RCFD3814: Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties
RCFD3814 is the call report code for unused commitments - revolving, open-end lines secured by 1-4 family residential properties, reported on Schedule RC-L, Derivatives and Off-Balance-Sheet Items. For Q2 2026, 80 banks reported it, totaling $279.21B; the median among the 52 with a nonzero amount was $1.08B. The largest value reported for Q2 2026 was $42.30B, by Bank of America, N.A.
Definition
Includes the unused portions of commitments to extend credit under revolving, open-end lines of credit secured by 1 to 4 family residential properties. These lines, commonly known as home equity lines, are typically secured by a junior lien and are usually accessible by check or credit card.
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RCFD3814 sits on the call report
| Code | RCFD3814 (prefix RCFD, item 3814) |
|---|---|
| Prefix RCFD | The consolidated bank, domestic and foreign offices, reported by FFIEC 031 filers (banks with foreign offices). |
| Schedule | RC-L, Derivatives and Off-Balance-Sheet Items |
| Reported on | FFIEC 031 |
| Value | Dollar amount, reported in thousands, as of the quarter end |
| In the MDRM since | 1990 |
The same item under other prefixes
Item 3814 is also reported under these codes. Which banks file each one depends on the form they file.
| Code | Meaning of the prefix | Banks reporting |
|---|---|---|
| RCON3814 | Domestic offices. Banks without foreign offices (FFIEC 041 and 051 filers) report their whole balance sheet in RCON items | 4,217 |
Largest reported values, Q2 2026
| Bank | Headquarters | RCFD3814 |
|---|---|---|
| Bank of America, N.A. | Charlotte, NC | $42.30B |
| Citizens Bank, N.A. | Providence, RI | $31.36B |
| PNC Bank, N.A. | Wilmington, DE | $24.46B |
| U.S. Bank N.A. | Cincinnati, OH | $22.00B |
| Truist Bank | Charlotte, NC | $18.89B |
| JPMorgan Chase Bank, N.A. | Columbus, OH | $18.02B |
| The Huntington National Bank | Columbus, OH | $16.51B |
| TD Bank, N.A. | Wilmington, DE | $13.19B |
| Wells Fargo Bank, N.A. | Sioux Falls, SD | $11.60B |
| Fifth Third Bank, N.A. | Cincinnati, OH | $11.34B |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 80 | $279.21B |
| March 31, 2026 | 80 | $281.92B |
| December 31, 2025 | 80 | $278.16B |
| September 30, 2025 | 80 | $282.46B |
| June 30, 2025 | 80 | $286.96B |
| March 31, 2025 | 82 | $290.88B |
| December 31, 2024 | 82 | $291.38B |
| September 30, 2024 | 82 | $295.48B |
Related
All codes on Schedule RC-L · All call report schedules · Find the code for a loan type · What a call report is