RCON3815: Unused Commitments - Credit Card Lines
RCON3815 is the call report code for unused commitments - credit card lines, reported on Schedule RC-L, Derivatives and Off-Balance-Sheet Items. For Q2 2026, 4,217 banks reported it, totaling $433.95B; the median among the 711 with a nonzero amount was $4.8M. The largest value reported for Q2 2026 was $124.69B, by Barclays Bank Delaware.
Definition
Includes the unused portions of all commitments to extend credit both to individuals for household, family, and other personal expenditures and to commercial or industrial enterprises through credit cards. Excludes home equity lines accessible through credit cards. Banks or bank holding companies may report unused credit card lines as of the end of their customers' last monthly billing cycle prior to the report date or as of the report date.
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RCON3815 sits on the call report
| Code | RCON3815 (prefix RCON, item 3815) |
|---|---|
| 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 3815 is also reported under these codes. Which banks file each one depends on the form they file.
| Code | Meaning of the prefix | Banks reporting |
|---|---|---|
| RCFD3815 | The consolidated bank, domestic and foreign offices, reported by FFIEC 031 filers (banks with foreign offices) | 80 |
Largest reported values, Q2 2026
| Bank | Headquarters | RCON3815 |
|---|---|---|
| Barclays Bank Delaware | Wilmington, DE | $124.69B |
| Comenity Capital Bank | Draper, UT | $62.91B |
| TD Bank USA, N.A. | Wilmington, DE | $48.36B |
| First National Bank of Omaha | Omaha, NE | $43.55B |
| Comenity Bank | Wilmington, DE | $36.45B |
| John Deere Financial, F.S.B. | Middleton, WI | $32.46B |
| Credit First N.A. | Brook Park, OH | $11.05B |
| First Bank & Trust | Brookings, SD | $10.11B |
| Credit One Bank, N.A. | Las Vegas, NV | $9.62B |
| Coastal Community Bank | Everett, WA | $6.57B |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 4,217 | $433.95B |
| March 31, 2026 | 4,256 | $454.48B |
| December 31, 2025 | 4,314 | $455.55B |
| September 30, 2025 | 4,355 | $451.37B |
| June 30, 2025 | 4,397 | $440.12B |
| March 31, 2025 | 4,437 | $437.13B |
| December 31, 2024 | 4,461 | $435.64B |
| September 30, 2024 | 4,490 | $436.80B |
Related
All codes on Schedule RC-L · All call report schedules · Find the code for a loan type · What a call report is