RCFDK676: Total Unfunded Commitments to Fund Construction, Land Development, and Other Land Loans Secured by Real Estate
RCFDK676 is the call report code for total unfunded commitments to fund construction, land development, and other land loans secured by real estate, reported on Schedule RC-O, Other Data for Deposit Insurance Assessments. For Q2 2026, 50 banks reported it, totaling $112.95B; the median among the 40 with a nonzero amount was $1.56B. The largest value reported for Q2 2026 was $14.65B, by JPMorgan Chase Bank, N.A.
Definition
Report the unused portion of commitments (in domestic offices) to extend credit to fund construction, land development, and other land loans that, when funded, would be reportable as loans secured by real estate in Schedule RC-C, part I, item 1.a. The amount reported in this item should also have been included in the amounts reported in Schedule RC-L, items 1.c.(1)(a) and (b).
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RCFDK676 sits on the call report
| Code | RCFDK676 (prefix RCFD, item K676) |
|---|---|
| Prefix RCFD | The consolidated bank, domestic and foreign offices, reported by FFIEC 031 filers (banks with foreign offices). |
| Schedule | RC-O, Other Data for Deposit Insurance Assessments |
| Reported on | FFIEC 031 |
| Value | Dollar amount, reported in thousands, as of the quarter end |
| In the MDRM since | 2013 |
The same item under other prefixes
Item K676 is also reported under these codes. Which banks file each one depends on the form they file.
| Code | Meaning of the prefix | Banks reporting |
|---|---|---|
| RCONK676 | Domestic offices. Banks without foreign offices (FFIEC 041 and 051 filers) report their whole balance sheet in RCON items | 98 |
Largest reported values, Q2 2026
| Bank | Headquarters | RCFDK676 |
|---|---|---|
| JPMorgan Chase Bank, N.A. | Columbus, OH | $14.65B |
| Wells Fargo Bank, N.A. | Sioux Falls, SD | $10.87B |
| U.S. Bank N.A. | Cincinnati, OH | $7.31B |
| Fifth Third Bank, N.A. | Cincinnati, OH | $6.88B |
| PNC Bank, N.A. | Wilmington, DE | $6.42B |
| First-Citizens Bank & Trust Company | Raleigh, NC | $6.18B |
| Truist Bank | Charlotte, NC | $5.93B |
| Pinnacle Bank | Nashville, TN | $5.65B |
| Bank of America, N.A. | Charlotte, NC | $5.59B |
| Goldman Sachs Bank USA | New York, NY | $4.65B |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 50 | $112.95B |
| March 31, 2026 | 51 | $105.56B |
| December 31, 2025 | 51 | $97.42B |
| September 30, 2025 | 51 | $87.82B |
| June 30, 2025 | 50 | $78.87B |
| March 31, 2025 | 51 | $78.60B |
| December 31, 2024 | 51 | $81.95B |
| September 30, 2024 | 51 | $84.57B |
Related
All codes on Schedule RC-O · All call report schedules · Find the code for a loan type · What a call report is