RCON0081: Noninterest-bearing Balances and Currency and Coin
RCON0081 is the call report code for noninterest-bearing balances and currency and coin, reported on Schedule RC, Balance Sheet. For Q2 2026, 4,217 banks reported it, totaling $63.42B; the median among the 4,195 with a nonzero amount was $4.2M. The largest value reported for Q2 2026 was $1.10B, by BOKF, N.A.
Definition
Deposit accounts 'due from' other depository institutions that are overdrawn are reported as borrowings in item (2332), except overdrawn 'due from' accounts arising in connection with checks or drafts drawn by the reporting entity and drawn on, or payable at or through, another depository institution either on a zero-balance account or on an account that is not routinely maintained with sufficient balances to cover checks or drafts drawn in the normal course of business during the period until the amount of the checks or drafts is remitted to the other depository institution (in which case, the funds received or held in connection with such checks or drafts are reported as deposits in Schedule RC-E until the funds are remitted). For further information, see the Glossary entry for 'overdraft.'
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RCON0081 sits on the call report
| Code | RCON0081 (prefix RCON, item 0081) |
|---|---|
| Prefix RCON | Domestic offices. Banks without foreign offices (FFIEC 041 and 051 filers) report their whole balance sheet in RCON items. |
| Schedule | RC, Balance Sheet |
| Reported on | FFIEC 041, FFIEC 051 |
| Value | Dollar amount, reported in thousands, as of the quarter end |
| In the MDRM since | 1984 |
The same item under other prefixes
Item 0081 is also reported under these codes. Which banks file each one depends on the form they file.
| Code | Meaning of the prefix | Banks reporting |
|---|---|---|
| RCFD0081 | The consolidated bank, domestic and foreign offices, reported by FFIEC 031 filers (banks with foreign offices) | 80 |
Largest reported values, Q2 2026
| Bank | Headquarters | RCON0081 |
|---|---|---|
| BOKF, N.A. | Tulsa, OK | $1.10B |
| First Horizon Bank | Memphis, TN | $1.03B |
| Zions Bancorporation, N.A. | Salt Lake City, UT | $793.1M |
| SoFi Bank, N.A. | Cottonwood Heights, UT | $765.6M |
| Frost Bank | San Antonio, TX | $712.4M |
| Erebor Bank, N.A. | Columbus, OH | $710.0M |
| Commerce Bank | Kansas City, MO | $654.5M |
| SouthState Bank, N.A. | Winter Haven, FL | $649.1M |
| Columbia Bank | Lake Oswego, OR | $647.8M |
| Wilmington Trust, N.A. | Wilmington, DE | $647.6M |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 4,217 | $63.42B |
| March 31, 2026 | 4,256 | $59.71B |
| December 31, 2025 | 4,314 | $62.39B |
| September 30, 2025 | 4,355 | $60.92B |
| June 30, 2025 | 4,397 | $68.04B |
| March 31, 2025 | 4,437 | $64.98B |
| December 31, 2024 | 4,461 | $61.96B |
| September 30, 2024 | 4,490 | $66.40B |
Related
All codes on Schedule RC · All call report schedules · Find the code for a loan type · What a call report is