How is Income (loss) before unrealized hold calculated?

REPORTED(RI:RIADHT69). Null policy: abstain if missing.

What source schedule does Income (loss) before unrealized hold come from?

RI, per official FFIEC Call Report instructions.

Earnings & efficiency · Versioned metric research

Income (loss) before unrealized hold

Income (loss) before unrealized hold, reported directly on FFIEC Call Report schedule RI in USD thousands. No derivation or missing-value substitution is applied. Open official FFIEC instructions ↗

v1 definition1 quarters154 current observationsUSD_THOUSANDS unit

Calculation contract

`REPORTED(RI:RIADHT69)`

Source schedule: RI

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 154 banks' reported income (loss) before unrealized hold 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

Income (loss) before unrealized hold — covered-bank median

View chart data as a table

Period	Value	Revision	Event
2026-03-31	112,609.5 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

Income (loss) before unrealized hold across covered banks

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

2026-03-31 latest period154 observations112,609.5 median63,514.25–301,447 interquartile range

View distribution data as a table

Period	Population	P10	P25	Median	P75	P90
2026-03-31	154	39,039.8	63,514.25	112,609.5	301,447	964,350.6

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	154	39,039.8	63,514.25	112,609.5	301,447	964,350.6

Institution drilldown

Highest reported values

Institution drilldown

Lowest reported values

#145OCEANFIRST BANK NA31,530
#146THIRD FS&LA OF CLEVELAND30,268
#147FARMERS&MERCHANTS BK LONG BE28,866
#148NICOLET NATIONAL BANK23,817
#149DOLLAR BANK FSB23,657
#150COLUMBIA BANK21,583
#151APPLE BANK16,782
#152TOYOTA FINANCIAL SB16,575
#153TD BANK USA NATIONAL ASSN-2,315
#154FIRST FOUNDATION BANK-7,546

Institution discovery

Search verified rankings by quarter

154 matched institutions · selected period 2026-03-31

Reporting quarterBank name or FDIC certificateOrder

Rank	Institution	FDIC	Value	Percentile
#1	JPMORGAN CHASE BANK NA	628	17,332,000	P100
#2	BANK OF AMERICA NA	3510	9,303,000	P99
#3	WELLS FARGO BANK NA	3511	7,101,000	P99
#4	CITIBANK NATIONAL ASSN	7213	6,965,000	P98
#5	CAPITAL ONE NATIONAL ASSN	4297	2,955,000	P97
#6	GOLDMAN SACHS BANK USA	33124	2,605,000	P97
#7	AMERICAN EXPRESS NB	27471	2,598,503	P96
#8	U S BANK NATIONAL ASSN	6548	2,477,906	P95
#9	PNC BANK NATIONAL ASSN	6384	2,324,266	P95
#10	TRUIST BANK	9846	1,816,000	P94
#11	MORGAN STANLEY BANK NA	32992	1,771,000	P93
#12	BANK OF NEW YORK MELLON	639	1,716,000	P93
#13	CHARLES SCHWAB BANK SSB	57450	1,038,000	P92
#14	MORGAN STANLEY PRIVATE BK NA	34221	979,000	P92
#15	SYNCHRONY BANK	27314	971,000	P91
#16	STATE STREET BANK&TRUST CO	14	966,000	P90
#17	BMO BANK NATIONAL ASSN	16571	960,502	P90
#18	MANUFACTURERS&TRADERS TR CO	588	883,000	P89
#19	HUNTINGTON NATIONAL BANK	6560	777,852	P88
#20	FIRST-CITIZENS BANK&TRUST CO	11063	739,000	P88
#21	KEYBANK NATIONAL ASSN	17534	732,872	P87
#22	REGIONS BANK	12368	729,000	P86
#23	NORTHERN TRUST CO	913	695,647	P86
#24	CITIZENS BANK NATIONAL ASSN	57957	677,922	P85
#25	TD BANK NATIONAL ASSN	18409	677,003	P84
#26	ALLY BANK	57803	657,000	P84
#27	FIFTH THIRD BANK NA	6672	497,000	P83
#28	HSBC BANK USA NATIONAL ASSN	57890	483,885	P82
#29	EAST WEST BANK	31628	461,193	P82
#30	UBS BANK USA NATIONAL ASSN	57565	430,623	P81
#31	SALLIE MAE BANK	58177	427,540	P80
#32	FIRST HORIZON BANK	4977	375,634	P80
#33	SOFI BANK NATIONAL ASSN	26881	326,090	P79
#34	WEBSTER BANK NATIONAL ASSN	18221	321,272	P78
#35	UMB BANK NATIONAL ASSN	8273	316,424	P78
#36	SANTANDER BANK N A	29950	313,245	P77
#37	OLD NATIONAL BANK	3832	312,524	P76
#38	SOUTHSTATE BANK NA	33555	307,544	P76
#39	USAA FEDERAL SAVINGS BANK	32188	304,000	P75
#40	ZIONS BCORP N A	2270	293,788	P75
#41	PINNACLE BANK	35583	292,602	P74
#42	COLUMBIA BANK	17266	263,114	P73
#43	AMERIPRISE BANK FSB	58303	255,637	P73
#44	CITY NATIONAL BANK	17281	252,445	P72
#45	CIBC BANK USA	33306	252,336	P71
#46	RAYMOND JAMES BANK	33893	233,788	P71
#47	BANCO POPULAR DE PUERTO RICO	34968	230,000	P70
#48	BARCLAYS BANK DELAWARE	57203	224,000	P69
#49	WESTERN ALLIANCE BANK	57512	223,628	P69
#50	VALLEY NATIONAL BANK	9396	218,174	P68

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.