The financial report every bank and savings association files with its federal regulator each quarter, with a balance sheet, an income statement and schedules that break out loans by kind.
The call report’s full name is the Consolidated Reports of Condition and Income. Every national bank, state member bank, state nonmember bank and savings association files one as of the last day of each calendar quarter. There are three forms: FFIEC 031 for banks with foreign offices, FFIEC 041 for banks with domestic offices only, and FFIEC 051, a shorter form for banks with domestic offices only and total assets under $5 billion. Credit unions file a different report with the NCUA.
For someone seeking a loan, the call report is the public record of what a bank already does. It shows how much the bank holds in construction loans, apartment loans, owner-occupied and other commercial real estate, farmland and business loans, and how much capital stands behind them. A bank with a large book in your loan type has people and policies for it.
Know its limit. A call report shows balances held on a date. It does not show loans made during the quarter, loan terms, rates on single loans or who the borrowers are.
How it shows up in the data here
Bank call reports are the source of every bank balance on this site: total assets, capital and the loans held in each category, as of the report date printed on the page. The figures come from the FDIC's copy of the filings. See sources for the files and dates and the data dictionary for each field, or search lenders by what they hold.
Go further
- Sources: The call report files this site reads, and their dates.
- Data dictionary: Each field and the call report item behind it.
- Search banks: Banks by the loans they hold.
- Legal lending limit estimate: The most a bank can lend to one borrower, from public capital figures. Always an estimate.
- How to read a bank call report as a loan searcher: Every bank files a call report each quarter. One schedule in it lists the bank's loans by kind. Read that schedule and you know what the bank holds. You still do not know what it made last quarter.
- How to pick banks for a deal with public data: Public filings cannot tell you which bank will say yes. They can tell you which banks are large enough, already hold loans like yours and lend where the property is. That is enough to turn four thousand banks into six phone calls.
Related terms
- Schedule RC-C: The call report schedule where a bank lists the loans and leases it holds by category, such as construction, multifamily, nonfarm nonresidential, farmland and commercial and industrial loans.
- Uniform Bank Performance Report (UBPR): A public report, calculated each quarter mostly from a bank's call report, that turns the filing into ratios and compares the bank with a peer group.
- NCUA 5300 call report: The financial report every natural person credit union files with NCUA each quarter. It is the public source for what a credit union lends and holds.
- FDIC certificate number: The unique number the FDIC assigns to each bank and savings institution, used to identify it in FDIC records.
- Tier 1 capital: A bank's core capital under the capital rule: common equity tier 1 plus additional tier 1. The minimums are 6 percent of risk-weighted assets and a 4 percent leverage ratio.
- Home Mortgage Disclosure Act (HMDA): The federal law that makes mortgage lenders collect and publish loan-level data on loans secured by a dwelling, including apartment buildings and 1-4 unit rentals.
Sources
- 12 CFR 304.3(a), Consolidated Reports of Condition and Income, Forms FFIEC 031, 041, and 051, retrieved .
- FDIC, Bank Financial Reports (Consolidated Reports of Condition and Income), retrieved .
- Request for Information: Streamlining the Call Report, 90 FR, December 1, 2025 (the three report forms), published .
Plain definitions for orientation, not legal, tax or credit advice. A lender's own policy decides what it will do.