RCON3820: Amount of Financial Standby Letters of Credit Conveyed to Others
RCON3820 is the call report code for amount of financial standby letters of credit conveyed to others, reported on Schedule RC-L, Derivatives and Off-Balance-Sheet Items. For Q2 2026, 495 banks reported it, totaling $1.22B; the median among the 69 with a nonzero amount was $5.2M. The largest value reported for Q2 2026 was $282.9M, by BOKF, N.A.
Definition
Includes that portion of the bank's total contingent liability for financial standby letters of credit reported in item 3819 that the bank has conveyed to others. Also includes that portion of the reporting bank's financial standby letters of credit that are backed by other banks' financial standby letters of credit, as well as the portion that participating banks have reparticipated to others. Participations and backings may be for any part or all of a given obligation.
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RCON3820 sits on the call report
| Code | RCON3820 (prefix RCON, item 3820) |
|---|---|
| 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 |
| Value | Dollar amount, reported in thousands, as of the quarter end |
| In the MDRM since | 1990 |
The same item under other prefixes
Item 3820 is also reported under these codes. Which banks file each one depends on the form they file.
| Code | Meaning of the prefix | Banks reporting |
|---|---|---|
| RCFD3820 | The consolidated bank, domestic and foreign offices, reported by FFIEC 031 filers (banks with foreign offices) | 71 |
Largest reported values, Q2 2026
| Bank | Headquarters | RCON3820 |
|---|---|---|
| BOKF, N.A. | Tulsa, OK | $282.9M |
| TowneBank | Portsmouth, VA | $166.2M |
| Shinhan Bank America | New York, NY | $102.2M |
| Origin Bank | Choudrant, LA | $83.9M |
| Wintrust Bank, N.A. | Chicago, IL | $59.5M |
| Wheaton Bank & Trust Company, N.A. | Wheaton, IL | $47.8M |
| Merchants Bank of Indiana | Carmel, IN | $41.6M |
| River City Bank | Sacramento, CA | $30.9M |
| First Premier Bank | Sioux Falls, SD | $25.2M |
| BankUnited, N.A. | Miami Lakes, FL | $23.1M |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 495 | $1.22B |
| March 31, 2026 | 502 | $1.49B |
| December 31, 2025 | 506 | $1.52B |
| September 30, 2025 | 511 | $1.36B |
| June 30, 2025 | 520 | $1.33B |
| March 31, 2025 | 527 | $1.25B |
| December 31, 2024 | 525 | $1.21B |
| September 30, 2024 | 525 | $1.18B |
Related
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