The short answer
A call report is the quarterly Consolidated Report of Condition and Income that every FDIC-supervised and other bank with deposit coverage files. For a loan searcher the part that matters is Schedule RC-C, Part I, which lists loans by kind: construction, farmland, 1-4 family, multifamily, owner-occupied and other commercial property, and business loans. The figures are balances held on the report date, not loans made.
What a call report is
The Consolidated Reports of Condition and Income are a bank’s quarterly regulatory financial statements: a balance sheet, an income statement and supporting schedules. The FDIC’s rule at 12 CFR 304.3 says every institution it covers “is required to file Consolidated Reports of Condition and Income (also known as the Call Report) in accordance with the instructions for these reports.” National banks and state member banks file the same forms with their own regulators.
Report dates are the last day of each calendar quarter. The latest report on this site is dated 2026-06-30.
Three forms
There are three versions of the form. The General Instructions say which a bank files.
Which call report form a bank files (FFIEC 051 General Instructions)
| Form | Who files it |
|---|---|
| FFIEC 031 | Banks with domestic and foreign offices. Also banks with domestic offices only that are advanced approaches institutions, or have total consolidated assets of $100 billion or more |
| FFIEC 041 | Banks with domestic offices only and total consolidated assets under $100 billion |
| FFIEC 051 | Banks with domestic offices only and total assets under $5 billion that meet the eligibility criteria. An eligible bank may choose to file the 041 |
Most community banks file the 051. It is shorter, and some items are reported less often. One example matters to a searcher: on the 051, Schedule RC-C, Part II, Loans to Small Businesses and Small Farms, is completed twice a year, as of June 30 and December 31. So the small loan lines on a bank’s page can be a quarter older than the rest.
Where to get one
- FFIEC Central Data Repository. The Public Data Distribution site has each bank’s filed report as a document and in bulk files.
- FDIC BankFind Suite. The FDIC publishes financial data for each institution it covers through a search tool and a public data service. This site’s bank figures come from that service.
- Uniform Bank Performance Report. The UBPR is a ratio report the agencies build from call report data, with peer group comparisons.
You find a bank by name, by its FDIC certificate number or by its RSSD ID. Use a number. Many banks share a name.
The schedule that matters: RC-C, Part I
Schedule RC-C, Part I lists loans and leases by kind. Item 1 is loans secured by real estate, and its sub-items are the ones a commercial searcher reads.
Real estate loan lines on Schedule RC-C, Part I (FFIEC 051 instructions, December 2025)
| Item | What it holds | Where it appears on this site |
|---|---|---|
| 1.a.(1) | 1-4 family residential construction loans | 1-4 family construction |
| 1.a.(2) | Other construction loans and all land development and other land loans | Other construction and land |
| 1.b | Loans secured by farmland | Farmland |
| 1.c | Loans secured by 1-4 family residential properties, in sub-items for revolving lines and closed-end loans | Not used for investor search (see below) |
| 1.d | Loans secured by multifamily (5 or more) residential properties | Multifamily |
| 1.e.(1) | Loans secured by owner-occupied nonfarm nonresidential properties | Owner-occupied commercial real estate |
| 1.e.(2) | Loans secured by other nonfarm nonresidential properties | Investor commercial real estate |
Further down the same schedule are commercial and industrial loans and loans to finance agricultural production, which this site shows as the business and farm operating books.
Four reading notes.
A loan goes where its collateral puts it. A loan to a manufacturer secured by its plant is a real estate loan in 1.e.(1), not a business loan. A bank with a modest commercial and industrial line may still lend heavily to operating companies.
Owner-occupied is about repayment. The instructions define owner-occupied loans as those where the primary source of repayment is the cash flow from the operations of the party, or an affiliate of the party, that owns the property. A building leased mainly to outside tenants belongs in 1.e.(2).
Multifamily construction is construction. Item 1.d excludes loans for multifamily construction and land development. Those sit in 1.a.(2) until the project is finished and the loan is refinanced or converted.
The 1-4 family line cannot be split. Item 1.c mixes loans on homes people live in with loans on rental houses. A call report cannot tell you how much of it is investor lending. For that, use HMDA.
Here is how those lines add up across the lenders on this site:
| Kind of loan | Banks and savings institutions | Credit unions |
|---|---|---|
| Multifamily | $670B | $48.0B |
| Construction and land development | $459B | $11.1B |
| Owner-occupied commercial real estate | $711B | $39.6B |
| Non-owner-occupied commercial real estate | $1.23T | $87.9B |
| Farmland | $124B | $3.32B |
| Commercial and industrial | $2.62T | $11.8B |
FDIC call reports and NCUA 5300, Balances held, not loans made. A call report cannot say when a loan was made.
Looking for a lender now? Find lenders for this in your state.
Other schedules worth knowing
RC-C, Part II: loans to small businesses and small farms. This part reports commercial property and business loans by original amount, in bands, with the number of loans in each. It is the only place a call report says anything about loan size. This site reads it to show the share of a bank’s commercial real estate book in loans of $1,000,000 or less, and the count of small farm loans. The FDIC’s rule also notes that banks “must also submit annually such information on small business and small farm lending as the FDIC may need.”
RC-L: off-balance-sheet items. Commitments the bank has made and not yet funded are reported here, real estate commitments among them. See unused commitment. A lender page shows unused commercial real estate commitments where the bank reports them.
RC-R: regulatory capital. Tier 1 capital and total capital are reported here. This site uses tier 1 capital plus the allowance as the base for its estimate of a bank’s largest single loan and for its capital ratios. That base is our choice from what the public file carries for every bank. It is not the “capital and surplus” of the lending limit rule, and it is not the total capital figure of the 2006 concentration guidance.
How this site’s fields map to the report
Every bank field on this site is listed in the data dictionary with the code of the item it comes from in the FDIC’s financial data. Where a figure is derived, the dictionary gives the formula. The methodology explains the choices, and sources lists each file and its date.
If a number on a bank’s page looks wrong, compare it with the filed report in the Central Data Repository for the same date. If the filing and the page differ, tell us through the report form.
A worked read
Worked example (hypothetical). A bank’s Schedule RC-C shows $40,000,000 in item 1.a, $25,000,000 in 1.d, $90,000,000 in 1.e.(1) and $60,000,000 in 1.e.(2). A year earlier 1.e.(1) was $75,000,000.
What it holds. Commercial property loans are $150,000,000 ($90,000,000 plus $60,000,000), and 60 percent of that is owner-occupied ($90,000,000 divided by $150,000,000). This is a bank that lends to businesses on their own buildings more than to investors.
What changed. Owner-occupied loans rose by $15,000,000, which is 20 percent ($15,000,000 divided by $75,000,000). The balance grew. Whether that came from new loans, a purchased portfolio or a merger is not in the schedule.
What to ask. “Your owner-occupied book grew over the past year. Are you still adding to it?”
What a balance cannot tell you
- Not loans made. A balance is what is outstanding on one day.
- Not who borrowed. There are no borrowers, addresses or loan terms.
- Not price. No rates on individual loans, no fees.
- Not loans sold. A bank that originates and sells shows little.
- Not appetite. A large book can belong to a bank that has stopped adding to it.
- Mergers move numbers. When two banks combine, the survivor’s balances jump without a single new loan.
Our calculation from public filings, as of the call report date. Not a rating, and not a statement about safety or deposits.
Questions to put to the bank
- Your report shows loans of this kind. Are you adding more this year?
- Do you keep these loans or sell them?
- What is the largest loan of this kind you would hold for one borrower?
Terms used here
- Call report: 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.
- 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.
- FDIC certificate number: The unique number the FDIC assigns to each bank and savings institution, used to identify it in FDIC records.
- RSSD ID: The unique number the Federal Reserve assigns to a bank, credit union, holding company or other financial entity as its identifier in Federal Reserve 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.
- Allowance for credit losses: The reserve a lender builds through charges against earnings for the loan losses it expects, which brings the loans on its books down to the amount it expects to collect.
- Unused commitment: The part of a legally binding promise to lend that the borrower has not drawn yet, such as the open amount on a line of credit or the unfunded balance of a construction loan.
- Owner-occupied commercial real estate: Commercial property where the loan is repaid mainly by the business that occupies it, not by rent from unrelated tenants.
- Non-owner-occupied commercial real estate: Commercial property where half or more of the loan's repayment comes from rent paid by tenants unrelated to the owner.
Sources
Every rule and outside figure above comes from one of these, opened on . Dates are the source's own. Figures from this site's data carry their own source and date beside them.
- FFIEC 051 Call Report instructions, General Instructions (hosted by the FDIC), retrieved .
- FFIEC 051 instructions, Schedule RC-C, Loans and Lease Financing Receivables, December 2025 (hosted by the FDIC), dated .
- 12 CFR 304.3, Reports (FDIC): Consolidated Reports of Condition and Income, Forms FFIEC 031, 041 and 051, retrieved .
- FFIEC Central Data Repository, Public Data Distribution, retrieved .
Next step: check the record
- Search lenders and read a pageEach bank page prints the loan lines described here, with the report date and the change from a year earlier.
- Data dictionaryEvery field on this site, the file it comes from and the code in that file.
- Lenders by owner-occupied commercial real estate heldOne call report line, sorted. A balance held, not loans made.
Keep reading
- Legal lending limit estimate: The most a bank can lend to one borrower, from public capital figures. Always an estimate.
- How to read a credit union's 5300 call report: Credit unions file their own call report, NCUA Form 5300, every quarter. For commercial loans it says more than a bank's report does: it counts the loans, and it reports what was made during the year.
- How to read HMDA data for multifamily and investor loans: HMDA is the one public file that lists individual apartment and rental-house loans by lender, amount, county and year. It covers loans on dwellings only, and not every lender reports.
- How to read Community Reinvestment Act data: CRA data is the only public count of small business and small farm loans made by county. It is reported by larger banks only, in three size bands, with no borrower and no loan detail.
- 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.
- The legal lending limit, explained: A bank may not lend more than a set share of its capital to one borrower. The rule explains why a large loan gets shared, and why a lender can say a request is too big for it.
- The CRE concentration guidance, explained: Bank regulators watch how much commercial real estate a bank holds against its capital. The guidance sets two screens. It does not set a limit, and it does not count owner-occupied buildings.
Questions people ask
How soon after the quarter ends is a call report available?
The instructions require a bank's report to be received no later than 30 calendar days after the report date, or 35 days for a bank with more than one foreign office. Public release follows the agencies' processing, so allow some weeks after that.
Can I tell from a call report how many loans a bank made last quarter?
No. The loan schedule reports the amount outstanding on the report date. A balance can rise because the bank made loans, bought loans or merged, and can fall because loans were paid off or sold.
Do credit unions file call reports?
They file a different one, NCUA Form 5300, with their own regulator. It has its own layout and it does report loans made during the year for some categories.
Cite this
Source: The Lender Report, How to read a bank call report as a loan searcher, https://lender.report/guides/how-to-read-a-bank-call-report/, data as of November 11, 2026.
General information, not legal, tax or credit advice. A lender's own policy decides what it will do; ask it for the policy in writing.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem