RCFDJ457: Other Unused Commitments: Commercial and Industrial Loans
RCFDJ457 is the call report code for other unused commitments: commercial and industrial loans, reported on Schedule RC-L, Derivatives and Off-Balance-Sheet Items. For Q2 2026, 80 banks reported it, totaling $2.50T; the median among the 59 with a nonzero amount was $6.91B. The largest value reported for Q2 2026 was $419.64B, by Bank of America, N.A.
Definition
Report the unused portions of commitments to extend credit to financial institutions, i.e., commitments that, when funded, would be reportable either as loans to depository institutions in Schedule RC-C, part I, item 2, 'Loans to depository institutions and acceptances of other banks,' or as loans to nondepository financial institutions in Schedule RC-C, part I, item 9.a, 'Loans to nondepository financial institutions.' Y-9C Schedule HC-L Item 1.e.(1)
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RCFDJ457 sits on the call report
| Code | RCFDJ457 (prefix RCFD, item J457) |
|---|---|
| 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 | 2010 |
The same item under other prefixes
Item J457 is also reported under these codes. Which banks file each one depends on the form they file.
| Code | Meaning of the prefix | Banks reporting |
|---|---|---|
| RCONJ457 | 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 | RCFDJ457 |
|---|---|---|
| Bank of America, N.A. | Charlotte, NC | $419.64B |
| JPMorgan Chase Bank, N.A. | Columbus, OH | $378.56B |
| Wells Fargo Bank, N.A. | Sioux Falls, SD | $247.49B |
| Citibank, N.A. | Sioux Falls, SD | $232.78B |
| Goldman Sachs Bank USA | New York, NY | $176.68B |
| PNC Bank, N.A. | Wilmington, DE | $160.78B |
| U.S. Bank N.A. | Cincinnati, OH | $129.29B |
| Truist Bank | Charlotte, NC | $113.42B |
| Morgan Stanley Bank, N.A. | Salt Lake City, UT | $103.47B |
| HSBC Bank USA, N.A. | Tysons, VA | $73.14B |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 80 | $2.50T |
| March 31, 2026 | 80 | $2.39T |
| December 31, 2025 | 80 | $2.35T |
| September 30, 2025 | 80 | $2.29T |
| June 30, 2025 | 80 | $2.18T |
| March 31, 2025 | 82 | $2.16T |
| December 31, 2024 | 82 | $2.20T |
| September 30, 2024 | 82 | $2.34T |
Related
All codes on Schedule RC-L · All call report schedules · Find the code for a loan type · What a call report is