RCON3645: Interest Accrued and Unpaid on Deposits (in Domestic Offices)
RCON3645 is the call report code for interest accrued and unpaid on deposits (in domestic offices), reported on Schedule RC-G, Other Liabilities. For Q2 2026, 4,297 banks reported it, totaling $18.36B; the median among the 4,153 with a nonzero amount was $435K. The largest value reported for Q2 2026 was $1.77B, by Wells Fargo Bank, N.A.
Definition
Includes the amount of interest on deposits (in domestic offices) accrued through charges to expense during the current or prior periods, but not yet paid or credited to a deposit account. Note: for savings banks, includes 'dividends' accrued and unpaid on deposits. On the FFIEC 031, excludes interest accrued and unpaid on deposits in foreign offices (such accrued interest is reported in item 3646).
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RCON3645 sits on the call report
| Code | RCON3645 (prefix RCON, item 3645) |
|---|---|
| Prefix RCON | Domestic offices. Banks without foreign offices (FFIEC 041 and 051 filers) report their whole balance sheet in RCON items. |
| Schedule | RC-G, Other Liabilities |
| Reported on | FFIEC 031, FFIEC 041, FFIEC 051 |
| Value | Dollar amount, reported in thousands, as of the quarter end |
| In the MDRM since | 1989 |
Largest reported values, Q2 2026
| Bank | Headquarters | RCON3645 |
|---|---|---|
| Wells Fargo Bank, N.A. | Sioux Falls, SD | $1.77B |
| JPMorgan Chase Bank, N.A. | Columbus, OH | $1.61B |
| Bank of America, N.A. | Charlotte, NC | $1.51B |
| Goldman Sachs Bank USA | New York, NY | $957.0M |
| Citibank, N.A. | Sioux Falls, SD | $813.0M |
| Ally Bank | Sandy, UT | $710.0M |
| Morgan Stanley Bank, N.A. | Salt Lake City, UT | $658.0M |
| Morgan Stanley Private Bank, N.A. | Purchase, NY | $525.0M |
| U.S. Bank N.A. | Cincinnati, OH | $348.8M |
| Capital One, N.A. | McLean, VA | $275.0M |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 4,297 | $18.36B |
| March 31, 2026 | 4,336 | $18.62B |
| December 31, 2025 | 4,394 | $19.35B |
| September 30, 2025 | 4,435 | $19.97B |
| June 30, 2025 | 4,477 | $19.71B |
| March 31, 2025 | 4,519 | $21.19B |
| December 31, 2024 | 4,543 | $23.45B |
| September 30, 2024 | 4,572 | $26.76B |
Related
All codes on Schedule RC-G · All call report schedules · Find the code for a loan type · What a call report is