Lending & concentration · Versioned metric research
Selected unused commitments to assets
HELOC, credit-card, underwriting and unsecured CRE-purpose unused commitments; incomplete total. Quarter-end reported balances. Source evidence: metric-source-contract-validation.json SHA256 38fdaa264d855efba9eacd852269d1d5ed33a76f4620c7726d21828dfb5e9a7d Open official FFIEC instructions ↗
Calculation contract
RC-L (3814 + 3815 + 3817 + 6550) / RC 2170
Source schedule: RCL, RC
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
RC-L (3814 + 3815 + 3817 + 6550) / RC 2170Null policy: abstain if missing- v1 · 2016-01-01 to superseded
(RC-L 3814 + 3815 + 3817 + 6550) / RC 2170Null policy: abstain if missing
Percentiles describe position, not merit.
P10 through P90 below mark where 575 banks' reported selected unused commitments to assets 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
Selected unused commitments to assets — covered-bank median
View chart data as a table
| Period | Value | Revision | Event |
|---|---|---|---|
| 2016-09-30 | 5.391 percent | No marker | None |
| 2016-12-31 | 5.279 percent | No marker | None |
| 2017-03-31 | 5.348 percent | No marker | None |
| 2017-06-30 | 5.181 percent | No marker | None |
| 2017-09-30 | 5.077 percent | No marker | None |
| 2017-12-31 | 5.075 percent | No marker | None |
| 2018-03-31 | 5.118 percent | No marker | None |
| 2018-06-30 | 4.921 percent | No marker | None |
| 2018-09-30 | 4.811 percent | No marker | None |
| 2018-12-31 | 5.05 percent | No marker | None |
| 2019-03-31 | 4.762 percent | No marker | None |
| 2019-06-30 | 4.762 percent | No marker | None |
| 2019-09-30 | 4.607 percent | No marker | None |
| 2019-12-31 | 4.615 percent | No marker | None |
| 2020-03-31 | 4.345 percent | No marker | None |
| 2020-06-30 | 3.93 percent | No marker | None |
| 2020-09-30 | 3.987 percent | No marker | None |
| 2020-12-31 | 3.9 percent | No marker | None |
| 2021-03-31 | 3.825 percent | No marker | None |
| 2021-06-30 | 3.603 percent | No marker | None |
| 2021-09-30 | 3.572 percent | No marker | None |
| 2021-12-31 | 3.638 percent | No marker | None |
| 2022-03-31 | 3.77 percent | No marker | None |
| 2022-06-30 | 3.649 percent | No marker | None |
| 2022-09-30 | 3.648 percent | No marker | None |
| 2022-12-31 | 3.582 percent | No marker | None |
| 2023-03-31 | 3.644 percent | No marker | None |
| 2023-06-30 | 3.687 percent | No marker | None |
| 2023-09-30 | 3.634 percent | No marker | None |
| 2023-12-31 | 3.664 percent | No marker | None |
| 2024-03-31 | 3.67 percent | No marker | None |
| 2024-06-30 | 3.698 percent | No marker | None |
| 2024-09-30 | 3.58 percent | No marker | None |
| 2024-12-31 | 3.622 percent | No marker | None |
| 2025-03-31 | 3.783 percent | No marker | None |
| 2025-06-30 | 3.864 percent | No marker | None |
| 2025-09-30 | 2.629 percent | No marker | None |
| 2025-12-31 | 2.666 percent | No marker | None |
| 2026-03-31 | 2.611 percent | No marker | None |
| 2026-06-30 | 2.603 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
Selected unused commitments to assets 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 | 575 | 0.08% | 0.97% | 2.60% | 5.31% | 8.85% |
| 2026-03-31 | 581 | 0.09% | 0.92% | 2.61% | 5.18% | 8.78% |
| 2025-12-31 | 590 | 0.09% | 0.98% | 2.67% | 5.23% | 8.87% |
| 2025-09-30 | 595 | 0.08% | 0.99% | 2.63% | 5.20% | 8.63% |
| 2025-06-30 | 154 | 0.10% | 0.95% | 3.86% | 7.23% | 12.99% |
| 2025-03-31 | 157 | 0.17% | 1.16% | 3.78% | 7.28% | 15.30% |
| 2024-12-31 | 158 | 0.10% | 0.93% | 3.62% | 7.11% | 15.07% |
| 2024-09-30 | 158 | 0.13% | 1.17% | 3.58% | 7.09% | 14.76% |
| 2024-06-30 | 155 | 0.14% | 1.09% | 3.70% | 7.10% | 15.95% |
| 2024-03-31 | 157 | 0.08% | 1.07% | 3.67% | 7.15% | 15.14% |
| 2023-12-31 | 157 | 0.13% | 1.04% | 3.66% | 6.92% | 14.87% |
| 2023-09-30 | 156 | 0.15% | 1.17% | 3.63% | 7.00% | 15.07% |
| 2023-06-30 | 156 | 0.15% | 1.10% | 3.69% | 7.06% | 15.03% |
| 2023-03-31 | 160 | 0.17% | 1.05% | 3.64% | 7.09% | 13.89% |
| 2022-12-31 | 158 | 0.18% | 1.09% | 3.58% | 7.05% | 13.80% |
| 2022-09-30 | 158 | 0.17% | 1.10% | 3.65% | 7.16% | 16.23% |
| 2022-06-30 | 159 | 0.17% | 1.07% | 3.65% | 7.02% | 15.29% |
| 2022-03-31 | 160 | 0.19% | 1.07% | 3.77% | 7.08% | 16.59% |
| 2021-12-31 | 159 | 0.17% | 1.05% | 3.64% | 6.77% | 15.67% |
| 2021-09-30 | 161 | 0.18% | 0.93% | 3.57% | 6.71% | 12.69% |
| 2021-06-30 | 160 | 0.20% | 1.00% | 3.60% | 6.62% | 13.26% |
| 2021-03-31 | 158 | 0.17% | 0.99% | 3.83% | 6.50% | 13.54% |
| 2020-12-31 | 151 | 0.17% | 1.06% | 3.90% | 6.96% | 17.63% |
| 2020-09-30 | 151 | 0.13% | 1.03% | 3.99% | 6.93% | 18.26% |
| 2020-06-30 | 148 | 0.18% | 0.93% | 3.93% | 7.08% | 19.63% |
| 2020-03-31 | 144 | 0.19% | 0.99% | 4.34% | 8.28% | 22.00% |
| 2019-12-31 | 140 | 0.22% | 1.07% | 4.61% | 8.71% | 23.91% |
| 2019-09-30 | 143 | 0.16% | 1.16% | 4.61% | 8.47% | 23.56% |
| 2019-06-30 | 141 | 0.19% | 1.10% | 4.76% | 8.65% | 24.23% |
| 2019-03-31 | 141 | 0.16% | 1.28% | 4.76% | 8.99% | 24.30% |
| 2018-12-31 | 137 | 0.31% | 1.28% | 5.05% | 9.87% | 26.92% |
| 2018-09-30 | 138 | 0.24% | 1.19% | 4.81% | 9.67% | 26.39% |
| 2018-06-30 | 134 | 0.21% | 1.26% | 4.92% | 9.39% | 29.67% |
| 2018-03-31 | 132 | 0.27% | 1.45% | 5.12% | 10.68% | 34.33% |
| 2017-12-31 | 123 | 0.27% | 1.44% | 5.08% | 10.76% | 36.34% |
| 2017-09-30 | 125 | 0.28% | 1.20% | 5.08% | 10.60% | 35.82% |
| 2017-06-30 | 121 | 0.28% | 1.10% | 5.18% | 10.58% | 36.06% |
| 2017-03-31 | 118 | 0.29% | 1.06% | 5.35% | 10.59% | 40.80% |
| 2016-12-31 | 114 | 0.28% | 0.98% | 5.28% | 10.49% | 45.72% |
| 2016-09-30 | 114 | 0.29% | 0.95% | 5.39% | 11.00% | 45.94% |
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 | 575 | 0.08% | 0.97% | 2.60% | 5.31% | 8.85% |
| 2026-03-31 | 581 | 0.09% | 0.92% | 2.61% | 5.18% | 8.78% |
| 2025-12-31 | 590 | 0.09% | 0.98% | 2.67% | 5.23% | 8.87% |
| 2025-09-30 | 595 | 0.08% | 0.99% | 2.63% | 5.20% | 8.63% |
| 2025-06-30 | 154 | 0.10% | 0.95% | 3.86% | 7.23% | 12.99% |
| 2025-03-31 | 157 | 0.17% | 1.16% | 3.78% | 7.28% | 15.30% |
| 2024-12-31 | 158 | 0.10% | 0.93% | 3.62% | 7.11% | 15.07% |
| 2024-09-30 | 158 | 0.13% | 1.17% | 3.58% | 7.09% | 14.76% |
| 2024-06-30 | 155 | 0.14% | 1.09% | 3.70% | 7.10% | 15.95% |
| 2024-03-31 | 157 | 0.08% | 1.07% | 3.67% | 7.15% | 15.14% |
| 2023-12-31 | 157 | 0.13% | 1.04% | 3.66% | 6.92% | 14.87% |
| 2023-09-30 | 156 | 0.15% | 1.17% | 3.63% | 7.00% | 15.07% |
| 2023-06-30 | 156 | 0.15% | 1.10% | 3.69% | 7.06% | 15.03% |
| 2023-03-31 | 160 | 0.17% | 1.05% | 3.64% | 7.09% | 13.89% |
| 2022-12-31 | 158 | 0.18% | 1.09% | 3.58% | 7.05% | 13.80% |
| 2022-09-30 | 158 | 0.17% | 1.10% | 3.65% | 7.16% | 16.23% |
| 2022-06-30 | 159 | 0.17% | 1.07% | 3.65% | 7.02% | 15.29% |
| 2022-03-31 | 160 | 0.19% | 1.07% | 3.77% | 7.08% | 16.59% |
| 2021-12-31 | 159 | 0.17% | 1.05% | 3.64% | 6.77% | 15.67% |
| 2021-09-30 | 161 | 0.18% | 0.93% | 3.57% | 6.71% | 12.69% |
| 2021-06-30 | 160 | 0.20% | 1.00% | 3.60% | 6.62% | 13.26% |
| 2021-03-31 | 158 | 0.17% | 0.99% | 3.83% | 6.50% | 13.54% |
| 2020-12-31 | 151 | 0.17% | 1.06% | 3.90% | 6.96% | 17.63% |
| 2020-09-30 | 151 | 0.13% | 1.03% | 3.99% | 6.93% | 18.26% |
| 2020-06-30 | 148 | 0.18% | 0.93% | 3.93% | 7.08% | 19.63% |
| 2020-03-31 | 144 | 0.19% | 0.99% | 4.34% | 8.28% | 22.00% |
| 2019-12-31 | 140 | 0.22% | 1.07% | 4.61% | 8.71% | 23.91% |
| 2019-09-30 | 143 | 0.16% | 1.16% | 4.61% | 8.47% | 23.56% |
| 2019-06-30 | 141 | 0.19% | 1.10% | 4.76% | 8.65% | 24.23% |
| 2019-03-31 | 141 | 0.16% | 1.28% | 4.76% | 8.99% | 24.30% |
| 2018-12-31 | 137 | 0.31% | 1.28% | 5.05% | 9.87% | 26.92% |
| 2018-09-30 | 138 | 0.24% | 1.19% | 4.81% | 9.67% | 26.39% |
| 2018-06-30 | 134 | 0.21% | 1.26% | 4.92% | 9.39% | 29.67% |
| 2018-03-31 | 132 | 0.27% | 1.45% | 5.12% | 10.68% | 34.33% |
| 2017-12-31 | 123 | 0.27% | 1.44% | 5.08% | 10.76% | 36.34% |
| 2017-09-30 | 125 | 0.28% | 1.20% | 5.08% | 10.60% | 35.82% |
| 2017-06-30 | 121 | 0.28% | 1.10% | 5.18% | 10.58% | 36.06% |
| 2017-03-31 | 118 | 0.29% | 1.06% | 5.35% | 10.59% | 40.80% |
| 2016-12-31 | 114 | 0.28% | 0.98% | 5.28% | 10.49% | 45.72% |
| 2016-09-30 | 114 | 0.29% | 0.95% | 5.39% | 11.00% | 45.94% |
| 2016-06-30 | 112 | 0.33% | 1.01% | 5.48% | 10.94% | 48.24% |
| 2016-03-31 | 109 | 0.34% | 0.90% | 5.34% | 11.39% | 48.96% |
Institution drilldown
Highest reported values
- #1COMENITY BANK494.52%
- #2COMENITY CAPITAL BANK453.95%
- #3CREDIT ONE BANK NA394.51%
- #4SYNCHRONY BANK392.74%
- #5BARCLAYS BANK DELAWARE286.94%
- #6FIRST BANK&TRUST212.63%
- #7AMERICAN EXPRESS NB186.97%
- #8TD BANK USA NATIONAL ASSN150.52%
- #9COASTAL COMMUNITY BANK146.79%
- #10FIRST NATIONAL BANK OF OMAHA129.67%
Institution drilldown
Lowest reported values
Institution discovery
Search verified rankings by quarter
575 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.