How is BEGIN BALANCE (MOST RECENT) IN ACL calculated?

REPORTED(RIBII:RIADB522). Null policy: abstain if missing.

What source schedule does BEGIN BALANCE (MOST RECENT) IN ACL come from?

RIBII, per official FFIEC Call Report instructions.

How many banks reported BEGIN BALANCE (MOST RECENT) IN ACL for 2026-03-31?

154 banks reported a verified value for 2026-03-31. Institutions with an unavailable or unverified value are excluded, never counted as zero.

Other · Versioned metric research

BEGIN BALANCE (MOST RECENT) IN ACL

BEGIN BALANCE (MOST RECENT) IN ACL, reported directly on FFIEC Call Report schedule RIBII 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(RIBII:RIADB522)`

Source schedule: RIBII

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 begin balance (most recent) in acl 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

BEGIN BALANCE (MOST RECENT) IN ACL — covered-bank median

View chart data as a table

Period	Value	Revision	Event
2026-03-31	206,385 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

BEGIN BALANCE (MOST RECENT) IN ACL across covered banks

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

2026-03-31 latest period154 observations206,385 median102,161.75–535,108 interquartile range

View distribution data as a table

Period	Population	P10	P25	Median	P75	P90
2026-03-31	154	67,682.5	102,161.75	206,385	535,108	2,208,687.3

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	67,682.5	102,161.75	206,385	535,108	2,208,687.3

Institution drilldown

Highest reported values

#1JPMORGAN CHASE BANK NA25,539,000
#2CAPITAL ONE NATIONAL ASSN23,409,000
#3CITIBANK NATIONAL ASSN17,160,000
#4WELLS FARGO BANK NA13,806,000
#5BANK OF AMERICA NA13,188,000
#6SYNCHRONY BANK10,178,000
#7U S BANK NATIONAL ASSN7,604,656
#8AMERICAN EXPRESS NB5,849,602
#9TRUIST BANK5,028,000
#10PNC BANK NATIONAL ASSN4,409,822

Institution drilldown

Lowest reported values

#145NEXBANK40,510
#146CHARLES SCHWAB BANK SSB36,000
#147DEUTSCHE BANK TR CO AMERICAS32,000
#148STIFEL BANK31,207
#149SAFRA NB OF NEW YORK26,101
#150BNY MELLON NATIONAL ASSN21,000
#151BANK OF AMERICA CA NA13,000
#152AMERIPRISE BANK FSB11,284
#153CHARLES SCHWAB PREMIER BK SS0
#153CHARLES SCHWAB TRUST BANK0

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	25,539,000	P100
#2	CAPITAL ONE NATIONAL ASSN	4297	23,409,000	P99
#3	CITIBANK NATIONAL ASSN	7213	17,160,000	P99
#4	WELLS FARGO BANK NA	3511	13,806,000	P98
#5	BANK OF AMERICA NA	3510	13,188,000	P97
#6	SYNCHRONY BANK	27314	10,178,000	P97
#7	U S BANK NATIONAL ASSN	6548	7,604,656	P96
#8	AMERICAN EXPRESS NB	27471	5,849,602	P95
#9	TRUIST BANK	9846	5,028,000	P95
#10	PNC BANK NATIONAL ASSN	6384	4,409,822	P94
#11	ALLY BANK	57803	3,493,000	P93
#12	TD BANK NATIONAL ASSN	18409	2,726,180	P93
#13	BARCLAYS BANK DELAWARE	57203	2,636,000	P92
#14	HUNTINGTON NATIONAL BANK	6560	2,537,122	P92
#15	FIFTH THIRD BANK NA	6672	2,253,000	P91
#16	BMO BANK NATIONAL ASSN	16571	2,248,839	P90
#17	MANUFACTURERS&TRADERS TR CO	588	2,115,000	P90
#18	CITIZENS BANK NATIONAL ASSN	57957	1,942,574	P89
#19	USAA FEDERAL SAVINGS BANK	32188	1,902,000	P88
#20	FIRST-CITIZENS BANK&TRUST CO	11063	1,566,000	P88
#21	REGIONS BANK	12368	1,556,000	P87
#22	GOLDMAN SACHS BANK USA	33124	1,470,000	P86
#23	SALLIE MAE BANK	58177	1,437,857	P86
#24	KEYBANK NATIONAL ASSN	17534	1,437,653	P85
#25	COMENITY CAPITAL BANK	57570	1,335,771	P84
#26	SANTANDER BANK N A	29950	1,232,425	P84
#27	FLAGSTAR BANK NATIONAL ASSN	32541	1,029,999	P83
#28	FIRST NATIONAL BANK OF OMAHA	5452	958,503	P82
#29	TD BANK USA NATIONAL ASSN	33947	899,934	P82
#30	EAST WEST BANK	31628	809,773	P81
#31	FIRST HORIZON BANK	4977	738,493	P80
#32	WEBSTER BANK NATIONAL ASSN	18221	719,411	P80
#33	BANCO POPULAR DE PUERTO RICO	34968	718,000	P79
#34	CITY NATIONAL BANK	17281	682,563	P78
#35	ZIONS BCORP N A	2270	678,051	P78
#36	SOUTHSTATE BANK NA	33555	585,197	P77
#37	VALLEY NATIONAL BANK	9396	583,400	P76
#38	OLD NATIONAL BANK	3832	569,520	P76
#39	MORGAN STANLEY BANK NA	32992	553,000	P75
#40	CIBC BANK USA	33306	481,432	P75
#41	BANK OZK	110	475,721	P74
#42	COLUMBIA BANK	17266	466,424	P73
#43	WESTERN ALLIANCE BANK	57512	460,690	P73
#44	PINNACLE BANK	35583	441,540	P72
#45	FIRST NB OF PENNSYLVANIA	7888	436,530	P71
#46	UMB BANK NATIONAL ASSN	8273	419,478	P71
#47	HSBC BANK USA NATIONAL ASSN	57890	388,147	P70
#48	ASSOCIATED BANK NA	5296	378,068	P69
#49	RAYMOND JAMES BANK	33893	376,961	P69
#50	FULTON BANK NATIONAL ASSN	7551	364,462	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.