RCONC223: Year-to-date Merchant Credit Card Sales Volume: Sales for Which the Reporting Bank Is the Acquiring Bank
RCONC223 is the call report code for year-to-date merchant credit card sales volume: sales for which the reporting bank is the acquiring bank, reported on Schedule RC-L, Derivatives and Off-Balance-Sheet Items. For Q2 2026 (year to date), 4,217 banks reported it, totaling $248.81B; the median among the 136 with a nonzero amount was $10.4M. The largest value reported for Q2 2026 (year to date) was $128.00B, by Pathward, N.A.
Definition
Report the year-to-date volume of sales (in U.S. dollars) generated through the bank's merchant processing activities where the reporting bank is the acquiring bank. This will include amounts processed for merchants contracted directly by the acquiring bank, amounts processed for agent banks with risk, and amounts processed for third parties (e.g., independent sales organizations and member service providers). Banks that are required to report sales data to the credit card associations of which they are members (e.g., MasterCard and Visa) should measure sales volume in the same manner for purposes of this item.
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RCONC223 sits on the call report
| Code | RCONC223 (prefix RCON, item C223) |
|---|---|
| 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, year to date |
| In the MDRM since | 2002 |
The same item under other prefixes
Item C223 is also reported under these codes. Which banks file each one depends on the form they file.
| Code | Meaning of the prefix | Banks reporting |
|---|---|---|
| RCFDC223 | The consolidated bank, domestic and foreign offices, reported by FFIEC 031 filers (banks with foreign offices) | 80 |
Largest reported values, Q2 2026
| Bank | Headquarters | RCONC223 |
|---|---|---|
| Pathward, N.A. | Sioux Falls, SD | $128.00B |
| Merrick Bank | South Jordan, UT | $32.67B |
| Esquire Bank, N.A. | Jericho, NY | $20.24B |
| Woodforest National Bank | The Woodlands, TX | $12.75B |
| North American Banking Company | Roseville, MN | $8.76B |
| Westamerica Bank | San Rafael, CA | $6.62B |
| Chesapeake Bank | Kilmarnock, VA | $6.06B |
| FFB Bank | Fresno, CA | $5.35B |
| Axiom Bank, N.A. | Maitland, FL | $4.73B |
| Commerce Bank | Kansas City, MO | $3.84B |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 4,217 | $248.81B |
| March 31, 2026 | 2 | $0 |
| December 31, 2025 | 4,314 | $551.81B |
| September 30, 2025 | 2 | $0 |
| June 30, 2025 | 4,397 | $260.10B |
| March 31, 2025 | 3 | $0 |
| December 31, 2024 | 4,461 | $535.22B |
| September 30, 2024 | 2 | $0 |
Related
All codes on Schedule RC-L · All call report schedules · Find the code for a loan type · What a call report is