RCONB576: Loans to Individuals for Household, Family, and Other Personal Expenditures: Credit Cards - Past Due 90 Days or More and Still Accruing
RCONB576 is the call report code for loans to individuals for household, family, and other personal expenditures: credit cards - past due 90 days or more and still accruing, reported on Schedule RC-N, Past Due and Nonaccrual Loans, Leases, and Other Assets. For Q2 2026, 4,217 banks reported it, totaling $1.63B; the median among the 212 with a nonzero amount was $16K. The largest value reported for Q2 2026 was $450.0M, by Barclays Bank Delaware.
Definition
Report in column B the amount of all extensions of credit to individuals for household, family, and other personal expenditures arising from credit cards, as defined for Schedule RC-C, part I, item 6.a, that are past due 90 days or more and still accruing 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 RCONB576 sits on the call report
| Code | RCONB576 (prefix RCON, item B576) |
|---|---|
| Prefix RCON | Domestic offices. Banks without foreign offices (FFIEC 041 and 051 filers) report their whole balance sheet in RCON items. |
| Schedule | RC-N, Past Due and Nonaccrual Loans, Leases, and Other Assets |
| Reported on | FFIEC 041, FFIEC 051 |
| Value | Dollar amount, reported in thousands, as of the quarter end |
| In the MDRM since | 2001 |
The same item under other prefixes
Item B576 is also reported under these codes. Which banks file each one depends on the form they file.
| Code | Meaning of the prefix | Banks reporting |
|---|---|---|
| RCFDB576 | The consolidated bank, domestic and foreign offices, reported by FFIEC 031 filers (banks with foreign offices) | 80 |
Largest reported values, Q2 2026
| Bank | Headquarters | RCONB576 |
|---|---|---|
| Barclays Bank Delaware | Wilmington, DE | $450.0M |
| Comenity Capital Bank | Draper, UT | $375.2M |
| Merrick Bank | South Jordan, UT | $263.1M |
| Comenity Bank | Wilmington, DE | $204.9M |
| TD Bank USA, N.A. | Wilmington, DE | $180.3M |
| Credit One Bank, N.A. | Las Vegas, NV | $62.9M |
| Coastal Community Bank | Everett, WA | $27.1M |
| Lead Bank | Kansas City, MO | $21.0M |
| SoFi Bank, N.A. | Cottonwood Heights, UT | $11.4M |
| Commerce Bank | Kansas City, MO | $7.7M |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 4,217 | $1.63B |
| March 31, 2026 | 4,256 | $1.83B |
| December 31, 2025 | 4,314 | $1.90B |
| September 30, 2025 | 4,355 | $1.77B |
| June 30, 2025 | 4,397 | $1.71B |
| March 31, 2025 | 4,437 | $1.73B |
| December 31, 2024 | 4,461 | $1.86B |
| September 30, 2024 | 4,490 | $1.79B |
Related
All codes on Schedule RC-N · All call report schedules · Find the code for a loan type · What a call report is