RCON6550: Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate
RCON6550 is the call report code for commercial real estate, construction, and land development: commitments to fund loans not secured by real estate, reported on Schedule RC-L, Derivatives and Off-Balance-Sheet Items. For Q2 2026, 4,217 banks reported it, totaling $13.64B; the median among the 387 with a nonzero amount was $2.7M. The largest value reported for Q2 2026 was $1.62B, by CIBC Bank USA.
Definition
Included in this item are loan proceeds that the bank and bank holding company or its consolidated subsidiaries are obligated to advance as construction progresses.
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RCON6550 sits on the call report
| Code | RCON6550 (prefix RCON, item 6550) |
|---|---|
| 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 | 1991 |
The same item under other prefixes
Item 6550 is also reported under these codes. Which banks file each one depends on the form they file.
| Code | Meaning of the prefix | Banks reporting |
|---|---|---|
| RCFD6550 | The consolidated bank, domestic and foreign offices, reported by FFIEC 031 filers (banks with foreign offices) | 80 |
Largest reported values, Q2 2026
| Bank | Headquarters | RCON6550 |
|---|---|---|
| CIBC Bank USA | Chicago, IL | $1.62B |
| Texas Capital Bank | Dallas, TX | $832.8M |
| Merchants Bank of Indiana | Carmel, IN | $787.6M |
| EverBank, N.A. | Jacksonville, FL | $671.4M |
| Banc of California | Los Angeles, CA | $601.7M |
| Third Coast Bank | Humble, TX | $598.8M |
| Provident Bank | Jersey City, NJ | $550.3M |
| Zions Bancorporation, N.A. | Salt Lake City, UT | $540.1M |
| Atlantic Union Bank | Richmond, VA | $453.5M |
| Northwest Bank | Warren, PA | $409.4M |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 4,217 | $13.64B |
| March 31, 2026 | 4,256 | $13.49B |
| December 31, 2025 | 4,314 | $15.03B |
| September 30, 2025 | 4,355 | $13.18B |
| June 30, 2025 | 4,397 | $12.37B |
| March 31, 2025 | 4,437 | $11.37B |
| December 31, 2024 | 4,461 | $10.58B |
| September 30, 2024 | 4,490 | $11.05B |
Related
All codes on Schedule RC-L · All call report schedules · Find the code for a loan type · What a call report is