RCON3814: Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties
RCON3814 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, 4,217 banks reported it, totaling $163.85B; the median among the 3,141 with a nonzero amount was $7.8M. The largest value reported for Q2 2026 was $7.50B, by Zions Bancorporation, 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 RCON3814 sits on the call report
| Code | RCON3814 (prefix RCON, item 3814) |
|---|---|
| Prefix RCON | Domestic offices. Banks without foreign offices (FFIEC 041 and 051 filers) report their whole balance sheet in RCON items. |
| Schedule | RC-L, Derivatives and Off-Balance-Sheet Items |
| Reported on | FFIEC 041, FFIEC 051 |
| 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 |
|---|---|---|
| RCFD3814 | The consolidated bank, domestic and foreign offices, reported by FFIEC 031 filers (banks with foreign offices) | 80 |
Largest reported values, Q2 2026
| Bank | Headquarters | RCON3814 |
|---|---|---|
| Zions Bancorporation, N.A. | Salt Lake City, UT | $7.50B |
| Third Federal Savings & Loan Association of Cleveland | Cleveland, OH | $5.79B |
| First National Bank of Pennsylvania | Greenville, PA | $3.12B |
| First Horizon Bank | Memphis, TN | $3.04B |
| Columbia Bank | Lake Oswego, OR | $3.04B |
| Eastern Bank | Boston, MA | $2.77B |
| SouthState Bank, N.A. | Winter Haven, FL | $2.70B |
| Fulton Bank, N.A. | Lancaster, PA | $2.30B |
| Atlantic Union Bank | Richmond, VA | $2.24B |
| Fremont Bank | Fremont, CA | $1.77B |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 4,217 | $163.85B |
| March 31, 2026 | 4,256 | $162.51B |
| December 31, 2025 | 4,314 | $164.32B |
| September 30, 2025 | 4,355 | $163.32B |
| June 30, 2025 | 4,397 | $162.34B |
| March 31, 2025 | 4,437 | $160.69B |
| December 31, 2024 | 4,461 | $157.35B |
| September 30, 2024 | 4,490 | $156.89B |
Related
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