RCONB797: Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans
RCONB797 is the call report code for maximum amount of credit exposure arising from recourse or other seller-provided credit enhancements provided to assets reported in item 11: 1-4 family residential loans, reported on Schedule RC-S, Servicing, Securitization, and Asset Sale Activities. For Q2 2026, 935 banks reported it, totaling $8.50B; the median among the 242 with a nonzero amount was $1.4M. The largest value reported for Q2 2026 was $964.0M, by Western Alliance Bank.
Definition
Report in column A the maximum contractual credit exposure remaining as of the report date under recourse arrangements or other seller-provided credit enhancements provided by the reporting bank in connection with its sales of the loans and leases reported in Schedule RC-S, item 11, B790. Report the unused portion of standby letters of credit, the carrying value of retained interests, and the maximum contractual amount of recourse or other credit exposure arising from other credit enhancements that the reporting bank has provided. Do not report as the remaining maximum contractual exposure a reasonable estimate of the probable loss under the recourse arrangements or credit enhancement provisions or the fair value of any liability incurred under such provisions. Furthermore, do not reduce the remaining maximum contractual exposure by the amount of any associated recourse liability account.
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RCONB797 sits on the call report
| Code | RCONB797 (prefix RCON, item B797) |
|---|---|
| Prefix RCON | Domestic offices. Banks without foreign offices (FFIEC 041 and 051 filers) report their whole balance sheet in RCON items. |
| Schedule | RC-S, Servicing, Securitization, and Asset Sale Activities |
| Reported on | FFIEC 041 |
| Value | Dollar amount, reported in thousands, as of the quarter end |
| In the MDRM since | 2001 |
The same item under other prefixes
Item B797 is also reported under these codes. Which banks file each one depends on the form they file.
| Code | Meaning of the prefix | Banks reporting |
|---|---|---|
| RCFDB797 | The consolidated bank, domestic and foreign offices, reported by FFIEC 031 filers (banks with foreign offices) | 80 |
Largest reported values, Q2 2026
| Bank | Headquarters | RCONB797 |
|---|---|---|
| Western Alliance Bank | Phoenix, AZ | $964.0M |
| NexBank | Dallas, TX | $645.7M |
| Cornerstone Capital Bank, SSB | Houston, TX | $592.9M |
| Nicolet National Bank | Green Bay, WI | $583.4M |
| Northpointe Bank | Grand Rapids, MI | $468.2M |
| Zions Bancorporation, N.A. | Salt Lake City, UT | $433.9M |
| Dacotah Bank | Aberdeen, SD | $424.3M |
| The Dart Bank | Mason, MI | $417.2M |
| SouthState Bank, N.A. | Winter Haven, FL | $388.7M |
| Stifel Bank and Trust | Saint Louis, MO | $298.6M |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 935 | $8.50B |
| March 31, 2026 | 946 | $7.48B |
| December 31, 2025 | 987 | $8.23B |
| September 30, 2025 | 997 | $7.54B |
| June 30, 2025 | 1,015 | $7.23B |
| March 31, 2025 | 1,030 | $6.99B |
| December 31, 2024 | 1,053 | $6.34B |
| September 30, 2024 | 1,057 | $7.11B |
Related
All codes on Schedule RC-S · All call report schedules · Find the code for a loan type · What a call report is