCHANTS BANK | 4365 | 1,955,895 | P65 |
| #38 | FULTON BANK NATIONAL ASSN | 7551 | 1,954,981 | P64 |
| #39 | BEACON BANK&TRUST | 17798 | 1,904,230 | P63 |
| #40 | BEAL BANK USA | 57833 | 1,848,458 | P62 |
| #41 | TD BANK USA NATIONAL ASSN | 33947 | 1,739,004 | P61 |
| #42 | BANK OF HOPE | 26610 | 1,711,977 | P60 |
| #43 | COMMERCE BANK | 24998 | 1,710,016 | P59 |
| #44 | TOWNEBANK | 35095 | 1,700,963 | P58 |
| #45 | ZIONS BCORP N A | 2270 | 1,668,855 | P57 |
| #46 | CITY NB OF FLORIDA | 20234 | 1,636,415 | P56 |
| #47 | BANNER BANK | 28489 | 1,627,343 | P55 |
| #48 | TOYOTA FINANCIAL SB | 57542 | 1,619,999 | P54 |
| #49 | BANKUNITED NATIONAL ASSN | 58979 | 1,605,384 | P53 |
| #50 | FIRSTBANK | 8663 | 1,516,650 | 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.